How It Works
From application to funded, in four steps.
No portals to chase, no committee to wait on, and no guessing which product you should have asked for. Here is exactly what happens from the moment you apply.
No hard credit pull to apply • About 5 minutes • Funds in as little as 24 hours*
The process, step by step
Apply online in about five minutes
A short application plus a few months of business bank statements. There is no hard credit pull to apply, so exploring your options costs you nothing on your credit report. You do not need to know which program you want — one application covers all of them.
Talk it through with your advisor
A dedicated Business Funding Advisor reviews your business and calls you. This is a conversation, not a pitch: what the capital is for, how your cash flow moves through the year, and which structures genuinely fit. If a program is wrong for you, you will hear that too.
Review your offer
You see the amount, the term, the payment and the total cost before you commit to anything. Ask what a slow month looks like against the payment — a good advisor will already have run it.
Sign and access your funds
Sign electronically and funds can be available in as little as 24 hours.* From there the relationship stays inside Coast — which is the point where most funding relationships go quiet and ours does not.
What you will need
Nothing exotic, and nothing that takes a week to assemble.
- Basic business details — legal name, entity type, time in business
- Three months of business bank statements
- Your estimated annual revenue
- What you plan to use the capital for
- A government-issued ID for identity verification
Do You Qualify?
These are floors, not guarantees. Approval, amount and terms depend on underwriting — and meeting the minimums does not by itself mean a program is right for your business.
What happens after you are funded
This is where Coast is deliberately different. You are not handed to a servicing queue or a third-party servicer. Your Business Funding Advisor owns everything through closing; after funding, a dedicated Client Relationship Manager becomes your point of contact for payments, questions and renewal, and your advisor stays available as a resource. The relationship stays inside Coast either way — including on programs funded through one of our partners. Our programs are designed to be renewable, which only works if someone who knows your business is still there afterwards.
Frequently Asked Questions
How long does the whole process take?
Most applications take about five minutes. Decisions on our faster programs can come in as little as 24 hours, and Swell can return a decision in as little as 15 minutes. SBA loans are the exception and typically take 60 to 90 days, because the government-backed process involves more documentation.
Will applying affect my credit score?
There is no hard credit pull to apply. We perform a soft credit inquiry to understand your profile, which does not affect your score. A hard inquiry applies only to certain traditional products — larger equipment deals and SBA loans — and then only with your consent, after an approval you have chosen to move forward with.
Do I need collateral?
It depends on the program. Equipment financing is secured by the equipment being purchased, and SBA loans are asset-backed. Lines of credit and working capital programs are generally not secured by specific collateral, though a personal guarantee is typically required.
What if my business does not qualify right now?
Your advisor will tell you plainly, explain which threshold you did not meet, and where useful, what would change the answer — a few more months of operating history, or stronger deposit consistency. We would rather give you an honest no than a structure that hurts your business.
Why do you need my bank statements?
Bank statements show how revenue actually moves through your business — timing, seasonality, and consistency. That is a far better basis for structuring capital responsibly than a credit score alone, and it is why we can often say yes where a bank cannot.
Ready to see your options?
Apply in about five minutes. No hard credit pull, and no obligation to accept anything you are shown.
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.