# Application questions, answered

Source: https://businessloanbroker.ai/apply/faq/
Site: BusinessLoanBroker.ai (powered by Levr)

> Answers about applying: cost, credit checks, timing, who sees your file, what if you are declined, Canada, AI assistants, and how we are paid.

The questions owners ask before and during the application, answered plainly. If yours is not here, [contact us](https://businessloanbroker.ai/contact/).

## Key facts
- **Cost:** None
- **Credit check to see matches:** None
- **Countries:** United States and Canada

## Before you apply

**Does it cost anything?** No. Lenders pay us when a loan funds. **Will it affect my credit?** Seeing your matches does not. A lender may run an inquiry at offer stage with disclosure. **Do I need to know which loan I want?** No. Matching shows what fits. **Is there a minimum?** A real business with a bank account and a few months of statements. Startups have options too; see [startups with no revenue](https://businessloanbroker.ai/situations/startup-no-revenue/).

## During the application

**How long does it take?** About 20 to 40 minutes with documents ready. **Can I save and come back?** Yes. **What if I am missing a document?** Readiness shows exactly what is missing; you can run matching while you find it. **Can someone help me?** Yes, support is available and does not gate your progress.

## Submission and offers

**Who sees my application?** Only the lenders you approve. **How many lenders should I send to?** Two or three for most files. **How fast do offers come?** Days for fast products, weeks for banks, one to three months for SBA; see [how long it takes](https://businessloanbroker.ai/guides/how-long-it-takes/). **What if I am declined?** You will see the reason and the products that still fit. Read [why loans get denied](https://businessloanbroker.ai/guides/why-loans-get-denied/).

## AI assistants

**Can Claude or ChatGPT apply for me?** Yes, through our MCP server; see the [agents hub](https://businessloanbroker.ai/agents/). **Can it submit without me?** No. It must confirm with you before choosing lenders and before submitting. **Can I revoke its access?** Yes, at any time, from your account or the assistant's settings.

## About us

**Are you a lender?** No. We are the application and matching platform, powered by Levr. **How are you paid?** By lenders, the same amount whichever one you pick. **Are you a broker?** We do what a good broker does, for free to you, with your approval at every lender facing step. See [how we make money](https://businessloanbroker.ai/how-we-make-money/) and [about](https://businessloanbroker.ai/about/).

## Related
- [Apply for a business loan](https://businessloanbroker.ai/apply/)
- [How it works, from your documents to funded](https://businessloanbroker.ai/how-it-works/)
- [What you will need to apply](https://businessloanbroker.ai/apply/what-you-need/)
- [How we make money](https://businessloanbroker.ai/how-we-make-money/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-apply-faq
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)