Is Baylor Advance a direct bank or a routing desk?+
Baylor Advance Desk LLC operates a structured verification and provider-routing desk rather than acting as a consumer bank or direct loan issuer. Self-employed and business profiles route to commercial working-capital underwriters, while salaried W-2 profiles connect with independent personal-funding providers. Every matched provider is named before you sign any contract.
Will locating or routing my saved file lower my credit score?+
Querying or routing a file on Baylor Advance triggers zero hard consumer credit inquiry by our desk. Independent providers in our routing network may utilize soft checks, deposit telemetry, or specialty bureau data to present options, and will disclose any formal bureau pull before finalizing an agreement with you.
What funding amounts can I request through the desk?+
Our Saved File Desk supports requests from $200 to $5,000 in exact $50 increments. Approved amounts depend on deposit consistency, state rules, and the matched provider’s underwriting criteria.
How fast do funds settle if I accept a matched provider’s offer?+
Once you review and e-sign an agreement directly with a matched provider and complete any final verification prior to daily ACH cutoff, disbursement commonly clears as soon as the next business day. Weekends, federal bank holidays, and individual bank posting rules affect exact arrival times.
Does Baylor Advance charge any fee to use this platform?+
Never. Looking up a saved returning file and reviewing matched term sheets are 100% free. If we connect your file with an independent provider, that provider may compensate Baylor Advance—never out of an upfront fee billed to you.
Am I obligated to accept an offer if a provider matches my file?+
No. Inspecting a term sheet carries zero obligation. If the factor, APR, fee structure, or repayment schedule does not meet your standards, simply close the session without signing.
How does the Saved File Desk (/login) work?+
If you previously registered with Baylor Advance or an affiliated verification channel, visit the Saved File Desk, enter your email and last name, adjust your requested amount ($200–$5,000), review the expandable E-Sign disclosures, and route in one step.
How do I opt out of promotional email communications?+
Submit your email address on our Email Opt-Out page for immediate suppression, or contact our Wilmington support desk at [email protected].