Capital matches and applying

What a match means

A capital match is a loan program you qualify for. It isn't a recommendation. It means your business meets every requirement that program lists.

Each program lists its requirements as action items. When every required item is complete, the program appears in Capital Matches. Cyphr AI automatically marks requirements you already meet, so you only work on what's missing. Optional items are coaching and never stop you from matching.

Viewing a program

Open a program to see:

• The type of financing
• The amount range, rate, and term
• Whether you're currently eligible
• The full list of requirements

If you complete a requirement from this screen, your eligibility updates right away.

Applying

To apply, you share a packet with the lender. You'll provide:

Field	Notes
Amount requested	Must be within the program's minimum and maximum
Term	Must be within the program's term range. Revolving products, such as lines of credit, don't ask for a term.
Use of funds	What the money will pay for. Write it in plain language, because the lender reads this first.

Before you share, you'll see a review screen with your business information, your completed action items, and a summary of your requested terms.

What the lender receives

Sharing a packet doesn't send a one-time document. It gives the lender a live view of your current business information, your profit and loss, your assessment answers, and your action items. When you update something, the lender sees the update without you resubmitting.

You can have one active application per program. You can apply to different programs at any time.

Related articles

• After you apply
• What lenders can see about your business