Apply once.
Nobody else calls.
Working capital from a firm that never shops your file. Four bank statements, one named underwriter, real numbers in writing. Then a phone that stays quiet.
Soft credit pull only. No fee to look.
Reads your file. The only person who calls.
Amount, exact payment, total payback, early-payoff schedule. Usually the same business day.
Apply anywhere else, and
the calls never stop.
You fill out one form. By the next morning your number is on a lead list and a dozen “funding specialists” you have never heard of are calling, texting and re-pulling your credit. It goes on for months. Once that box is open, you cannot close it.
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Why this is priority one at Apex.
The biggest reason a good business never applies for capital is not the cost. It is the fear of what happens to the phone afterward. So we built the firm around a quiet phone: one underwriter who reads the file, no broker stack to sell it into, and one funder at a time if a partner is the right fit. We treat the silence as part of the product, not a courtesy.
Read the full commitmentWe do not blast applications to a broker stack, and we never sell contact data to lead-list companies. Not for declined files either.
A named underwriter owns your file from statements to wire. They are the only person who will ever call you about it, and their direct line is on every email.
Some files fund on our own capital. Some fit a partner funder better. Either way your file goes to one underwriting desk, not twenty, and you know before it goes.
Prefer email? Only mornings? Say so on the application and it is honored. No nightly dialer, no follow-up sequence, and one STOP covers every channel.
Four statements.
Then real numbers.
The goal of the first conversation is not to close a deal. It is to get four months of bank statements in front of one underwriter. Everything honest follows from that.
- 01Five minutesSend four statements
Your last four complete months of business bank statements, plus the current month to date. PDFs from your bank portal are fine. Soft credit pull only.
- 02Same business day, usuallyOne underwriter reads the file
A named underwriter at Apex reads real revenue, the trend across every month, daily load and deposit rhythm. Nobody else sees it. Nobody else calls.
- 03In your inboxReal numbers in writing
Funded amount, the exact payment, total payback and an early-payoff schedule that shows the cost dropping if you finish ahead of term. No obligation, no cost to look.
- 04Days, not weeksSign and fund
If the numbers make sense for what you told us the capital is for, sign electronically. Once verification is complete your underwriter schedules the wire and confirms the date in writing. If the numbers do not make sense, we tell you that too.
What is the rate?
Honest answer: nobody knows yet.
Anyone quoting you a rate before seeing statements is guessing. What we can tell you now is how to read any offer, ours or anyone else's, so you are never comparing a multiplier to a percentage again.
Read any offer in dollarsThe funded amount that actually lands in your account, after any disclosed closing costs.
The total payback. Advance times factor. A fixed number set on day one that never grows and never compounds.
The term. It sets the size of each payment, not the cost. The same payback over more payments is a smaller hit at the same total.
Already have an offer from someone else? Send it before you sign. We will put those three numbers next to ours in writing, or tell you to take theirs. Either way you win, and either way you are only talking to one person.
Six structures.
One application.
Apply once. Your underwriter matches the structure to your deposit rhythm, what the capital is for and what you already carry. The best product you qualify for, every time.
Repaid as a share of what comes in. Slow week, smaller remit.
Same idea, with a set payment you can plan around.
Several positions into one payment you can actually carry.
04Renewal
Once you have paid down, the next round is priced on your track record.
Trucks, machines, kitchens, devices. The asset carries the deal.
Draw what you need, when you need it.
We read your industry
the way you run it.
A restaurant's remit should ride the register. A contractor's advance should end at the draw. A carrier's file should ask what they haul. Every industry page explains the economics we underwrite to.
Not listed? Most US businesses with six months of history and revenue through a business account are workable. Send statements anyway and your underwriter will tell you plainly.
This deal is how
you earn the next one.
A first advance is priced by a stranger on an unproven file. A renewal is priced on what you have demonstrated. Clean payment history earns longer terms and better pricing than the score alone would give, and we call you when the window opens, not the other way around. Holding a merchant at high pricing on a file that has earned better is how you lose the renewal and the referrals with it. We build a book, not one-off deals.
The short list
that matters most.
Most of what goes wrong for an owner shopping for capital is not a breach. It is a submission that quietly becomes a lead sold to a dozen brokers. These are commitments, not settings.
- 01No fee to apply, and no fee to see your terms
- 02No hard credit pull to get an offer
- 03No selling, renting or sharing your application with lead brokers
- 04No automated message that quotes you a rate, an amount or a term
- 05No contact after you ask us to stop
- 06No second position on a business that cannot carry it
No. That is the reason most owners dread applying for business capital, and it is the first thing we built Apex to fix. Your application is never sold, shared with brokers or added to a lead list. It is read by one named underwriter at our firm, and they are the only person who contacts you about it. If you would rather be reached by email, say so and it is honored.
Both, and we tell you which on every file. Some deals fund on our own capital. Others fit a partner funder better, and on those we act as your broker: one Apex underwriter reads the file, matches it to the one funder whose guidelines it fits, and sends it there with your say-so. It never goes to twenty desks at once, and you never hear from anyone but us.
The initial review is a soft inquiry and does not affect your score. A hard pull happens only with your written consent, after you accept an offer, and only by the funder placing the final advance.
Nothing. There is no application, processing or origination fee to see your terms. If you accept an offer, any closing costs are disclosed in writing and deducted from the funded amount, never paid out of pocket beforehand.
Honest answer: anyone quoting you a rate before seeing statements is guessing. Send four statements and you will have the real numbers in writing, usually the same business day: the funded amount, the exact payment, the total payback and an early-payoff schedule.
Your last four complete months of business bank statements plus the current month to date, a voided business check, a copy of your driver's license and the completed application. Some files also need the most recent business tax return or AR aging; we flag that up front.
Send four statements.
Hear from one person.
Five minutes to send. Soft pull only. No obligation. Real numbers in writing, usually the same business day, and nobody else ever gets your number.