I applied on a Tuesday morning. By Wednesday afternoon I had a term sheet. No bank has ever moved that fast for me.
Marcus Tello
Real-time underwriting for established SMBs
Working capital approved in hours, not weeks.
Borrowrig connects directly to your accounting and banking data to make a real underwriting decision — no mountains of paperwork, no weeks of silence.
No credit score required
Decision in hours
$50K–$500K lines
The problem
Traditional lenders don't understand your business.
Banks look backward — 2 years of tax returns, collateral requirements, 30–60 day decisions. By the time you hear back, the opportunity is gone. Borrowrig ingests your live QuickBooks and bank transaction data to build a cash flow picture of your business today — not a two-year-old tax snapshot.
Traditional bank
30–60 day decision
Required documents
2 yrs tax returns, collateral
Credit evaluation
FICO score + backward data
Borrowrig
~4 hour decision
Required connection
QuickBooks or bank (5 min)
Credit evaluation
Live cash flow + revenue data
Three steps. Hours, not weeks.
From application to offer — here's what the process looks like.
1
Connect your data
Link QuickBooks (or other accounting software) and your business bank account. Read-only access. Takes 5 minutes.
2
We underwrite in real time
Our underwriting model analyzes 12–24 months of revenue patterns, cash flow cycles, and bank account behavior to build a live credit picture — no manual review required.
3
Receive your offer
Get a firm working capital line offer — typically $50K–$500K — within hours of connecting. No phone calls required.
What SMB founders say.
We'd been trying to get a bank line for six months. Borrowrig read our QuickBooks and came back in under a day. That was our turning point.
Priya Nair
The transparency surprised me most. I could see exactly what data they were looking at. No black box.
Jerome Whitfield
Your next draw could close in hours.
Connect your accounting data. Get a firm line offer — no phone calls, no weeks of silence.