How long does it take to get financing?
How long an application takes depends on your file and on the lenders; Capital Facile promises no timeline. Each lender assesses the application using its own criteria and decides alone.
Choose my amountThe answers
- How long does it take to get financing?
- It depends on your file and on the lenders: we don’t promise any timeline. Part of the way depends on you, the rest on the lender.
- What depends on me?
- Filling in the online application, step by step, and providing the business account’s statements for the last three to six months. Complete statements from the start leave fewer questions to ask.
- What depends on the lenders?
- The analysis of the file, the questions they ask and their decision. Each lender assesses the application using its own criteria, and it answers with a written offer, questions or a refusal.
- What happens between my application and a lender’s decision?
- A person reviews your file and calls you, then we give you our written mandate. Once the mandate is signed, we present the file to the lenders you authorize and we follow up with them.
- Why not announce a timeline?
- Because the decision belongs to the lender, not to us. Announcing a timeline would be promising in its place.
What the lender looks at
- Actual deposits, month by month
- Complete statements give the lender what it reads first.
- Trend over the period
- A full period is read without anyone having to ask again for missing months.
- Payments to other lenders
- Commitments declared from the start leave the lender fewer questions.
- How long the business has been operating
- Each lender compares time in business with its own thresholds.
$0 upfront · 7% only if funded
An intermediary, not a lender.
The lender sets the final amount and its cost in its written offer.
Choose my amount