Capital Advisory From uCurrent
Capital in the right order. Business in motion.
We read your whole file the way a lender will, show you which capital fits and what comes first, get the file ready, then work each application with you.
Starting with us does not guarantee funding. Lenders make every approval decision.
Start here
Tell us where you are headed
A few questions about the business and the capital, then your details. Your advisor has your answers before the call.
Read. Ready. Move.
Every application is a move. We make them in order.
One bank's answer says little about the rest of the market, and every application sent in the dark can cost you an inquiry. So the file is read first, put right where it needs to be, and moved only where it fits.
The whole file, the way a lender reads it
Personal credit, business deposits, years operating, the debt you carry and what the capital is for, read together. A strong score on its own decides very little.
Put right first, where something is in the way
If one thing would stop a lender, you hear a plain "not yet" and what to fix. Anything your business already reaches goes ahead alongside.
Applications in the planned order
Your options ranked, each with the reason, then every application worked with your advisor, in sequence, only where your file fits.
A lender approves, you accept, and the capital moves.
Your Capital Blueprint
The what comes first. The how follows once you sign.
After the intake and a call with your advisor, your documents come in and your file gets its full read. Your Capital Blueprint puts the result in front of you before you sign the advisory agreement: what your file is built for, what stands in the way, and the order that follows from it.
The gates
The screens a lender puts your personal file through, and where yours stands on each one today.
The capacity
What your file is built for, lane by lane, on the strength of your own deposits, credit and time operating.
The cost of waiting
What standing still is costing the business, worked on your own figures rather than a made-up example.
The ranked path
Which lane goes first, which follows, which waits, and the reason for each. Steps that carry a hard inquiry or a personal guarantee are named before you take them.
Then the how: your Capital Roadmap
The step-by-step funding sequence, the order every application goes in and why, and your advisor on the file with you from the first application to funding you accept.
Our fees
An advisory retainer at signing and a success fee on funding a lender approves and you accept. The retainer is credited against the success fee. On an accepted credit line the success fee applies to the full approved limit, drawn or not. Both are set out in the advisory agreement, and you read it before you sign. Whatever a lender charges is separate and comes in the lender's offer.
Your business is already in motion. Put your capital in the same current.
Two minutes to tell us where you are headed. Then a conversation with an advisor who has already read your answers.
Five kinds of capital. One read of your file.
Each lane is underwritten differently: the 0% lane on your personal file, the business lanes on the business, the asset lanes on the asset. One lane never implies another.
0% business credit
A clean personal file with several primary accounts. The fewest documents of any option.
About 2 to 4 weeks from the first call
Working capital and business lines
Steady revenue in the business, sized off your deposits more than your personal credit.
Same day to under 2 weeks
SBA loans
Established, profitable businesses with filed returns. Often the lowest cost and the hardest to get.
15 to 60 days
Equipment financing
A specific purchase, from trucks and kitchens to machinery, medical and point-of-sale.
Varies. Same-day approvals are possible.
Real estate
Equity in a home or property, or investors buying, renovating or holding property.
About a week for a home equity line. Investment property varies by deal.
Can't tell which of these fits? Finding out is the point of the read.
How it works
Tell us where you're headed
A two-minute intake about the business and what the capital is for.
Talk it through
A 30-minute call with an advisor who already has your answers.
See your Capital Blueprint and our terms
What your file is built for, anything to put right first, the ranked path, and our fees in writing before you sign.
Apply in sequence
Your advisor works each application with you, in the planned order.
Funding you accept
The success fee is owed on funding a lender approves and you accept. On a credit line it applies to the full limit, drawn or not. Any retainer paid is credited against it.
Questions before you start
Start where you are. Your score carries the most weight for 0% business credit; working capital and equipment financing look harder at the business itself, its deposits, its sales and how long it has been running. The read tells you which of those your file leans on.
Often, through the owner. 0% business credit is underwritten on the owner's personal file, so a young company with a well-kept owner file can begin there. SBA loans and bank term loans generally look for two or more years of operating history, so they tend to come later in the order.
Starting with us won't put a hard inquiry on your file. Applications come later, only with your go-ahead, and some of them do create hard inquiries. We tell you which ones before you apply.
Your Capital Blueprint: the gates on your personal file, the capacity your file is built for, what waiting costs and the ranked path. It shows the what. The step-by-step Roadmap and funding sequence, the how, follow once you sign the advisory agreement.
No. Lenders decide every approval, amount and rate. What we control is the order and the preparation: which applications go in, when, and with the file in the best shape it can be.
Our fee has two parts: an advisory retainer when you sign, and a success fee owed on funding a lender approves and you accept. On a credit line, the success fee applies to the full approved limit, whether or not you draw on it. The retainer is credited against the success fee. Both are written into the advisory agreement, and you read it before you sign. Anything a lender charges is separate from our fees: you see our fees before you sign, and each lender's terms before you accept its offer.
Nothing stops you. The cost of applying blind shows up later: every hard inquiry and every denial stays on the file the next lender reads. A read first means each application you make is one your file can carry.
Know your order. Then move.
Find out where your file stands before a lender does. Two minutes to start, no hard inquiry, and an advisor on the other end who reads the whole file.
See what fits