We fund what the business takes in.
Not a credit score, not a business plan. Three months of bank statements tell us what a business really does, and that is what we lend against. Fill in the form, send the statements, get a straight answer with the numbers written down.
Four steps. You can stop at any of them.
Filling the form in does not tie you to anything, and it does not touch your credit file.
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ONE
How much, and when
We ask the money questions first, because they decide whether the rest is worth your time. What the business takes in monthly, what you need, and when you need it by.
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TWO
Who you are
Your name, your birthday, where you live and how much of the business is yours. Standard identity questions. They go no further than us.
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THREE
Three months of statements
PDFs from your bank. This is the part that actually decides the answer, and it is the part most people leave until last. Do it first and the whole thing usually finishes the same day.
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FOUR
The numbers, then your decision
How much, what it costs in total, what the payment is and how many there are. Somebody calls you to go through it. Saying no costs nothing.
The things that will not wait.
Payroll before the money lands
Staff get paid Friday and the invoices clear next week. The oldest problem in a trading business, and the easiest one for us to size.
Stock for the busy season
Ordering in before the trade shows up, at the price that is only good if the order goes in now.
The thing that broke
The van, the compressor, the oven. Leaving it idle while you save up almost always costs more than the funding would have.
A job that has to be staffed first
A contract or a second site that needs paying for before it pays you. Sized on the statements, not on the hope.
What we will not do.
- We do not charge you to apply, and finding out where you stand is free.
- Nothing gets searched on your credit file to produce a yes or a no.
- We do not want your bank login. You send PDFs, that is all.
- We do not sell your details on to anybody.
- We do not put a number in front of you that changes when the paperwork arrives.
Four things worth knowing.
Deposits beat scores
Money coming through the account steadily counts for more here than a number from a credit bureau. A rough patch two years ago is not the end of it.
Statements hold everything up
Statements hold up more files here than every other cause combined. Have the PDFs open before you begin and yours will not be one.
Same person all the way
Whoever opens your file is who rings you. Nobody hands you on, and nobody asks you the same thing twice.
Your details stay put
Encrypted going in and sitting still. Used to work out this application and arrange funding for it. Nothing else, and never sold.
The questions that come up first.
How long does it take?
Five minutes of typing. Attach the statements at the same time and most answers land that day, with money moving about a working day after the paperwork is signed.
Will this hurt my credit?
No. We ask roughly where your credit sits, and nothing is searched in order to answer you. Should an offer go ahead, the funder might search before you sign; you hear about that beforehand.
We are still paying off an advance.
That is common. The form asks about it so we can work around it. On its own it does not stop anything.
How much could we get?
It follows the deposits, not the industry. Send three months of statements and we will tell you the real figure, which is worth more than a range off a website.
Ask us one thing before you fill anything in.
Most people have a single question they want settled before they start. That is a sensible way to go about it and it costs you nothing.
- Applications
- hollycrestadvisors.com/apply
- Open
- Monday to Friday, 9am–6pm Eastern
- Anything else
- Get in touch