How it works
One short qualification. A real review. Multiple paths to capital.
Here's exactly how OnKap works — from a two-minute qualification to funded, what we'll ask for, and what we'll never do.
From qualification to funded in four moves.
1
Qualify in two minutes
Answer a few questions about your revenue, credit, time in business, and funding need. No hard credit pull, no long form.
2
Apply in about five minutes
One secure application and your recent business bank statements. It autosaves, so you can finish whenever.
3
We review and match
Your file is analyzed, reviewed by a person, and matched against the criteria of funding providers across our network — not forced into one product.
4
Compare offers and fund
Offers are laid out side by side — proceeds, payment, cost, term — so you choose with clear eyes. Sign electronically and receive funds from the provider.
What we'll ask for
- Annual revenue range
- Estimated credit range
- Time in business
- Requested funding amount and use of funds
- Basic contact and business details
- Recent business bank statements (full application)
What we'll never do
- Run a hard credit inquiry without clear disclosure
- Sell your personal information for money
- Force your file into a single product
- Route a decision through a bot without a human review
- Ask for documents over unsecured email
Ready to see your options?
About two minutes to qualify — no hard credit pull.