How It Works
Get funded in as little as 24 hours with our simple, transparent process. Our streamlined application and underwriting process makes getting business funding easier than ever.
Complete Your Application
Fill out our simple online application with basic information about your business. The process takes just 5-10 minutes and doesn't require extensive documentation upfront.
No credit impact on your score
Basic business information required
Mobile-friendly application form
Speak with an Underwriter
One of our expert underwriters will contact you within 24 hours to discuss your loan options and answer any questions you have.
Personalized consultation
Expert guidance on best options
Answer all your questions
Receive Your Funding Options
We'll present you with multiple funding options tailored to your business needs. Compare terms, rates, and repayment schedules to find the perfect fit.
Multiple loan options presented
Transparent pricing with no hidden fees
Flexible terms to match your budget
Accept Your Offer
Choose the loan option that works best for your business and accept the offer. You can do this entirely online with e-signatures.
Simple online acceptance process
E-signature technology for convenience
No paperwork hassle
Get Funded
Funds are deposited directly into your business bank account. Most approvals are funded within 24-48 hours, and some even faster.
Direct deposit to your account
Quick turnaround (24-48 hours)
Start using your funds immediately
Why Choose First Union?
We're committed to making the lending process simple, transparent, and fast.
Fast Funding
Get approved and funded within 24-48 hours, not weeks.
No Credit Impact
Your credit score isn't affected by our application process.
Expert Support
Dedicated underwriters guide you through every step.
Transparent Pricing
No hidden fees or surprise charges. See exactly what you'll pay.
Flexible Terms
Choose payment schedules that fit your business needs.
Multiple Options
Apply once and compare different loan products and amounts.
Frequently Asked Questions
How long does the application take?
The application typically takes 5-10 minutes to complete. You can fill it out on your phone, tablet, or computer at your convenience.
Will this affect my credit score?
No, our initial application doesn't result in a hard inquiry on your credit report, so it won't impact your credit score.
How fast can I get funded?
Most approvals are funded within 24-48 hours of acceptance. Some applications may be funded even faster, sometimes the same day.
Are there any hidden fees?
No. We believe in transparent pricing. All fees and terms are clearly disclosed before you accept an offer.
Can I pay off my loan early?
Yes, most of our loans allow early repayment without penalties. You can pay off your loan whenever you're ready.
What documents do I need?
Initial application requires minimal documentation. If approved, we may request recent bank statements and tax returns.