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01Process

From first call to funded.

Application to funding

Seven steps, in order, with what happens at each one and how long it usually takes. Nothing sensitive is collected on this website: no SSN, no documents, no uploads.

02The lifecycle

Seven steps, in order.

The timings below are typical, not promised. A clean file with complete statements moves faster than one that needs chasing, and every funder works to its own clock.

What a funder looks for

Stage one · To an offer

  1. 01

    Application

    ~5 minutes

    A short form: what the business does, how long it has traded, roughly what it deposits, and how to reach you. No SSN and no documents are collected on this website.

  2. 02

    Documents

    Typically same day

    3 to 6 months of business bank statements, owner ID and a voided check. They travel through a secure e-signature packet, sent only after a person has spoken with you. Nothing is ever uploaded to this site.

  3. 03

    Review

    Often 1–2 business days

    The funder reads the revenue, the cash flow, any existing obligations and the general health of the business. Deposit consistency carries more weight here than a credit score.

  4. 04

    Offer

    Then it is your call

    You receive the advance amount, the factor rate, the term and the total you would repay. Nothing is committed at this point. Take the time to read it, and ask for anything that is not written down.

Stage two · To funding

  1. 05

    Offer accepted

    Minutes to sign

    If the terms work, contracts are signed electronically. Read the weekly payment, the total repayment and the early-payoff terms before you sign, not after.

  2. 06

    Final stips

    Often a few hours

    Remaining documents and verifications are completed: bank verification, a license or landlord check, a missing statement page. Stips are routine. They are also the last gate before funds move.

  3. 07

    Funding

    Same day on qualified files

    Funds are released to your business account, same-day on qualified files. From that moment the advance is live and weekly payments begin per the agreement. Confirm the net amount that actually landed after fees, and check it against the contract.

03Repayment

One fixed debit, every week, until the total is collected.

Repayment is not a monthly installment and there is no interest accruing on a balance. A fixed dollar amount is drawn from your business account by automatic ACH on the same day each week, until the agreed total has been collected. Then it stops.

The amount is set at signing and does not move. There is no invoice to pay and no schedule to calculate. That also means the debit arrives whether or not the week was a good one. That is the trade-off to weigh before you sign, not after.

Some funders in this market debit daily. Weekly is easier to plan around: the money leaves once, on a day you know, and the days in between are yours to trade through.

How the debit behaves

  • A fixed amount, same day each week, by automatic ACH
  • Weekly is gentler on cash flow than a daily debit
  • It runs until the agreed total is collected, then ends
  • Paying the balance off early earns a substantial discount. Ask for the figure in writing

What you repay on a
$100,000 advance

Worked exampleFigure
Advance$100,000
Factor rate1.35
Total repayment$135,000
Term10 months · ~43 weekly payments
Weekly ACH debit~$3,100–$3,150

An illustration, not an offer. The origination fee of 2% to 10% is deducted at funding, so the amount that reaches your account is less than the advance figure above while the total repayment is unchanged.

Run your own numbers

04Our role

What we do, and what we do not do.

Atlas Business Capital is a broker. It places your file with third-party funders and is paid by the funder when a file funds. It is not a lender, a bank or a funder itself, and you should know that before you read anything else here.

What we do

  • Take your file to third-party funders and put it in front of the ones most likely to work with it
  • Present every offer received, with the total repayment stated in dollars
  • Explain the factor rate, the fee and the weekly payment in plain terms
  • Tell you when an advance is the wrong instrument for the problem

What we do not do

  • Fund advances: the capital comes from the funder, never from us
  • Set the factor rate, the term or the origination fee
  • Make the credit decision, or promise that any file will be approved
  • Collect your weekly payments or hold your money at any point

Atlas Business Capital is a trading name of Veilon AG, Oberdorfstrasse 12, 8853 Lachen SZ, Switzerland. An advance is the purchase of a portion of your future receivables. Your contract is with the funder, and its terms govern.

Before you sign

Get three numbers in writing and check each one against the contract: the exact weekly payment, the net amount that will reach your account after the 2% to 10% origination fee, and the discount for paying the balance off early. If any of the three is missing, do not sign yet.

Start at step one.

Tell us what the business does and what the capital is for. No credit pull to get an indication, nothing sensitive collected on this site, and no obligation at any point before you sign.

Get funded

Speak to a person

(305) 791-3797funding@atlasbusiness.capital

Mon–Fri, 9am–6pm ET · We answer in under 4 business hours.