How It Works

How It Works

At Yes Lender, we work tirelessly to find creative ways to help our clients receive the funding they need. We do this by purchasing a portion of your business’s future sales. It allows you, the business owner, to take advantage of an asset that has yet to be generated by providing you with immediate funds.

Our application process is simple and straightforward. After receiving your application, our underwriting team gets to work and provides you with a timely answer. We base our decision to fund or not to fund on the overall health of your business. Yes, we do credit checks, but more importantly, much of the decisioning comes down to our assessment of the integrity of the business owner. We are BIG on communication as we seek applicants who share this view.

Below is information on the process of applying, getting approved, receiving funding, and paying for your cash advance.

Applying for Funding

Applying starts by either calling our funding specialists at 888-937-5363 or completing the application. No need to provide your tax returns or financial statements. In general, we require the last four months bank statements along with some basic information on the applicant and business along with the funding amount that you are requesting.

Getting Your Funding Request Approved

Once we receive your application, one of our funding specialists will contact you. During this conversation, we’ll ask some questions to help us better understand your business, the requested amount of funding and how our business capital will help meet your needs.
Again, we want to enter in to a long-term relationship with you and your business. The more we know and understand about your business the more value we can provide.

Below are some of the criteria we consider when evaluating funding applications:

  • Length of time in business (9 months minimum requirement)
  • Monthly revenue ($10,000 per month minimum requirement)
  • Minimal to zero negative bank balance days over the last four months
  • A history of honoring obligations
  • An owner who is passionate about their business

Want more information? See Do I Qualify?

Receiving Yes Lender Funding

Once you are approved for a cash advance against your future receivables, we will present an offer to you with the lump-sum funding amount and terms. When you accept the offer, Yes Lender will wire the funds directly to your bank account on the day you accept.

Paying for your Cash Advance

Payment is made via a daily or weekly ACH debit from your business checking account or through a credit card split program, whichever works best for you. Your funding specialist will work with you to determine what payment arrangement fits best for your business.

If you have more questions and want to speak to a funding specialist, contact us at: 888-937-5363 (888-YES-LEND) or