See what you could qualify for
Upload your last four bank statements. Our proprietary AI underwriting system reads them and emails you an estimate of what your business could qualify for.
- Doesn't affect your credit
- No bank login
- Encrypted from upload to storage
- Takes less than 2 minutes
Upload your last 4 bank statements
The four most recent months from your main business account, as PDFs from your online banking.
Encrypted upload. PDFs only, up to 20 MB each.
How it works
1
Upload four statements
Drop in the last four months from your business account. Each file is checked as it lands.
About a minute
2
Our system reads them
Our proprietary AI underwriting system reads every deposit, balance and payment, the way an underwriter would.
Under two minutes
3
Your estimate arrives
We email you an estimate and what we found, with a link to continue your application if you want a real offer.
Straight to your inbox
Your statements stay private
Bank statements are some of the most personal documents a business has. Here is exactly how we handle yours.
- Encrypted on the way and at rest
- Your statements travel to us over an encrypted HTTPS connection and are stored encrypted, in private document storage that is never public.
- Only our team can open them
- They are never posted on a shared link. Only Today Capital Group staff can open them, and each of us signs in individually.
- Never sent to a funder unless you apply
- This check is between you and us. Your statements go to a funding partner only if you go on to finish your application.
- Never used to train AI models
- Our system reads your statements to work out your estimate, and that is all. They are never used to train AI models.
- No bank login
- We read the statements you upload. We never ask for your online banking password.
- Your credit is not touched
- We don't pull your credit for this estimate. Funders may check it later, if you go on to apply.
What our system looks at
The same things funders look at first, so nothing in your estimate comes as a surprise.
- Deposits
- How much comes in each month, how many deposits that is, and how steady it has been.
- Existing advances
- Any daily or weekly payments to other funders, and any SBA loan, listed on its own.
- NSFs and negative days
- Returned items, and days the balance dipped below zero.
- How deposits are spread
- Whether your deposits come from many customers or mostly from a few.
- Personal spending
- Personal purchases running through the business account.
Your estimate is based on these. It is not an offer: real offers come from our funding partners after a full review of your business.
Questions
Instant Quote
No. It is an estimate from a preliminary, automated review of your statements. Real offers come from funding providers after full underwriting, and include the cost disclosures your state requires.
No. We do not pull your credit for this estimate; we only read the statements you upload. If you go on to apply, funders may check your credit as part of their review.
Send the four most recent months from the account your sales are deposited into. A specialist can add your other accounts later.
Uploading takes about a minute. Your estimate usually reaches your inbox within a couple of minutes of leaving your details.
You can continue your application from the email, with your statements already in. A funding specialist from our team will also reach out.
Yes, twice a day on the same device. For a third, ask on the page and we will email you a link.
