Most small-business owners over-borrow on credit cards and under-borrow on real working capital. Here's the playbook we use with founders.
What to ask for
- Right-sized amount — model a 6-month runway, not 12.
- Repayment that matches cash-flow seasonality.
- Soft-pull pre-qualification first.
How AI underwriting helps
Banks score on rigid templates. Our AI looks at real-time revenue patterns, not just last year's tax return — so good operators get approved faster.