Fast and Creative Business Funding

Get up to $500k in working capital with rates as low as 0% interest for up to 18 months.

We help startups, small businesses, and real estate investors in the US secure the best funding they can qualify for, guaranteed. Applying doesn’t affect your credit score, and there’s no obligation to accept the funding.

Affiliate Partnership

Over $200M+ Funded for Small Businesses Across the United States.

Getting capital for your business can be complicated…

Will it work? Will the money come through in time? Will you get what you need? It’s a nerve-wracking experience that can slow you down for months.

Take the guesswork out of funding

Our valuable approach and guidance is available to small business owners and startup entrepreneurs.


Your funding can be obtained in as little as 7 days so you can reach your financing needs quickly.


Senior funding advisor to help you succeed and support you every step of the way.


Data-driven algorithm to strategize your application process for the best results.


Loan marketplace to make lenders compete for you and improve their terms.

Capital for start-ups, small businesses
and entrepreneurs

small business funding with the right timing

Start-up funding

Maximize your funding

Receive more funding than you could anywhere else with our strategic, perfectly-timed application process.

small business loans - great rates blue

Business funding

Get lenders to compete for you

Receive better rates and higher funding amounts than you can anywhere else with our competitive loan marketplace.


How It Works


1. Fill out our brief application about your business needs.


2. Chat with a senior funding advisor to explore options.


3. Choose from every potential funding source.


4. Receive funding in 10 – 21 business days (on average).


The capital you need, when you need it.

One application to get all available options. No upfront costs. No obligation.

Receive up to $500k in funding.

Choose from all of your available options.

Easy application that doesn't affect your credit score.

Expert advisors with a data-driven process.


Video Testimonials

Trustpilot Testimonials

Nikki Fallon
May 24, 2019
Thank you Jackson for all your great help in obtaining much more credit than I anticipated. Fundwise is organized, thorough, knowledgeable and patient. A smooth experience to say the least.


Adam Young
May 20, 2019
I have had nothing short of an amazing experience with Fundwise. I was assigned to a gentleman named Kirk. He was incredibly helpful during the entiry process. It can be a process of a lot of back and fourth or at least in my specific case it was. Kirk was patient with me as I was new to the entire landing process. I now have the funds that I needed and I am 4 weeks in to my own business. Thanks Kirk and Fundwise for allowing me to fulfill my dream!!!


Stephanie Turrentine
Apr 25, 2019
Brant was the Fundwise representative that helped me through the entire process. He was kind, patient, professional and thoroughly explained each step of the program. It was a very easy process, especially knowing I had direct care, help, and guidance along the way.


Genuine Auto Repair
Apr 5, 2019
Response was fast. Mitch called to get the process started. Within days Isaac had the process going and was able to get us funding 2 days later. They were able to get us more funding than we were even looking for. As a start up they worked with our history and finances to get us the best options possible. The process was explained so that by the time we were funded we understood our payment terms and it was EASY! My absolute favorite part about what Fundwise did for us was that it will start to build our business credit which will allow us to start working away from using our personal credit to build our business. In a couple months they said that our payment history would be reevaluated to get us bigger credit lines, larger loans and lower rates. I so very much so look forward to how this process is going to help us grow for our expanding future. Thanks Isaac!


James Aydelott
Mar 2, 2019
Jackson and the entire team made me feel like I was a priority to them. One simple application online and I was soon speaking with Jackson. Within hours I had already received the funding I was seeking and it was already deposited into my account the next morning. Thanks team. Pleasure working with you.


Jason Blitz
Jan 11, 2019
Jackson and the team at Fundwise make the process of acquiring funding seamless and painless. Exceeded my expectations on the amount of funding I was approved for as well as the time it took to accomplish it. This is truly the way to go for getting some extra moola to kickstart your projects or to learn a new skill. Thank you!


Judy Hall
Aug 30, 2018
I want to thank Austin and Jackson for their assistance throughout the funding process. They were very knowledgeable and professional. Jackson explained the process step by step and informed me of the cost upfront. There was no hidden fees. It was painless and simple, with their guidance. Thanks again guys! ~Judy

Frequently Asked Questions

Are startup businesses acceptable?
Of course! The Fundwise process can accommodate all types of businesses.


Does my business have to be organized under a specific entity type?
While it is not mandatory to have an entity created, many banks are more willing to lend to an individual who has put forth the effort to create an LLC or corporation. Another upside of creating an entity is the protection and legitimacy it gives your business.


What are the benefits of acquiring funding?
The benefits of small business or startup funding, as opposed to VC capital or business partnerships, is simple: you own your business outright and you don’t have to share the profits. The top reasons why our clients use Fundwise Capital is to either grow an existing business or to launch a business that will support them and their families for years to come, while freeing them up from the 9 to 5. Many of our clients are able to immediately make a return on the capital they invest in their business. That’s a clear benefit!


Is there any threat or possible adverse consequence to me or my business?
The only major ramifications you or your business may face would come from failure to repay lenders.


What are the differences between startup funding and business funding?
Small business owners qualify for business funding if they have had their business for over 3 months, have established a business entity, and have monthly revenues in excess of $8,000. Business owners who qualify for this type of funding gain access to our marketplace, where lenders compete for their business and offer them their best possible terms. For startup entrepreneurs who don’t qualify, we utilize our proprietary algorithm to help you access the most amount of funding possible, at the best rates.


