SPECIFICATION // 3-STAGE OPERATING SEQUENCE

Three deterministic stages from lookup to answer.

We stripped out multi-page loan mazes and vague broker handoffs. Every file at Baylor Advance follows a documented three-step protocol designed for speed, clarity, and applicant control.

FIELD VALIDATION (~120 SEC)

Structured prompts & live directory verification

Select your target funding band ($200 to $5,000 in $50 steps), indicate whether your deposits stem from commercial/1099 activity or salaried employment, and confirm your depository routing number via live ABA lookup.

$200–$5,000 Band 9-Digit ABA Zero Uploads

• 0 HARD PULL BY DESK

Stage 01 Output TLS 1.3

DUAL-TRACK ROUTING (< 5 SEC)

Precision dispatch to calibrated desks

Rather than broadcasting your record indiscriminately, Baylor Advance isolates self-employed operators onto commercial receivables desks and routes salaried W-2 files to independent personal-funding providers.

Track A — Commercial

1099, Sole Prop & LLC

routed

Track B — Personal Desk

W-2 Payroll & Benefits

isolated

Stage 02 Dispatch AES-256

NAMED TERM SHEET REVIEW

Inspect exact figures before you commit

When a provider matches your profile, you see that company’s full legal name, pricing or factor schedule, and repayment cadence upfront. Execute digitally via E-Sign or decline immediately at $0 cost.

• PRE-SIGN TRANSPARENCY

Full counterparty identity & schedule presented prior to digital acceptance.

walk away free

Stage 03 Decision E-SIGN

TRACK SEPARATION // COMMERCIAL VS. SALARIED

Why dual-track routing produces cleaner outcomes.

Traditional intake forms force independent contractors into payroll boxes—or push salaried workers onto commercial forms. Separating tracks at Stage 02 prevents mismatched underwriting.

TRACK A // COMMERCIAL & 1099 OPERATORS

Built for variable operating receipts

Designed for sole proprietors, LLC owners, freight and delivery operators, e-commerce sellers, and independent tradespeople. Underwriting focuses on active depository flow and recurring commercial settlements rather than rigid W-2 paystubs.

TRACK B // SALARIED & W-2 APPLICANTS

Connected to independent personal providers

Because commercial receivables purchases apply strictly to business or self-employed revenue, salaried applicants are routed cleanly to independent third-party lenders whose installment or short-term structures align with recurring payroll dates.

POST-APPROVAL // CLEARING & DISBURSEMENT

What happens after you review an offer.

01 // IF YOU ACCEPT

Direct provider finalization

You complete final disclosures directly with the named provider. Once final verification clears, ACH disbursement typically settles as soon as the next business day depending on bank cutoff windows.

02 // IF YOU DECLINE

Immediate closure, zero penalty

If the proposed factor, rate, or schedule does not fit your budget, simply close the window. You owe zero desk fees and carry zero obligation to proceed.

03 // IF YOU RETURN LATER

2-step file lookup

Returning users can pull up their verified index on our Saved File Desk with just an email address and surname.

Locate Saved File -> Read the Desk’s Six Rules