BallastStart a file

About

A brokerage built around the admin.

Commercial finance is a good business with a bad process. The lenders are sophisticated. The paperwork between you and them is not.

Why we exist

Ask any business owner who has raised commercial finance what the worst part was. Almost nobody says the rate. They say being asked for the same bank statements four times, waiting nine days to hear that page three was missing, and never knowing where the application actually stood.

That admin is not a hard problem. It is a boring one, and boring problems stay unsolved for a long time. We automated it and passed the speed on.

How we are paid

The lender pays us on completion. You are told the fee before you sign anything. We do not charge you an application fee, a packaging fee, or a fee for being declined.

What we will not do

  • We do not broker merchant cash advances. The commissions are the reason they get sold, and that conflict is structural rather than personal.
  • We do not submit to a lender without your say-so, and we tell you which lenders credit search and which do not.
  • We do not shop your file around to build a marketing list. Your numbers exist to get you funded.
  • We do not quote a factor rate and let you assume it is an interest rate.

On the word agentic. Software reads your statements, assembles your file and tracks every lender response. A human reviews every file before it goes anywhere, and a human is on the phone when a deal needs pushing. The automation removes the waiting, not the judgement.