What are the minimum requirements to obtain funding?
Your credit score is the most influential aspect. For startup funding, your credit partner should at least have a credit score of 650 or above. For business funding, your credit score can be as low as 500.


What if my credit score doesn’t qualify?
No problem! Many of our applicants bring on a credit partner with a 650+ credit score. A credit partner, for example, can be a business partner, friend, family member or investor, etc.


How long does it take to get funding?
Most funding companies take 45 to 90 days attempting to secure capital for their clients. Through Fundwise Capital’s streamlined process, funding can be obtained in 10 to 21 days. In some cases, we can obtain your funding even faster.


How is funding obtained so promptly?
Fundwise Capital’s process is the outcome of extensive bank analysis, legal, consultation, research, and development. Our surplus of knowledge comes from our learned skills to analyze and contrast thousands of applications and the subsequent credit awarded.


Is Fundwise Capital too good to be true?
It may sound like this is too good to be true; but in reality, the outcome of our program isn’t fictitious. It’s just the simple operation of experience, a specialized understanding of this process and a great deal of hard work.


What type of funding will you help me get?
Depending on how long you’ve had your business and your average monthly revenue (if any), we can help you secure small business loans or unsecured lines of credit.


How much funding can you help me get?
We can access funding up to $500k. The amount we can get for you specifically depends on a variety of factors. For small business owners, this amount depends on how long you’ve had your business as well as your average monthly revenue. For startup businesses, the amount depends in part on your credit score and your previous history with lenders. It’s highly likely that we can get you more funding than you need.


How did you build relationships with the top small business lenders?
The old fashioned way! Our senior funding advisors have personal relationships with the top small business lenders. When a client gets denied, we may go out of our way to call up lenders if we feel they should take a second look or make an exception.


How should business owners use the funding?
How you use funding is up to you. Here are some of the more common ways our clients have used their capital in the past: equipment purchases, storefront or real estate purchases, payroll expenses, inventory, and marketing.


Can I just handle all of this on my own?
The short answer is no. Even the best banks for small business startup loans award a very small amount of funding per quarter. If you’re a small business owner trying to get funding on your own, you’re going to have to approach lenders individually and compare the offers. Without the marketplace, they won’t be competing for your business, which means you won’t get the best terms. As a startup, you also can’t handle this on your own, because you won’t be able to obtain the amount of funding that you need, and you will miss out on the best rates. Fundwise Capital can obtain the highest amounts of funding possible, at the lowest rate, often at 0% interest for 15 months or more.


How does your algorithm work?
We’re a data-driven company and we’ve developed a proprietary algorithm to analyze a variety of factors: your credit score, your payment history, your pre-existing relationships (whether positive or negative) with all lenders, what funding sources you already have, real-time market analysis into which lenders are offering higher amounts of funding than usual and better rates. Based on all of these factors, we’re able to produce the following insights: which lenders are likely to lend to you, your approval amounts for every lender (updated daily, not static) how much you are likely to obtain, and the best order to submit applications to maximize your funding amount and lower your rates.


How does your marketplace work?
Our marketplace is accessible to those who qualify for our small business funding. There is no hard inquiry generated on your credit during the application process or the time of funding. We submit applications to all of the lenders who we know (from experience and using our algorithm) to be your best potential fit. Then we watch as they compete for your business. Lenders often change their terms when they see other lenders offering you a better deal. The lender who wants your business the most will offer you the best terms, and get you a deal that can’t be found anywhere else. Apart from the competitiveness driving rates down, lenders offer our clients great terms because we’re known for working with reputable business owners who pay back their loan amounts early or on time.


What type of market data do you analyze? Why does this matter?
We don’t just analyze your business or credit history to procure funding. We also analyze the market in real-time. We know which lenders are bending over backward to meet their quotas, and which ones are being stingy with capital and giving bad rates. We review this information in real-time, and this analysis is a huge part of why we’re able to get you more funding at better rates.


What are the minimum requirements to obtain funding in the name of my business?
The minimum requirements for our business funding are there these: In business 3 months or more, monthly average revenue exceeding $8,000, and a personal credit score of at least 500. If you do not meet the credit score requirement, you can use a credit partner.


Can you help me after I get funding?
We don’t offer business consulting but we can help you make smart decisions on how to spend your funding prudently. At the time of funding, we also help you strategize how much you need and your business plan for paying it back, so you’re putting yourself in an advantageous position and not taking on more risks than necessary.


What makes Fundwise Capital different from other funding source options?
Asking your friends and family puts stress on you and on them. Getting funding directly from your bank is all but impossible. If you can acquire it, it takes too long to receive (you’ll have missed the original opportunity or need). Working alone, you also don’t get good rates because you don’t have the competitive marketplace in your favor. Compared with other companies who help startups and small business owners acquire funding, we’re the only company that offers both types of funding, meaning we can help entrepreneurs get the right type of funding to begin with, instead of putting them in the wrong box or turning them away. There is also no other company that has invested as heavily in data-driven algorithm based funding cycles the way that we have, or a marketplace as large and respected as ours.


Is funding a “one-time” thing?
It can be if you want it to be! Maybe you need funding just once to cover a real estate purchase or a marketing launch. Or maybe you’ll need it every couple of years for an inventory boost or to cover payroll in your off-season. Because we get such great rates for our clients, we do have repeat clients who know they can pay off their loan amount easily and want to use the funds now to strategically grow.

Fast and Simple, Funding.

Applying doesn’t affect your credit score, and there’s no obligation to accept funding.