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Straight answers
Exploring your options does not touch it. We run one soft check only when you ask us to produce final quotes, and nothing goes to a lender without your say-so.
Under 24 hours from quote to funded.
No. We present what the panel will do; you decide which of it you want. You stay in control of every step.
That is the common case, not the awkward one. A decline tells you about one lender's credit policy. The panel is 95+ lenders deep, and they do not all read the same file the same way.
A person. One of 85 expert brokers, who works commercial finance for a living and will tell you when something is not worth doing.