No paperwork marathons. No bank-branch meetings. No last-minute surprises. Just a clear, transparent process designed around how you actually run your business.
A short online application captures the basics — business info, monthly revenue, and how much capital you need. Five minutes, no obligation, no hard credit pull.
An underwriter reviews your file the same day. A funding specialist calls to walk you through your options in plain English — what you'll pay, when, and why.
Sign electronically and the capital is wired to your business bank account, typically the next business day. Put the money to work right away.
Here's how a typical Visa Capital application goes from "submitted" to "funded" — usually in under 48 hours.
Fill out our short online application. Provide basic information about your business, including time in operation, average monthly revenue, and how much capital you'd like. We use a soft credit pull, so your score is unaffected.
An underwriter reviews your application against multiple lender criteria, then a funding specialist gives you a call. They'll explain your options, answer questions, and help you choose the product that best fits your goals.
Review terms in writing. Ask anything. There's no obligation to move forward. If the offer fits, you sign electronically — typically just a few clicks on your phone or laptop.
Capital is wired straight to the business checking account you specified. You can put it to work immediately — buy inventory, hire, expand, weather a slow week, whatever your business needs.
For most products: three months of recent business bank statements, a copy of your driver's license, and a voided business check. Some products may require additional documents (like tax returns for SBA loans). Your specialist will tell you exactly what's needed.
No. Prequalification uses a soft pull only — zero impact on your personal credit score. A hard pull only happens if you choose to formally accept a specific offer.
Absolutely. We approve many businesses that traditional banks decline because we look at your business performance — not just your personal credit score. Time in business and consistent revenue matter most.
No. Applying is free, and there's no obligation to accept any offer. You only pay anything if you sign on a funded loan, and all costs are disclosed up front.