// V1 Speed page — "Faster than the bank" // ───────────────────────────────────────────────────────────────────────── // The deep dive behind the home bento card "Faster than the bank — ranged // offers in minutes, soft pull, no callbacks." Where the bank makes you wait // weeks on a committee, Delt underwrites live off your deposits and returns a // real range in minutes, then wires inside 24 hours. // // Visual language matches the rest of V1: dark hero band with ambient indigo // blooms, mono eyebrows, oversized display type, indigo accents, restrained // scroll-revealed mocks. Reuses the global V1 token object + motion helpers // (useV1Mounted, useV1InView, V1LineMask, V1CountUp, V1Eyebrow). // ───────────────────────────────────────────────────────────────────────── const { useState: spUseState, useEffect: spUseEffect, useRef: spUseRef } = React; // ─── Tiny inline icon set ─────────────────────────────────── function SpIcon({ name, size = 16 }) { const p = { width: size, height: size, viewBox: '0 0 16 16', fill: 'none', stroke: 'currentColor', strokeWidth: 1.6, strokeLinecap: 'round', strokeLinejoin: 'round' }; if (name === 'bolt') return ; if (name === 'clock') return ; if (name === 'shield') return ; if (name === 'phone') return ; if (name === 'wire') return ; if (name === 'check') return ; if (name === 'arr') return ; if (name === 'x') return ; if (name === 'eye') return ; return null; } // ─── Hero — mask-reveal title, ambient bloom, live-approval gauge ─ function SpHero({ onApply, onCalc }) { const mounted = useV1Mounted(60); const enter = (delay) => ({ opacity: mounted ? 1 : 0, transform: mounted ? 'translateY(0)' : 'translateY(10px)', transition: `opacity 720ms cubic-bezier(0.22, 1, 0.36, 1) ${delay}ms, transform 720ms cubic-bezier(0.22, 1, 0.36, 1) ${delay}ms`, }); return (
Vol. IX · Speed
Minutes, not months

Faster than the{' '} bank.

A bank routes you through a loan officer, a committee, and a stack of paperwork — then makes you wait weeks for a maybe. We underwrite live off your deposits and hand back a{' '} real, ranged offer in minutes. Soft pull, no callbacks, wire inside 24 hours.

{/* Right — live approval gauge card */}
); } // ─── Live approval gauge — counts up to a soft-pull decision ───── function SpApprovalCard({ active }) { const [phase, setPhase] = spUseState('idle'); // idle → reading → ranged spUseEffect(() => { if (!active) return; const t1 = setTimeout(() => setPhase('reading'), 500); const t2 = setTimeout(() => setPhase('ranged'), 2200); return () => { clearTimeout(t1); clearTimeout(t2); }; }, [active]); const ranged = phase === 'ranged'; return (
Approval · live Soft pull
{/* Gauge */}
{active ? : '0'}
{phase === 'idle' ? 'Awaiting link' : phase === 'reading' ? 'Reading deposits…' : 'Approval score'}
Your ranged offer
{ranged ? '$85K – $110K' : '· · ·'}
{/* Checklist */}
{['Deposits verified', 'Ownership matched', 'Offer ranged'].map((c, i) => (
{c}
))}
); } // ─── Side-by-side timeline: bank vs Delt ───────────────────────── function SpTimeline() { const [ref, inView] = useV1InView(0.2, '0px 0px -10% 0px'); const bank = [ { t: 'Day 1', d: 'Book a branch appointment. Print the application packet.' }, { t: 'Week 1', d: 'Hand over tax returns, P&L, balance sheet, projections.' }, { t: 'Week 2–3', d: 'Loan officer requests “just one more document.” Twice.' }, { t: 'Week 4–6', d: 'File sits with a credit committee that meets weekly.' }, { t: 'Week 6+', d: 'A maybe — often with a covenant and a personal guarantee.' }, ]; const delt = [ { t: 'Minute 0', d: 'Three fields on the calculator. Revenue, time in business, processor.' }, { t: 'Minute 2', d: 'Link your bank read-only via Plaid. No statements to dig up.' }, { t: 'Minute 5', d: 'A soft-pull, deposit-based approval score and a ranged offer.' }, { t: 'Hour 1–4', d: 'A human underwriter confirms the range on your file.' }, { t: 'Hour 24', d: 'Counter-sign and the wire hits your operating account.' }, ]; return (
The difference is the wait

Same business. Same numbers. Six weeks apart.

Here's the identical funding request, run through a bank and through Delt.

{/* Bank */}
The bank ~6 weeks
{bank.map((s, i) => (
{s.t} {s.d}
))}
{/* Delt */}
Delt 24 hours
{delt.map((s, i) => (
{s.t} {s.d}
))}
); } // ─── Why we're faster — 3 pillars ──────────────────────────────── function SpWhy() { const items = [ { icon: 'eye', h: 'We read data, not paperwork.', d: 'A read-only Plaid link shows us 90 days of real deposits in seconds. There is nothing to print, scan, or re-export — the truth is already in your account.' }, { icon: 'shield', h: 'Soft pull, no score damage.', d: 'The estimate never touches your credit. No hard inquiry, no ding, no callback from a loan officer trying to “restructure” the deal.' }, { icon: 'bolt', h: 'One desk, one decision.', d: 'No branch, no broker layer, no committee that meets on Thursdays. Your file goes straight to an underwriter with authority to price and fund it.' }, ]; return (
Why we're faster

Speed isn't a rush job. It's a better process.

{items.map((it) => (

{it.h}

{it.d}

))}
); } // ─── Closing CTA ───────────────────────────────────────────────── function SpCta({ onApply, onCalc }) { return (
Stop waiting on a maybe

Get a real offer before the bank picks up the phone.

Three fields, a soft pull, and a ranged offer in minutes. No callbacks, no committee, no covenants.

); } // ═══════════════════════════════════════════════════════════════ // V1SpeedPage — main exporter // ═══════════════════════════════════════════════════════════════ function V1SpeedPage({ accent, onApply, onCalc }) { return (
); } Object.assign(window, { V1SpeedPage });