Intake to funded, in four steps.
Summit places capital through a structured underwriting process — not a lead-sale, not a black-box algorithm. Here is exactly what happens after you submit an inquiry, and what we commit to at each step.
Confidential intake
Submit a one-page application with your business details and how much capital you need. No credit pull, no obligation, no documents required up front. Takes most operators under 5 minutes.
Same-day underwriting review
A senior underwriter reviews your profile against current lender appetite across nine product lines. We identify which structures fit — working capital, line of credit, term loan, equipment, factoring, asset-based, real estate, bridge, or direct — and request only the documents required to advance the strongest path.
Structured offers, negotiated pricing
We shop the file to the lenders most likely to win it, present multiple offers side-by-side with total cost of capital disclosed, and negotiate rate, term, and fees on your behalf. You choose the structure that fits — there is no pressure to take the first offer back.
Sign, close, fund
Documents are signed electronically. Bank verification runs through a read-only connection. Funds wire directly to your operating account, typically within 24 hours of signed docs — same day for many MCA and line-of-credit closings.
What you can count on.
- 01No credit pull on inquiry. A soft check is used during structuring; a hard pull only happens after you accept an offer and proceed to closing.
- 02Broker compensation is disclosed in writing on every term sheet. You see exactly what the lender pays the desk before you sign.
- 03Every file is reviewed by a senior underwriter — no bulk-blasting to every funder in the database. We protect your time-stamp and your credit profile.
- 04No fees to apply, receive offers, or walk away. Summit is paid by the lender at funding.
Submit an inquiry.
5 minutes, no credit pull, no obligation. You'll have indicative terms back the same business day.
Apply now →