Typical timeline from submitting your application to money in your account:
| Step | Time |
|---|---|
| Application submitted (you) | ~5 minutes to fill out |
| AI underwriting + lender matching | Instant |
| Lender review + offer | 4-24 hours |
| You sign the contract | Same day |
| ACH deposit hits your account | 24-48 hours after signature |
Two factors can extend this: SBA-style products take 2-4 weeks (regulatory), and incomplete documents pause the clock until you upload what's missing.