The process
A clear path from eligibility to decision
Six defined stages, secure document collection, and a visible application status keep you informed from start to finish.
Six steps
What happens, in order
The same path applies to both business financing and personal loans — only the information and documents differ.
Step 1
Check your eligibility
Answer a short set of questions about you or your business and the amount you would like to request. You receive an initial eligibility result, not a final decision.
Step 2
Create your account
If you continue, you create a secure account so your application is saved, protected, and can be resumed whenever it suits you.
Step 3
Complete your application
Provide the full details for your product — applicant or ownership information, financial details, purpose of funds, and the required consents and disclosures.
Step 4
Submit your documents
Upload identification, bank statements, and any business documents through secure upload. We tell you exactly what is needed and why.
Step 5
Review by your loan manager
A dedicated loan manager is assigned to your application. They review your file, request anything missing, and answer your questions directly.
Step 6
Decision and next steps
You receive a clear outcome with an explanation. If your application moves forward, your loan manager walks you through the remaining steps.
Eligibility is an initial result
An eligibility result is not a final approval. Final financing terms and funding remain subject to completion and review of your application and required documentation.
Timelines
How long each product takes
Processing time is measured after all required information and documents are received, and remains subject to review.
Business Financing
Requests up to $200,000
5–10 working days
Businesses and business owners
Personal Loan
Requests up to $50,000
3–5 working days
Individuals
Application status
What each status means
You will always know whether your application was received, what is being done, and whether anything is waiting on you.
| Status | What it means | Typical next action |
|---|---|---|
| Started | Your application has been created but not yet submitted. | Finish and submit your application. |
| Submitted | We have received your application and it is queued for review. | No action needed — watch for updates. |
| Under review | Your loan manager is reviewing your information and documents. | Stay available for questions. |
| Documents requested | Something is missing, unclear, or needs replacing. | Upload the requested document. |
| Additional information needed | We need a detail clarified before review can continue. | Respond to your loan manager. |
| Decision issued | A decision has been made and explained in your account. | Review the outcome and next steps. |
| Closed | The application has been completed, declined, or withdrawn. | You may start a new application at any time. |
Still have questions?
Our team can walk you through the process before you start anything.