The Process

From Application to Funded in as Little as 48 Hours.

We built our process to move at the speed of your business — not the speed of a bank. No 30-day waits. No endless paperwork. Just a clear path to the capital you need.

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fact_check Same-Day Decision
local_atm Funds in 24–48 Hours
support_agent Dedicated Advisor

Four Steps to Capital

01

Step One

Complete the Application

Our online application takes under 5 minutes. Tell us how much you need, what you'll use it for, and basic information about your business. No SSN required at this stage.

timer Under 5 minutes
lock No SSN required
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02

Step Two

Speak with a Dedicated Advisor

Within hours of your submission, a Forge Path advisor will reach out. They're not call-center scripts — they're specialists who understand your industry and will ask the right questions to match you to the right product at the right terms.

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Your advisor stays with you from this call through funding — and is your first contact for any future financing needs.

03

Step Three

Submit Documents & Receive Your Offer

We typically require 3 months of business bank statements and your most recent tax return. That's it — no appraisals, no lengthy underwriting committees. Our team reviews and returns an offer, usually within the same business day.

Typical Documents
  • check 3 months bank statements
  • check Most recent tax return
  • check Government-issued ID
We Don't Require
  • close Real estate collateral
  • close Appraisals or audits
  • close Perfect credit score
Turnaround

Same Day

From document submission to offer presentation

04

Step Four

Accept Your Offer & Receive Funds

Review your offer — amount, term, and payment structure — and sign electronically. Once accepted, funds are wire transferred or ACH deposited into your business account within 24 to 48 hours. No delays, no surprises.

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Frequently Asked Questions

Does applying affect my credit score?

The initial application uses a soft pull, which does not impact your credit score. A hard inquiry is only run once you've reviewed and are ready to accept an offer.

What credit score do I need?

We look at your full business picture — revenue, cash flow, and time in business — not just a credit score. We work with businesses with scores as low as 580, though stronger profiles unlock better terms.

Is collateral required?

Most of our working capital and line of credit products are unsecured. Larger term loans and equipment financing may require a lien on business assets or a personal guarantee, but not real estate collateral.

Can I apply if I've been turned down by a bank?

Yes. Traditional banks operate on rigid models that exclude many creditworthy businesses. We assess your current cash flow and trajectory, not just historical metrics that banks rely on.

Are there prepayment penalties?

Many of our products have no prepayment penalty, allowing you to pay off early and save on interest. Your advisor will clarify any prepayment terms specific to your offer before you sign.

Ready to Start?

The application takes under 5 minutes. A dedicated advisor will follow up within hours.

Apply Now — It's Free