Resources

Plain answers
before you apply.

Short guides and straight answers. Or go see the portal for yourself.

Product tourYour portal,
screen by screen.What you see from the moment you apply to the day the wire goes out. Live demoClick around
a sample portal.Sample data. Nothing is real and nothing is saved. Case studiesBusinesses
we've funded.Real companies and real amounts, by trade.

Guides

Short reads.
No jargon.

Guide · 2 minute readWhat your bank statements showWhat gets read in them, so nothing in yours surprises you.Read it Guide · 2 minute readWorking capital or a credit lineBoth put money in your account. Here is how to tell which one you need.Read it Guide · 2 minute readWhat to have ready before you applyA short list. Most of it is already on your phone.Read it

Questions

What owners ask
before they apply.

Will checking my number affect my credit?

No. Seeing your number doesn't involve a hard credit pull.

How long does it take?

Your number takes about two minutes. Sending your statements and signing takes about five. Approvals usually show up in your portal within a few hours of your statements, and the money can reach you as fast as the same day you sign.

Who is it for?

Registered US businesses with a business bank account. There is no hard minimum. Time in business and steady deposits help, and Reid shows you where you stand in about two minutes.

What do I need to apply?

Your last four months of business bank statements and a signature. That is the whole application.

How much could my business get?

It depends on what your business brings in. Reid shows you an estimate in about two minutes. Approvals go up to $750,000.

Is my number an offer?

No. It is an estimate based on what you tell us. Your real number comes from your bank statements.

What is the portal?

Your own page at Sawyer Kilburn. It opens the minute you finish applying. Each approval shows up there with its amount, term and payment, and you can accept one there.

Do I have to talk to anyone?

No. You can see your number, send your statements, compare your approvals and accept one from your portal. Your advisor is one call away if you would rather talk it through.

Who is Reid?

Reid is the AI underwriting assistant at Sawyer Kilburn. It asks a few quick questions, shows your number while you answer and tells you what would raise it. It also picks up the phone after hours.

What can I use the money for?

Whatever the business needs. Most owners use it for payroll, materials, inventory, equipment or a slow month.

Which product is right for me?

You don't have to know. Say what the money is for and you see what fits. There is a short guide on working capital or a credit line if you want to read ahead.

How do payments work?

It depends on the product. Every approval in your portal shows the amount, the term and the payment before you accept anything.

Are my bank statements safe?

Your statements are read-only, encrypted and never shared for marketing.

What if my business is new or small?

Ask Reid anyway. There is no hard minimum, and you see where you stand before you send anything. More time in business and steadier deposits help the most.

Can I do this over the phone?

Yes. Call (337) 397-7482. A person picks up 9 to 9 Eastern, Monday to Saturday, and Reid takes the call after hours.

Glossary

The words,
in plain English.

Your number
The most your business could qualify for, worked out from what it brings in. It is an estimate, not an offer, until your statements are read.
Approval
A real offer for your business, with an amount, a term and a payment. It shows up in your portal.
Portal
Your own page at Sawyer Kilburn. Approvals show up there and you can accept one.
Working capital
One amount, paid into your account now and paid back over a set term.
Credit line
A limit you can draw from when you need it. You pay only on what you have drawn.
Draw
Taking money out of your credit line.
Equipment credit
Capital for one piece of equipment. The seller gets paid and the equipment backs the deal.
Invoice advance
Most of an unpaid invoice, paid to you now. The rest comes when your customer pays, less the fee.
Net 30, net 60, net 90
How many days your customer has to pay an invoice.
Term
How long you have to pay back.
Hard credit pull
A credit check that shows on your credit report. Seeing your number doesn't involve one.
Wire
A bank transfer that usually lands the same day. It is how the money reaches your account.

Two minutes
to your number.

See my number Try the live demo

Rather talk? Call (337) 397-7482, 9 to 9 Eastern, Monday to Saturday.

For registered US businesses. Your number is an estimate, not an offer. Looking doesn't touch your credit.

See my number Call now