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How It Works

Funding in Four
Straightforward Steps.

No runaround. No mystery. A real person reviews every application and walks you through every option — from first contact to capital in hand.

01
First Contact

Apply in
10 Minutes.

No lengthy paperwork. No confusing banker jargon. Just the essentials we need to start working on your behalf — submitted once, matched across our full portfolio of 21+ capital solutions.

Simple, straightforward form — name, business basics, what you need and roughly how much. Nothing you don't already know.
No credit pull to start — we gather your information first and only run formal inquiries when it makes sense for your profile.
One application, every option — instead of applying to a dozen lenders separately, we do the work across our entire solution portfolio.
"The application took less time than filling out a bank deposit slip. They called us the same afternoon."
What You'll Need
Basic contact and business information
Estimated monthly revenue range
What you need and your timeline
That's it — we'll ask for more if needed
Start My Application →
02
Our Review

We Match
Your Options.

A real member of our team reviews your profile — not an algorithm. We evaluate your situation against our 21+ capital solutions and identify the programs most likely to fund you at the best available terms.

Human review, every time — a real advisor looks at your profile, understands your business, and does the matching themselves.
21+ solutions evaluated — working capital, SBA, equipment, revenue-based, real estate, consolidation, and more — all reviewed against your profile.
We work for you, not the lender — our incentive is to find the best fit for your business, not to push a specific product.
1
Application Received
Your application lands with our team and is assigned immediately to an advisor who understands your industry.
2
Profile Review
We review your monthly revenue, time in business, capital need, and profile against our full solution portfolio.
3
Options Identified
We identify the programs most likely to approve your profile and prepare a clear summary of each option available to you.
4
We Call You
A real person contacts you to walk through every option — terms, amounts, timeline — with no pressure and no jargon.
03
Your Decision

Decision
in 24 Hours.

Most clients receive a funding decision within one business day — often the same day. We walk you through your options with complete transparency. You decide. No pressure. No commitment until you're ready.

Clear terms, no surprises — every rate, fee, term, and repayment structure explained in plain English before you sign anything.
Zero hidden fees — what you're told is exactly what you get. We build long-term relationships, not one-time transactions.
No obligation to accept — we present your options and you decide. There's no pressure to move forward with any product you're not comfortable with.
"They laid out three options side by side, explained the pros and cons of each, and let us decide. No pressure — just straight information."
Same
Day
For Most Products
<24hr
Standard Decision
$0
Hidden Fees
100%
No Obligation
04
Capital Deployed

Capital in
Hand. Grow.

Once you decide to move forward, we work to fund you as quickly as possible. Many products deploy within 24–72 hours of final approval. Then we stay available — because the best capital partners don't disappear after the deal closes.

Fast deployment — working capital and revenue-based products often fund within 24–48 hours of final approval. Larger products move as quickly as the structure allows.
We stay your partner — after funding, your advisor remains available. As your business grows, your capital needs change. We grow with you.
More than capital — if you need consulting, AI systems, or operational documentation, those conversations don't require starting over.
"Approved Tuesday afternoon, funded Wednesday morning. We were able to make payroll and take on a contract we couldn't have touched otherwise."
Typical Funding Timelines
Working CapitalSame–48 hrs
Revenue Based FinancingSame–2 days
Equipment Financing3–7 days
Business Line of Credit2–5 days
SBA Loans30–90 days
Be Prepared

What to Have Ready
Before You Apply.

Having these documents on hand shortens your timeline significantly. The faster you can provide them, the faster we can move on your behalf.

Required for Most Products
  • 3–6 months of business bank statements
  • Government-issued photo ID (owner)
  • Voided business check
  • Basic business info: legal name, EIN, state of formation
  • Years in business and industry type

For most working capital, revenue-based, and short-term products, this is all you need to get a decision.

For Larger Amounts & SBA Programs
  • Most recent 2 years of business tax returns
  • Most recent personal tax return (owner)
  • Year-to-date profit & loss statement
  • Balance sheet (current)
  • Business debt schedule (if applicable)
  • Business plan (SBA programs may require)

Don't have everything yet? Apply anyway. We'll tell you exactly what's needed for the products you qualify for.

Process Questions

Common Questions
About Our Process.

Submitting an application to Irondale Capital does not trigger a hard credit inquiry. We gather your information first and discuss your options before any formal credit pull. If a specific product requires a hard inquiry, we'll let you know in advance and only proceed with your explicit authorization.

A bank decline is one of the most common reasons clients come to us. Banks operate under rigid underwriting criteria that eliminate most small businesses before anyone reviews the file. Our alternative capital portfolio includes products specifically designed for profiles banks won't touch. A bank no is a starting point, not a conclusion.

Most applications receive a response the same business day. If you apply in the morning, you can typically expect a call that afternoon. We understand that when you need capital, time matters — and we treat it that way.

Requirements vary by product. Some solutions qualify businesses based primarily on monthly revenue — with credit scores as low as 500 for certain programs. Others require stronger credit profiles. Apply and we'll identify what's available for your specific situation. There's no universal minimum that applies across all 21+ solutions.

Absolutely not. We present your options and you decide. There is no obligation, no pressure, and no fee for the consultation. If none of the available products are the right fit, we'll tell you that honestly and may be able to suggest alternative paths forward.

Your advisor stays available. We don't disappear after the deal closes. As your business grows and your capital needs evolve, we're your first call. Many clients come back for expansion funding, equipment, or other products as their situation changes — and we're ready for that conversation.

Ready to Start
the Process?

Ten minutes today. Capital decision by tomorrow.

Start My Application → ☎ (256) 794-9788
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