Compare your financing options in one place.
One application. We handle the process. You compare your options in the portal and decide. You are not required to sign.
1. Submit the file
You start with what the company needs: roughly how much, what the money is for, and the basics on the business. Bank statements help if you have them. You can add them after you apply. You do not need a perfect packet on day one.
Naming payroll, a truck, inventory, or a property is more useful than a blank amount. If you are not sure which product fits, say so. One application still covers working capital, lines of credit, equipment, term loans, SBA, and commercial real estate. What to have ready
2. Keystone packages the file
Keystone Business Lenders packages the file and sends it to lenders that buy that kind of paper. We handle the back and forth so you are not repeating the same story across a stack of forms. If the file is not something those lenders buy, we say so and tell you why.
You talk to us. You stay in one conversation from the first questions through closing.
3. Options appear in your account
Options appear in your account when they exist. Sign in with the email on the application and you compare terms there: the type, the term, and the total cost, not a headline rate. Signing in will not create a new request.
If nothing comes back, we tell you that too. You can ask to talk or walk away. You are not required to sign.
4. You pick an option
You pick an option. The lender is named on that option. You still review that lender's agreement before anything is signed. Approval, terms, and timing vary. Business use only.
Nothing to pay to apply
There is nothing to pay to apply. If you sign an agreement and a third-party lender funds it, that lender pays us. Our job is to get you options you can compare, not to push a single product.
FAQ
- Do I create an account?
- You can look without one. After you apply, sign in with the email on the application to add statements and compare your options. Signing in will not create a file.
- Who do I hear from?
- You hear from Keystone Business Lenders. We handle the application. The lender is named in the agreement before you sign.
- Is there something to pay to start?
- No. There is nothing to pay to submit an application.
- How long does it take?
- It depends on the request and the lender, not a published clock. After we read what you sent, we give an honest timeline. SBA and property files take longer because more parties look at them.
- Does applying affect my credit?
- Submitting the first part of the form does not pull credit. When you sign the application you can authorize a soft inquiry so we can see options. A hard inquiry only happens later with a lender you choose.
- What if I already have an advance or a loan out?
- Say so on the application. Existing positions change what a lender can do with the file, and hiding them only wastes your week.
- What if nothing comes back?
- We tell you. You are not required to sign anything, and there is nothing owed for looking.