Four steps. No paperwork marathon.

From application to funded, here is exactly what happens — and how the decision is actually made.

From application to funded

1

Apply

One page — your numbers, your business, how to reach you. About three minutes, no documents, and no SSN to browse an offer.

2

Connect your bank

A read-only bank connection through Plaid — about two minutes, no statements to hunt down, no PDFs. Your real revenue verifies itself, and qualifying applications are approved automatically. Your offer arrives in minutes, not days.

3

Switch your processing

We handle the switch to Lombard — typically about a business day, with terminals supplied where you need them. Equipment is yours to buy outright or to lease to own through Lombard Pay; either way the amount and terms are in writing before you sign. This is the trade that makes the funding cheap: remittance comes out of settlement, which keeps our losses — and your price — low.

4

Get funded

The advance lands in your account. From then on, a fixed percentage of each day's card settlement is deducted before deposit until the purchased amount is delivered. Slow week, smaller remittance — automatically.

How the decision is made

Underwriting is AI-decisioned. Your read-only bank connection lets our models verify your revenue and score the application; qualifying applications are approved automatically — typically in minutes. Anything unusual, or anything the models disagree on, goes to a human underwriter. Either way, the offer you see is real numbers for your business, never a teaser range.

See what you qualify for