How it works
From connected
to funded in a day
Here's exactly what happens after you click "Check your rate." No mystery, no phone tree.
The short version
Connect, verify, funded
No paperwork marathons. No hard credit pull to see your terms. Your bank data does the talking.
- 1
Connect your accounts
Link your business bank account securely. Takes about two minutes.
- 2
Get a real decision
We underwrite against your actual cash flow. Most decisions come back the same day.
- 3
Access your funds
Accept your terms and the funds move. Same-day funding on approved deals up to $5M.
Every step
What happens,
and when
- 01
Connect your accounts
2 minutesLink your business bank account through a secure, read-only connection. Add your card processor or accounting software if you want a stronger file. No PDFs, no tax returns to start.
- 02
We verify
MinutesTovah reads 6–24 months of deposits, balances, and obligations. You see your business the way an underwriter does: revenue trend, volatility, existing debt.
- 03
You get a decision
HoursOur underwriting matches your file to the partners whose criteria you meet and returns offers with total cost, payment schedule, and effective annualized cost. No hard credit pull yet.
- 04
You choose
Your paceCompare offers side by side. Ask your advisor anything. Sign electronically when you're ready. This is the only point where a partner may run a hard inquiry, and we tell you first.
- 05
You're funded
Same dayOn approved deals, funds are sent the same business day you sign. Track remittances, request renewals, or add a product from your dashboard.
Underwriting
What underwriting actually sees
What matters less than you think
- Personal credit score
- Collateral
- A business plan
- Your accountant's availability
What matters most
- Monthly deposits
- Deposit consistency
- Time in business
- Current obligations
- Average daily balance
- Industry
What you'll never get
Things that don't happen here
- A lead form that sells your info
- Ten brokers calling from different numbers
- A "pre-approval" that changes at closing
- Terms hidden in a factor rate
Requirements
What you need
- 6+ months in business (some partners require 12)
- $10,000+ average monthly revenue
- A US business bank account
- Owner ID for verification
That's it to see offers. Some partners request additional documents for larger deals.
FAQ
Questions, answered plainly
Is Tovah a lender?
No. Tovah is the platform. We connect to your accounts, underwrite your business, and present offers from our lending partners. The partner funds; your relationship and your file stay with Tovah.
Will checking my rate hurt my credit?
No. Seeing your terms requires no hard credit pull. A partner may run a hard inquiry only after you accept an offer, and we tell you first.
How fast is it, really?
Connecting accounts takes about two minutes. Most decisions come back the same day. Approved deals typically fund within hours of signing.
Do you sell my application to other lenders?
Never. Your file is underwritten by Tovah and shown only to the partner that funds it. No lead lists, no broker calls, no resale.
What do I need to qualify?
Typically 6+ months in business, $10K+ in monthly revenue, and a business bank account we can connect to. Terms vary by product and partner.
How much can I get?
$10,000 to $5,000,000, depending on revenue, product, and partner.
What does it cost?
Terms are priced on your actual revenue and shown in plain numbers before you sign: total payback, payment schedule, and effective cost. See our rates page for how pricing works.
Can I pay early?
Depends on the product. Term loans can be prepaid. Some advances offer a discount for early payoff. It's stated in your offer.
Get funded today
Connect your accounts and see your real offers in minutes. Up to $5 million, funded the same day.