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Our Process

We don’t believe in long lines or collecting excessive amounts of paperwork like banks, with us applying is easy and getting funded, well, even easier.

What you need to get started

Minimum Qualifications

  • 500+ FICO
  • 3+ months in business
  • $5,000 in monthly revenue

What you need to apply

  • Basic details about you and your business
  • 3 months recent bank statements

1st Step

Submit Your Application

A decision is made with a simple 1 page application, 3 most recent bank statements and a brief conversation with our lending experts. Our lending experts will create an action plan to improve your bottom line, provide financial footing and build a compelling case to lenders.

2nd Step

Analyze Offers

Our lending experts work diligently in matching your financial needs with the best lending product for your business. A process of negotiation is initiated to secure the best option for your business. You will receive a formal offer with the approved amount and conditions of the financial product you were approved for, whether it’s a term loan, merchant cash advance, etc.

2nd Step

Analyze Offers

Our lending experts work diligently in matching your financial needs with the best lending product for your business. A process of negotiation is initiated to secure the best option for your business. You will receive a formal offer with the approved amount and conditions of the financial product you were approved for, whether it’s a term loan, merchant cash advance, etc.

3rd Step

Receive Your Funds

We are ready to deposit the funds! An ACH or wire transfer is processed to your business bank account. Keep in mind our lending experts are always here to help.

VISION, MISSION STATEMENT & VALUES

Bottom Line Access has matched
$200 million+ to small businesses all across America

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Bottom Line Access Guide

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