01
Apply in minutes
Tell us how much you need and a few basics about the business. No lengthy paperwork, no bank visit, no cost to submit.
02
Get matched
We review your profile and route the file to the lenders in our network most likely to fund your industry and structure.
03
Review your offer
Compare structure, term, and total cost side by side. Clear terms, no hidden fees, no pressure to sign.
04
Get funded
Once you accept, funds are deposited directly into your business account — often within one business day.
Same file, different experience
Why this beats calling your bank.
A bank reads your file once and decides. An aggregator resells it to forty inboxes. We do something else.
| Growth Rate Capital | Traditional bank | Typical broker | |
|---|---|---|---|
| Time to decision | Same day, soft review | 2–6 weeks, hard pull | Hours, on every lender they sell to |
| Application effort | One file, one form, one contact | Heavy financials package | One form, resold widely |
| Cost to apply | $0 — paid by the lender | $0, but slow | Often upfront fees |
| Who you talk to | One funding specialist | A branch queue | Whoever bought the lead |
Why Growth Rate
Four things we do differently.
No application fee.
Zero cost to apply and zero cost to compare options. We're paid by the lender on funding, never by you up front.
No collateral required.
Most of our programs are unsecured. Your home, your equipment, and your vehicles stay out of the conversation.
One team, start to finish.
Every application is reviewed by a real funding specialist. One point of contact by phone or email — no call center queue.
Wide lender network.
One file gets routed to the lenders most likely to say yes for your specific industry and revenue profile.
Frequently asked
Common questions, plainly answered.
Is Growth Rate Capital a lender?+
No. Growth Rate Capital is a working capital solutions company that connects business owners with independent third-party lenders. We package your file once and place it with the lender most likely to fund it — we don't originate or service the financing ourselves.
How fast can I actually get funded?+
Most files receive a decision the same day. Once you select an offer and complete the lender's documentation, funds typically deposit within one business day. Start to finish is often under 72 hours.
Will applying hurt my credit score?+
The initial review is a soft inquiry only and does not affect your score. A hard inquiry happens only after you've seen offers and authorized a specific lender to underwrite the file.
Is there any fee to apply?+
None. No application fee, no consulting fee, no upfront cost of any kind. We're compensated by the lender on funding — if a deal doesn't fund, no fee is paid by anyone.
What if I've been declined elsewhere?+
That's a common reason businesses come to us. A decline often just means the file landed with the wrong underwriter. The same numbers can get a different answer with the right routing.
Do I need tax returns or detailed financials?+
For most products, no. We ask for the last three months of business bank statements and a short application. Larger requests may require additional documentation.