Online application process was simple. We were able to apply within minutes of clicking through their website. There is nothing we dislike about using this program. It's quick and easy! If you're looking for some assistance solving your current financings/loans situation - give them a call first. They have been very helpful from start to finish. No issues at all. We are currently working with several financial institutions (banks) and this service has helped us in our decision making process in choosing which one fits best with our needs. I like the ease of use, the fact that you can link your store to multiple accounts, the customer service is top notch! I have no complaints at all. I highly recommend this software. It's so much easier than having to call around to different banks and credit unions every time we need to get a new line of credit. We've been able to increase our business by leaps and bounds since implementing this system.