The full application takes about fifteen minutes, and you can stop and finish later anytime. It goes straight to Ken — not a call center — and you'll hear back the same day with a real read on your scenario.
None of it is required to start — you can save and add it as you go. Having it nearby just makes the fifteen minutes smoother.
Address, rough value, and whether it's a purchase or a refinance.
Bank statements, a P&L, lease/rent figures, or assets — whatever fits your file.
Loan amount you're after, and a ballpark on credit. Estimates are fine.
Fifteen minutes, fully secure, on your own time. Stop and resume whenever.
It lands with Ken directly. You get a real answer on the scenario, fast — and if it's a no, you get the reason.
A fit comes back as a term sheet you can actually work with — rate, payment, and structure laid out.