Business Capital. Without the Long Wait.
24 funding programs across real estate, auto dealerships and Main Street, processed by our own underwriters instead of shopped around. Fewer steps, fewer resubmissions, and a decision in days rather than months.
- No credit pull to see terms
- Direct underwriter access
- $25K to $2B
Days to close, by program
Typical timeline from a complete file, against the conventional brokered path.
Typical timelines measured from submission of a complete file. Actual timing depends on documentation, third-party reports and lender approval. Not a guarantee or a commitment to lend.
Which one are you?
Each answer opens a different underwriting desk. Picking the right one is why the questions that follow are short.
- Real estateI'm a real estate investorFinancing a property, rental, value-add, acquisition or owner-occupied. Underwritten on the asset and its cash flow.10 programs18 day median closeStart my file
- Auto & dealerI run a car dealershipUnderwritten on the dealership itself, inventory, floorplan exposure, F&I production and bank activity.10 programs14 day median closeStart my file
- Main StreetI run another kind of businessRestaurants, mechanic shops, trucking, manufacturing, retail and trades. Underwritten on cash flow, not sector.13 programs18 day median closeStart my file
Starting a file is a preliminary review, not an application for credit and not a commitment to lend. No credit inquiry is performed to begin. Final terms are subject to underwriting, collateral review, documentation and lender approval.
A preliminary read in minutes, not a callback next week.
Open a file, upload what you have and the system tells you where you stand and exactly what it still needs, while you are still sitting there. The waiting is the part we removed.
- 01
Open a file
30 secondsPick your business type and you are in the right underwriting desk. No product to choose, no forms about products you do not need.
- 02
Upload what you already have
A few minutesBank statements, returns, a debt schedule. The system reads them, classifies them and pulls the figures out, you are not typing them in.
- 03
Get the read back
Minutes, not daysWhere the file stands, what is missing, and which gaps actually matter. Specific documents, not a rejection.
- 04
Follow the roadmap
Same sessionA clear path to funding with the conditions named up front, so nothing surfaces late enough to kill the deal.
- Wait days for a first responsePreliminary read in minutes
- Find out what's missing at week threeGaps named on day one
- Re-send documents you already sentUploaded once, read once
- Guess where the file standsStatus visible the whole way
A preliminary read is not an approval or a commitment to lend. Timing depends on the documents provided; complex files take longer.
Not ready for funding? Build a stronger file.
If your business is not ready or was recently declined, our underwriting team and technology turn financial evidence into measurable goals and a practical action plan to strengthen your file and pursue stronger, better-matched funding options.
Explore Capital ReadinessReadiness support does not guarantee approval, funding amounts or pricing.
- Evidence-backed financial checks
- Bank and debt monitoring
- Measurable goals and action plan
- Funding document packaging
One underwriting desk. Three industries that need it most.
The programs differ. The process doesn't, every file goes to an underwriter who can actually decide it.
- 8 programs
Real estate
Investors and owner-occupants financing income property, value-add projects and commercial acquisitions.
- DSCR rental loans
- Fix & flip
- Bridge / purchase
- SBA 7(a) and 504
- 9 programs
Auto & dealer
Used-car dealerships financed on the real business, inventory, floorplan exposure, F&I production and cash flow.
- SBA 7(a) and 504
- Dealer working capital
- Revenue-based financing
- Floorplan support
- 14 programs
Main Street
Restaurants, mechanic shops, grocery and commodities, transportation and manufacturing, the operating businesses that carry a payroll and a lease.
- SBA 7(a), 504 and sector programs
- Term loans and lines of credit
- Equipment and transportation finance
- Jumbo and hybrid structures
What Main Street owners ask for most.
- Working capital loans
Lines to $250K in about 3 days. Fixed-rate terms in about 5.
- Equipment financing
$25K to $2M on the asset and the payment, vendor paid directly.
- Cut card processing fees
Not a loan. One statement, the saving in writing, accept or decline.
- By trade
Manufacturing, medical and dental practices, supermarkets, restaurants, trucking, trades.
23 programs, one file.
You don't have to know which product you need. Submit what you have and the file is matched to the program it actually fits.
