Get funded, same-day.

We went around our broker and looked for a direct lender in search of a cheaper rate, and ended up saving $10k.

Mike B.
MB

Mike B.

Rocket Alterations LLC

We got funded in 48 hours, the whole process was transparent and straightforward.

Maya P.
MP

Maya P.

Artisan Bakery Co.

Funded experts' rates beat our bank by nearly 2%. They understood our business was seasonal and took that into account when drafting terms.

Jordan R.
JR

Jordan R.

Premium Home Services

The process to funding was based off my revenue and cash flow, I was able to get approved even with a low credit score.

Kim T.
KT

Kim T.

Tech Logistics Inc.

We did a meeting with Matthew and he actually helped build a plan to make sure we wouldn't be overleveraged. We ended up paying off our loan early and got a discount, 10/10 service.

Ravi B.
RB

Ravi B.

Northwest Contracting

No prepayment penalties, flexible terms, and they closed in under 5 days. This is how lending should work.

Sara N.
SN

Sara N.

Elite Staffing Solutions

Applied on a Tuesday, funded by Thursday. Couldn't believe how fast it moved.

Derek L.
DL

Derek L.

Summit Roofing Co.

They actually read my financials and came back with a real offer, not some algorithm-generated lowball.

Angela C.
AC

Angela C.

Bright Line Marketing

Straightforward process, no surprises at closing. Exactly what a small business owner needs.

Tom W.
TW

Tom W.

Westside Auto Repair

We'd been turned down twice by traditional banks. Funded Experts got us approved and funded in days.

Priya G.
PG

Priya G.

Lotus Wellness Studio

The terms were clear from day one. No hidden fees, no runaround. Exactly what they said it would be.

James M.
JM

James M.

Harbor View Landscaping

Our cash flow had a slow season but they still made it work. Very flexible and understanding team.

Carmen L.
CL

Carmen L.

Coastal Event Rentals

Why trust Funded Experts?

Serving Small Business

13+ years

2025 Deal Flow

$16M in volume

Funded with us

4,000+ businesses

Clients declined by a bank

9 out of 10 got funded

Return for a 2nd round

Over 60% of clients

Average client savings

$8,400 vs. broker rates

How much can I qualify for?

Monthly revenue

$

Credit score

Industry

Time in business

Business type

Funding Resources

What Going Through a Broker Actually Costs You

broker

What Going Through a Broker Actually Costs You

Brokers serve a purpose — but when you're trying to minimize what you pay for capital, going direct usually wins.

Ivan Malitskyy
IM

Ivan Malitskyy

Apr 2, 2026

Why Your Bank Keeps Saying No (And What Actually Gets You Approved)

banks

Why Your Bank Keeps Saying No (And What Actually Gets You Approved)

Banks turn down good businesses every day. Here's what they're looking at — and what we look at instead.

Nicholas Saverin
NS

Nicholas Saverin

Mar 5, 2026

MCA vs. Term Loan: Which One Is Right for Your Business?

mca

MCA vs. Term Loan: Which One Is Right for Your Business?

Two of the most common funding products, compared honestly — so you can choose the right one.

Funded Experts Underwriting Team
FE

Funded Experts Underwriting Team

Feb 18, 2026

How to Prepare for Business Funding

funding

How to Prepare for Business Funding

How to make sure you only get what you use, and use as much as you get.

Nicholas Saverin
NS

Nicholas Saverin

Feb 11, 2026

FAQs

We offer term loans, lines of credit, merchant cash advances, invoice financing, equipment financing, consolidations, and cash credit loans. See All financing types.
Eligibility depends on time in business, monthly revenue, credit profile, and overall cash flow. We also factor in the industry, bank activity, and debt load. Want one of our underwriters to provide you with a personalized plan? Check here, no commitment.
We require at least four months of business bank statements. If you already have positions, we ask for open balances or payoff letters.
Time from bank statements to funding can take as little as one hour, though we see an average of 24 hours from start to finish.
That depends on revenue, cash flow, credit strength, and the type of financing. Smaller short-term products may be based on daily or weekly receivables, while term loans may scale with business performance. Our maximum funding amount is $5,000,000.
Our pricing is built to stay lean and predictable. In addition to low rates, we keep fees simple with modest one-time origination charges, and no hidden surprise. Rates can go as low as prime + 1.75% for lines of credit, 12% for MCAs, and 6% for term loans.
We actually offer discounts if you pay off early! For term loans, MCAs, and consolidations, a payoff within 30 days offers a 12% discount, 60 days means an 8% discount, and 90 days offers a 5% discount.
Repayments may be daily, weekly, biweekly, or monthly, often at fixed amounts. Some products are automatically debited from your business bank account. The repayment cadence and structure are specific to your circumstances.
Working capital uses such as payroll, inventory, marketing, equipment, expansion, debt consolidation, and many more uses are encouraged, and the use of funds is at the discretion of the owner for most any purpose.
For unsecured or smaller-business products, we take a holistic look at your business and financial profile before making a decision. A personal guarantee may be required, which means the owner could be personally responsible if the business is unable to repay. Whether it applies depends on the product, the funding amount, and the overall risk profile.
Yes, we review credit via soft pulls. We place much more weight on cash flow than credit, but an obviously alarming credit profile signals risk.
We prefer established businesses with a track record of revenue. Startups are usually harder to qualify for because there is less operating history to underwrite.
We consider and encourage repeat funding, renewals, or refinances if the business has performed well. The timing and terms continuously improve as we are able to build rapport with you, and reserve repeat offers for existing customers.
Possible outcomes include late fees, default charges, collections, or a draw on a personal guarantee. We prioritize figuring out a temporary arrangement, as we understand the success of your business helps both of us grow.