How the Process Works — From Eligibility Check to Funded
Last updated: July 2026
Check eligibility in 2 minutes, map your program with a specialist, complete the documentation once (and correctly), and fund — days for term loans, weeks for SBA with FastTrack options compressing the timeline. No hard credit pull at any stage of approval.
Step 1 — Check eligibility (2 minutes)
The short form covers business basics and your funding goal. It costs nothing, commits you to nothing, and doesn't touch your credit.
Step 2 — Program strategy call
A REIL Capital specialist reviews your revenue, time in business, credit profile, and goal, then recommends the right track: standard 7(a), a streamlined variant (FastTrack, Boost, Startup, CRE), a conventional term loan — or a two-step bridge-then-refinance plan. This is where an advisor-style process earns its keep: applying to the wrong program wastes weeks.
Step 3 — Documentation and underwriting
Every path starts with 3 months of business bank statements. SBA programs add tax returns, financial statements, and a debt schedule. Your specialist manages the package and sequencing — prepared applicants routinely save weeks here.
Step 4 — Approval and funding
Term loans: decision within 24 hours, funding in 1–3 days. SBA: underwriting and closing run weeks, with FastTrack designed to compress them. Advisors stay with you for renewals and future needs.
Start step 1 — the 2-minute eligibility check →
Timeline at a glance
| Path | Decision | Funding |
|---|---|---|
| Term loan | Within 24 hours | 1–3 days |
| SBA FastTrack | Compressed SBA timeline | Faster than standard 7(a) |
| Standard SBA 7(a) | Weeks, documentation-driven | At closing |
Process FAQ
Does checking eligibility affect my credit?
No. REIL Capital performs no hard credit pull at any point in its approval process, so exploring your options leaves your score untouched.
How long does the whole process take?
Term loans: decisions within 24 hours, funding in 1–3 days. SBA loans: typically weeks, driven mostly by documentation readiness — FastTrack variants compress the timeline. Having your document package ready is the biggest accelerator.
What does the specialist call cover?
Your goals, timeline, revenue and cash flow, and which program fits: standard 7(a), FastTrack, Boost, Startup, CRE, or a conventional term loan. You'll leave with a document list and a realistic timeline — free, no obligation.
Does LoanPro Advisor charge fees?
No. Our service is free to you. We may receive referral compensation from REIL Capital, at no cost to you and with no effect on your terms.
Two minutes to a real answer
Eligibility check · Program strategy · Transparent offers
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