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Lending Warehouse is not a lender nor provides actual loans or loan-related advice and only offers easy online application services for borrowers by submitting the borrower’s information to independent and third-party lenders. Lending Warehouse makes no credit decisions, and there are no application fees. An actual loan from a third-party lender is subject to approval based on its terms and conditions, which are determined through a separate evaluation process. Various third-party lenders have different advance terms, conditions, and policies. Depending on the third-party lender or your financial institution, the time it takes for funds to transfer and be issued varies. Also, advance repayment terms change depending on business factors such as period of operation, type of industry, and cash flows.