StartStep 1 of 5

Let's get you approved.

This takes about 10 minutes. Your progress saves automatically, and most complete applications hear back the same day.

We'll send you a magic link so you can pick this up on any device — no password.
Bank-grade encryptionRead-only connectionsNothing affects your credit

About your business

Just the basics — we'll verify the details automatically so you don't have to dig up paperwork.

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Connect your accounts

This is the biggest shortcut in the whole process. Every connection is read-only, you can revoke anytime, and it replaces document uploads — connected applications get decided up to 2× faster.

Payments & sales — proves your revenue and dispute history
Bank accounts — verifies cash flow, replaces statement uploads
Store & marketplaces — shows what you actually sell
Accounting — financial health, no PDFs needed
Shipping & fulfillment — delivery proof protects you in disputes
🔒 How we treat your data: read-only access through official APIs (we can never move money or change anything), encrypted in transit and at rest, used only for this underwriting decision, and revocable by you at any time.
You can skip any of these — we'll ask for documents instead, which usually takes longer.
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Almost there

A couple of documents — anything your connections already cover is marked done.

Tap to upload or take a photo
Tap to upload
Tap to upload
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Review & submit

Here's what we'll send to underwriting.

Business
Website
Type · volume
Connected accounts0
Documents0 uploaded
Estimated review time
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You're in the queue 🎉

Track your application here anytime — we'll also email you at every step.

  • Application received
    Just now
  • Automated checks running
    Identity, business registry, and website checks — usually minutes.
  • Underwriter review
    Your connections gave us a head start — most decisions land the same day.
  • Decision
    You'll get an email the moment it's ready.
💡 Need to add something? Reply to any of our emails or connect more accounts — your application updates automatically.
Applications are decided by licensed underwriters with AI assistance — never by a machine alone. · Powered by Keel