Skip to Content
​

24-72 Hour Funding. Real Timeline.

From application to funded — measured in hours, not weeks.

Start The 72-Hour Clock

Subject to qualification and complete documentation. NEXA Lending LLC NMLS #1660690.

The 72-Hour Process

Five checkpoints. Each one accountable. No black boxes.

  1. Hour 0

    Apply

    Single 4-minute application. Soft credit pull only. No cost to find out.

  2. Hour 4

    Pre-Qualification

    Credit, revenue, time-in-business validated. We tell you yes, no, or what we need to get to yes.

  3. Hour 24

    Term Sheet

    Best-fit lender matched. Rate, amount, structure, fees — in writing.

  4. Hour 48

    Documents

    E-sign loan docs. Bank statements verified. Identity confirmed.

  5. Hour 72

    Funded

    Wire to your business operating account. Capital deployed.

What Makes It Fast

No magic. Three engineering choices that compress the timeline.

Soft Pull, Not Hard

We pre-qualify with a soft credit inquiry. No hit to your FICO score while we shop your file.

Smart Lender Matching

Your file routes only to lenders whose box you fit. No shotgun submissions, no contradictory pulls.

Pre-Verified Funders

We work with funders who issue same-day term sheets and wire within 24 hours of executed docs.

What Could Slow It Down

Honest expectations. The 72-hour clock can stretch when these factors are present.

  • Incomplete documentation. Missing bank statements, expired ID, or unsigned tax returns add 24-48 hours per round-trip.
  • Unusual industry classification. Cannabis, adult, firearms, gaming, and certain MCC codes require specialty funders with longer review windows.
  • Structural complexity. Multi-entity ownership, recent restructuring, or active litigation requires legal review before terms can issue.
  • Recent credit events. Open bankruptcies (under 24 months), recent tax liens, or unresolved judgments require workout strategy before funding.
  • Stacked positions. Active MCAs or three-plus open business loans trigger lender position-management before new capital can fund.

If any of these apply, we will tell you in Hour 4 and quote a realistic timeline. We will not let you sit on hope.

Start The 72-Hour Clock

Soft credit pull. No cost. Pre-qualification in 4 hours.

By submitting, you acknowledge the Privacy Policy and Terms. Homestead Capital Partners (NMLS #2587985) and NEXA Lending LLC (NMLS #1660690).