Submitted the web form, got a call the same hour, then uploaded bank statements and our EIN. They walked me through an MCA option, spelled out the daily remits, and we signed digitally. Funds hit quickly, which kept payroll on schedule. The rate isn’t small, but the rep was transparent and sent a breakdown so I knew the total obligation. For a short term cash gap, it worked. Next time I’ll compare a line of credit too.