No. Requesting options is a soft review only, and your score is untouched. A hard pull happens only if you accept an offer and move forward with a specific lender, and you will be told before that happens.

Nothing to start. Once a specialist reviews your request, most files need three to six months of business bank statements, a driver's license, and a voided check. Larger requests and SBA loans also require tax returns and financial statements.

For approved working capital and equipment files, funds typically land in 24 to 48 hours after documents are signed. Bridge loans usually close in one to two weeks. SBA and commercial real estate take 30 to 90 days.

That is most of what we do. Banks lend on one narrow profile. We work with a national network of lenders with different appetites for credit, time in business, and industry, so a bank decline says very little about what is available to you.