From application to funded, in five steps.
The same process applies whether you're applying for angel investment or a business loan — only the reviewer and the terms differ.
Apply
Day 1Complete the application with details on your business, the amount you're seeking, and what the capital is for. It takes about ten minutes, and there's no application fee for either funding path.
- Choose angel investment, a business loan, or "not sure" if you want AIC to advise
- Basic company and financial information — no formal financials required yet
Initial review
Days 2–3A named reviewer — Adaeze's team for equity, David's team for loans — reads the application and decides whether to move to full diligence. You'll hear back either way.
Diligence & founder call
Days 3–7If it's a fit, we'll request supporting documents and schedule a call to walk through the business, the plan, and any open questions.
- Most applicants only need one follow-up call
- You can ask us anything about our terms during this stage — nothing is finalized yet
Offer or term sheet
Days 7–10You'll receive terms in writing — a loan structure and rate, or investment terms and valuation — written in plain language, with room to negotiate before anything is signed.
Funding
Days 10–14Once terms are signed, funds are released on the agreed schedule — typically a lump sum for loans under $250,000, and tranche-based for larger loans or investment rounds.
Ongoing partnership
BeyondLoan clients get a dedicated account contact for the life of the loan. Equity partners get quarterly strategy reviews and ongoing access to AIC's operating and advisory network.
What to have ready.
You don't need all of this on day one — but having it ready speeds up diligence considerably.
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A few things applicants usually ask.
No. Applying is free for both angel investment and business loans, and there's no obligation to accept any offer you receive.
Select "not sure — advise me" on the application. Your reviewer will recommend a path based on your business and explain why before any terms are discussed.
You'll get a clear explanation of why, and where possible, guidance on what would change the answer if you reapply later.
Ready to start the clock?
Most applicants have a decision in hand within ten days.