Four minutes. Three statements. One offer.
Apply for distributor funding in about four minutes. You need an application and your three most recent months of business bank statements — plus your A/R aging if you want factoring quoted. No minimum FICO for working capital or factoring, $15,000 a month in deposits, 6 months in business. Offer in about four business hours, funded in 24.
Submitting the application does not affect your credit.
One application covers all five.
Every button below opens the same four-minute application. If you’re not sure whether to fund the buy side, the sell side or both, start anywhere — the underwriter will place the file.
What you need, exactly
- A four-minute application: legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of SSN, monthly revenue, time in business, amount requested, and what it’s for.
- Your three most recent months of business bank statements as PDFs — four months if your business is seasonal. Downloaded from your bank, not screenshots.
- If you want factoring quoted: your A/R aging and two or three sample invoices with proof of delivery. This is how we underwrite your customers’ credit instead of yours.
- That’s it. No tax returns under $500,000. No business plan. No collateral for working capital. No minimum credit score for working capital or factoring.
What happens after you submit
- Within about 4 business hours on a weekday, an underwriter reads your file and we come back with an amount, a total payback, a payment and a schedule — or a decline with the actual reason.
- If you take the offer, you sign a two-page contract.
- A clean file signed before 11:00 AM ET generally funds the same business day. Otherwise, next.
We will call you. We don’t run automated email sequences, so put a number on the application you actually answer.
Does applying affect my credit?
Submitting the application does not affect your credit. We review your business bank statements first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
Your information
Your full SSN and EIN are stored encrypted and are never displayed back on any screen, included in any email, or used in any AI system. Display surfaces show the last four digits only. See the privacy policy.
What a distributor needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital or factoring. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your business is seasonal. Factoring adds your A/R aging and sample invoices. |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No split funding. No holdback percentage. No lockbox. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Receivables on terms | Factorable. Net-30 to net-90 invoices owed by grocery chains, convenience stores, food-service operators, institutions and other business accounts. Up to 90% advanced. |
| Supplier deposits, containers & duty | Approved uses. Purchase orders, supplier deposits, landed cost, customs duty and freight are what working capital and a line of credit are for here. |
| Business types approved | Broadline and specialty food-service distributors, produce, meat and seafood wholesalers, beverage distributors, importers and container buyers, grocery and convenience wholesalers, cash-and-carry warehouses, packaging and disposables suppliers, frozen and cold-chain distributors, DSD route distributors, smallwares dealers, industrial and MRO wholesalers, building-materials supply, e-commerce and marketplace wholesalers, apparel and general-merchandise wholesalers. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A warehouse you own. A minimum SKU count or customer count. Domestic-only sourcing. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Which one are you applying for?
| Product | Amount | Term | Speed | Min FICO | Min time in business | Min monthly deposits | Who underwrites |
|---|---|---|---|---|---|---|---|
| Working capital advance | $10K – $2M | 3–18 months | 24 hours | None | 6 months | $15,000 | Dockdoor, in-house |
| Line of credit | $25K – $500K | Revolving, 6–24 month draws | 1–3 business days | 600 | 12 months | $25,000 | Dockdoor, in-house |
| Invoice factoring | Up to $5M facility | Per invoice, 30–90 days | 3–5 days to open, 24 hours per invoice after | None | 6 months | $15,000 | Dockdoor, in-house |
| Term loan | $50K – $5M | 6–60 months | 3–7 business days | 650 | 24 months | $40,000 | Dockdoor in-house to $500K; bank partners above |
| SBA 7(a) / SBA Express | $50K – $5M | Up to 10 years working capital, 25 years real estate | SBA Express 10–21 days; 7(a) 30–45 days | 680 | 24 months | — | SBA-preferred bank partners, packaged by Dockdoor |
Working capital, lines of credit and factoring are underwritten and funded in-house. SBA 7(a), SBA Express and term loans above $500,000 are packaged by Dockdoor and placed with bank and SBA-preferred lending partners. See disclosures.
Before you click.
How long does the application take?
About four minutes. You need your legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of your SSN, monthly revenue, time in business, the amount you want, and what it is for.
What documents do I need to apply for distributor funding?
An application plus your three most recent months of business bank statements as PDFs — four months if your business is seasonal. Downloaded from your bank, not screenshots. For factoring, add your A/R aging and a few sample invoices with proof of delivery. No tax returns under $500,000, no business plan, and no collateral for working capital.
Does applying affect my credit?
No. Submitting the application does not affect your credit. Dockdoor Capital reviews your business bank statements first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
What happens after I submit?
Within about 4 business hours on a weekday an underwriter reads your file and comes back with an amount, a total payback, a payment and a schedule — or a decline with the actual reason. If you take the offer you sign a two-page contract. A clean file signed before 11:00 AM ET generally funds the same business day.
Will you email me updates?
No. Dockdoor Capital does not run automated email sequences. We will call you, so put a number on the application that you actually answer.
How is my SSN and EIN handled?
Your full SSN and EIN are stored encrypted in a dedicated secrets vault, are never displayed back on any screen, never written into logs or email, and never placed into any AI or large-language-model system. Display surfaces show the last four digits only. See the privacy policy.
Four minutes. Three statements. One offer.
No minimum FICO for working capital or factoring. $15,000 a month in deposits. Six months in business. All 50 states.