How We Operate
QuickWave Funding is built on a simple idea: be pro‑business. We underwrite for real‑world cash flow, not perfect paperwork. We explain terms in plain English, and we work to earn repeat business—not one‑off deals.
Pro‑Business Principles
- Speed with clarity: same‑day decisions; we tell you exactly what’s needed and why.
- Cash‑flow focused: approvals based on deposits and operating rhythm, not just a FICO snapshot.
- Aligned incentives: we price for repayability. If it doesn’t help you grow, we don’t push it.
- Plain‑English offers: rates, fees, total payback, and prepayment policies are spelled out.
Underwriting Playbook
- MCA: fast working capital against future receipts; ideal for inventory and short‑term gaps.
- LOC: flexible draw/repay access for seasonality and projects.
- Asset‑Backed: larger approvals secured by A/R, inventory, or equipment with lower cost.
- Stack‑smart: we avoid harmful stacking; we’ll refinance to healthier structures when possible.
What You Can Expect
- 24–72 hr approvals once docs are in.
- Dedicated point of contact—not a ticket system.
- No hard credit pull to check eligibility.
- Early‑pay options: many programs offer discounts for early payoff.
Our Pro‑Business Approach
- We optimize for cash flow health and repayability.
- Transparent quotes with all‑in cost visible up front.
- Solutions across MCA, LOC, and asset‑backed lending.
- Structured to keep you eligible for future bank credit.
Typical “Broker” Experience
- One product pushed to everyone.
- Headline rate shown; fine‑print fees discovered later.
- Short‑term wins over long‑term relationships.
- Little guidance on prepayment or refinance paths.
Documentation Checklist
To move fast, have these ready:
- Last 3–6 months bank statements
- Driver’s license & voided check
- Top‑line revenue & average month‑end balance
- For asset‑backed: A/R aging, inventory list, or equipment details
QuickWave Funding acts as an advisor/consultant. Not a lender. Programs subject to approval.