Simple Process

From Application
to Funded

Our process is designed to get capital in your hands as fast as possible, with zero confusion and full transparency at every step.

1

Apply Online — 5 Minutes

Complete our simple online application with basic information about your business, your funding needs, and your ownership. No lengthy forms, no business plan required, no commitment.

All we need to get started: business name, monthly revenue, time in business, and the amount you're looking for.

  • 5-minute form
  • No hard credit pull
  • No business plan required
  • 100% secure & confidential
2

Advisor Review & Outreach

Within 1–4 hours of submitting, your dedicated capital advisor contacts you to discuss your application and goals. This is a real conversation — not a chatbot, not a call center.

Your advisor will ask a few follow-up questions and may request 3–6 months of bank statements to build your funding profile.

  • Real human advisor
  • 1–4 hr response time
  • Industry-specific expertise
  • No pressure sales
3

Market Matching — 50+ Lenders

We submit your profile to our network of 50+ vetted lending partners simultaneously. This competitive process means lenders compete for your business — driving better rates and terms for you.

We filter out any offers that don't meet our standards for fairness and transparency before presenting them to you.

  • 50+ lender network
  • Simultaneous submissions
  • Offer vetting & filtering
  • Multiple options presented
4

Review Your Offers

Your advisor presents all qualifying offers with a side-by-side comparison — total cost, factor rate, payment amounts, and terms. We explain everything in plain English, no financial jargon.

You're never pressured. Take the time you need to make the right decision for your business. Declining an offer costs you nothing.

  • Side-by-side comparison
  • Plain-language explanations
  • No expiration pressure
  • Advisor guidance on best fit
5

Sign & Get Funded

Once you've chosen the offer that works best, your advisor handles all coordination with the lender. You'll sign a funding agreement digitally, and funds are deposited directly to your business bank account.

For most MCA and line of credit products, this happens within the same business day. SBA and commercial real estate loans have longer processing windows.

  • Digital signing
  • Same-day funding available
  • Direct bank deposit
  • Ongoing advisor support
FAQ

Common Questions

Will applying hurt my credit score?
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No. Our initial application process only performs a soft credit inquiry, which does not affect your credit score. A hard pull is only initiated with your explicit permission, after you've agreed to move forward with a specific funding offer.
How fast can I actually get funded?
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For Merchant Cash Advances and Lines of Credit, same-day and next-business-day funding is common once your application is approved. Equipment financing typically takes 2–5 business days. SBA loans and commercial real estate deals have longer timelines, typically 30–90 days, due to the nature of the programs.
What do I need to qualify?
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Basic requirements for most products include: at least 6 months in business, $10,000+ in monthly revenue, and an active U.S. business bank account. Credit score requirements vary by product — we have options for all credit profiles, including challenged credit. Apply and let your advisor find the right match.
Is Xclusive Capital Group a direct lender?
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We are a business finance consulting and capital advisory firm, not a direct lender. We work with a network of 50+ vetted lenders and financial institutions to source the most competitive funding for your business. This means you get more options, better rates, and a true advocate in your corner — at no added cost to you.
How much does it cost to apply?
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Applying is completely free. Our fees are paid by the lender when a deal is funded — you never pay us directly for our services. All costs associated with your funding are fully disclosed in your offer documents before you sign anything.
Can I apply if I have bad credit?
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Yes. We work with businesses across all credit profiles. While some products (like SBA loans) have credit requirements, others — including Merchant Cash Advances and invoice factoring — rely more on your business revenue and cash flow than your personal credit score. Apply and let your advisor find what fits.
What documents will I need?
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For most products, you'll need: 3–6 months of business bank statements, a voided business check, and a valid government-issued ID. Some programs may also request tax returns, profit & loss statements, or a business license. Your advisor will walk you through exactly what's needed after reviewing your application.

Ready to Start Your
Application?

5 minutes. No hard credit pull. No obligation. A dedicated advisor will reach out within hours.

Apply Now — It's Free