After you apply

Editing your request

You can edit your requested terms until the lender starts reviewing your application. Once review begins, your terms are locked.

Messaging the lender

Each application has one message thread shared by you and the lender. Cyphr AI also adds short notes to the thread when something happens, such as when you share your packet or edit your terms.

Change requests

A lender may ask for changes instead of deciding right away. A change request might:

• Reopen a specific action item. Complete it again and the request resolves on its own.
• Ask a question or request an adjustment in writing, such as a lower amount. Reply in the thread, and the lender marks it resolved.

Decisions

• Funded. The lender has approved and funded your request. The final terms may differ from what you asked for.
• Passed. The lender has declined, with a reason you can read. Use that reason as guidance. A lender can reconsider a passed application later.

Withdrawing

You can withdraw your application at any time. Withdrawing is final, and it ends the lender's access to your business information.

How long a lender can see your information

A lender can see your business information as long as your application is open with them. This includes after a lender passes, so they can reconsider. Withdrawing your application ends their access.

Not hearing back?

Send the lender a message in the application thread. Your platform's team can also see your application and help.