Real estate
8 programs| Program | Amount | Term | Typical close |
|---|---|---|---|
| SBA 7(a)All industries | to $5M | 10–25 yr | 30 days |
| SBA 504All industries | to $5.5M | 10–25 yr | 90 days |
| SBA ExpressAll industries | to $500K | 7 yr line / 10 yr term | 21 days |
| DSCR Rental | $250K–$2B | 30 yr | 21 days |
| Fix & Flip | to $5M | 12 mo | 7 days |
| Bridge / Purchase | to $25M | 12–24 mo | 1 day |
| Construction Capital | to $25M | 12–36 mo | 14 days |
| Portfolio Lending | $500K–$2B | 30 yr | 30 days |
Auto & dealer
9 programs| Program | Amount | Term | Typical close |
|---|---|---|---|
| SBA 7(a)All industries | to $5M | 10–25 yr | 30 days |
| SBA 504All industries | to $5.5M | 10–25 yr | 90 days |
| SBA ExpressAll industries | to $500K | 7 yr line / 10 yr term | 21 days |
| Dealer Working Capital | $50K–$2M | 1–5 yr | 5 days |
| Real-Estate-Backed Dealer Capital | to $10M | 5–25 yr | 30 days |
| MCA RefinanceQC origination/success fee: up to 3% | Up to $350K | Up to 10 yr | 5 days |
| Floorplan Support | to $5M | Revolving | 7 days |
| Revenue-Based FinancingAll industriesQC origination/success fee: up to 3% | $25K – $10M | 12–14+ mo | 3 days |
| Equipment FinancingAll industries | $25K–$2M | 24–84 mo | File review |
Main Street
14 programs| Program | Amount | Term | Typical close |
|---|---|---|---|
| SBA 7(a)All industries | to $5M | 10–25 yr | 30 days |
| SBA 504All industries | to $5.5M | 10–25 yr | 90 days |
| SBA ExpressAll industries | to $500K | 7 yr line / 10 yr term | 21 days |
| Revenue-Based FinancingAll industriesQC origination/success fee: up to 3% | $25K – $10M | 12–14+ mo | 3 days |
| EZ Term | $25K – $500K | 3–5 yr | 5 days |
| MicroCap | $15K – $50K | 10 yr | 30 days |
| Lines of Credit | to $250K | Revolving | 3 days |
| Equipment FinancingAll industries | $25K–$2M | 24–84 mo | File review |
| Jumbo Term | to $25M | Varies | 1 day |
| Hybrid Term / LOC | to $25M | Varies | 1 day |
| Transportation Finance | to $5M | 2–7 yr | 3 days |
| SBA Grocery | to $5M | 10 yr | 30 days |
| SBA Made in America | to $5M | 10 yr | 30 days |
| 10-Year Term Loan | File-specific | Structured | File review |
Amounts, terms and timelines are typical ranges for complete files and are subject to underwriting, collateral review, documentation, third-party reports and lender approval. Nothing here is a commitment to lend. SBA programs are additionally subject to SBA eligibility and approval.
Days, not quarters.
Most of a conventional timeline is spent before underwriting even begins. Removing those steps is what compresses it.
Typical timelines measured from submission of a complete file. Actual timing depends on documentation, third-party reports and lender approval. Not a guarantee or a commitment to lend. SBA programs are subject to SBA eligibility and approval requirements.
We removed the five steps that cost you a month.
A brokered file gets packaged, shopped, resubmitted and queued before an underwriter ever reads it. We are the lender, so your file goes straight to the desk that decides it.
- 1
Submit your file
Documents into an encrypted file room.
- 2
Broker intakeremoved
A middle layer re-collects what you already sent.
- 3
Broker packagingremoved
Days spent reformatting a file for submission.
- 4
Lender shoppingremoved
Blind submissions to desks that may not want the asset.
- 5
Direct underwriter review
The person who decides reads it first, not fourth.
- 6
Second-round document requestsremoved
Gaps identified up front instead of mid-review.
- 7
Committee queueingremoved
Waiting for a calendar slot to be looked at.
- 8
Term sheet and close
Structured terms, then funding.
Where your file actually goes.
Handing over tax returns and bank statements is the part of this that deserves a straight answer, so here it is.
No credit inquiry to start
Nothing about opening a file or getting a preliminary read touches your credit. A pull happens later, only with your authorization, and only when a real term sheet depends on it.
Encrypted room, not an inbox
Documents upload straight into an encrypted file room. Nothing about your file travels as an email attachment.
Read once
Each document is read and classified on upload. You are not asked for the same statement twice because someone new picked up the file.
Not shopped around
Your file is not blasted to a panel of lenders to see who bites. We underwrite it ourselves, and it goes to a desk that has already been matched to the profile.
Is my business eligible?
If it has revenue, a bank account and a year of history, we can screen it.
Where we fund most often
- Restaurants and food service
- Mechanic and auto service shops
- Grocery, produce and commodities
- Trucking, freight and logistics
- Manufacturing and fabrication
- Retail and e-commerce
- Construction and trades
- Professional and medical practices
These are the sectors we fund most often, not a list of who qualifies. The programs are underwritten on cash flow and collateral, so most operating businesses outside this list are still worth screening.
- Time in business
- 1+ year
- Annual revenue
- $50K+
- Credit score
- 640+
Meet those three and the file is worth screening, whatever the sector. Our underwriters review the business itself, bank activity, cash flow, collateral and existing obligations, rather than scoring you against an industry list.
Screening is a preliminary review, not a commitment to lend. Final terms are subject to underwriting, collateral review, documentation and lender approval.
Frequently asked questions.
Does this affect my credit score?
No. The platform uses soft-pull technology for initial pricing and qualification estimates, which does not impact your FICO score.
Are you a direct lender?
Qualified Commercial is a commercial real estate technology platform and brokerage that routes qualified files directly to institutional capital desks.
How is this different from a traditional broker?
Traditional brokers often submit deals manually. Qualified Commercial uses AI-driven capital intelligence and live lender matrix analysis to route deals based on institutional fit.
Is my data safe?
Yes. The platform is designed around bank-level security, encrypted document storage, and investor-controlled access.
Know where you stand before the market moves.
Check your buying power, generate a Deal Strength Score™, and move with confidence.