---
title: "About Us | Funded Experts"
description: "Funded Experts is a direct lender for small businesses. 13+ years in, we underwrite on cash flow, fund in as little as 24 hours, and keep terms simple."
url: "https://fundedexperts.com/about"
---

# A direct lender that *reads your business*, not just your credit.

We started Funded Experts because small business owners were getting priced out by brokers and turned away by banks. 13+ years later we still underwrite every file ourselves.

## Why we exist

Banks decline most small business financing applications. The usual reasons are not about the business at all: not enough collateral, not enough years, a credit score that dipped during a slow season.

We look at what actually matters, which is the money moving through your account. If your deposits are steady, we can usually find a structure that works, often within a day.

Most of our clients come back for a second round. We think that says more than any headline number.

## What you can count on

- We are the lender, not a middleman.

    You deal with our underwriters directly. There is no broker layer adding points to your rate, which is why clients who came to us from a broker save an average of $8,400.

- We read your bank statements, not just your credit score.

    Four months of deposits tell us more about your business than a three-digit number. 8 out of 10 clients a bank turned down get funded with us.

- The terms you see are the terms you get.

    One origination fee, spelled out up front. No prepayment penalty. Pay off early and you get a discount instead.

- Checking never touches your credit.

    Applying involves no credit check, so you can see what you qualify for without any mark on your report. We run a soft inquiry only when you first accept an offer, and we never run a hard pull.

Serving small business

13+ years

Funded to date

$89M+

Businesses funded

2,000+

## How a file moves through our shop

1. You send four months of bank statements. That is the whole application for most deals.
2. An underwriter calls you. A real person, usually the same day, to understand what the money is for and how your revenue moves.
3. You get options, not one offer. We show you the structures you qualify for and what each one costs over its life.
4. Funds are wired. Once you sign, money lands in as little as 24 hours.

## Who we work with

Contractors, restaurants, trucking companies, medical practices, retailers, and just about any business with $5,000 or more in monthly deposits and at least 6 months of history. We fund from a few thousand dollars up to $1,000,000.

We also work with brokers, ISOs, and investors who want a direct lender they can trust with their clients.

[See the industries we fund](https://fundedexperts.com/industries) [Partner with us](https://fundedexperts.com/resources/partnerships)

## See what you qualify for.

Four months of bank statements is all it takes to get real numbers from a real underwriter.

[Check your eligibility](https://fundedexperts.com/apply) [Talk to an underwriter](https://fundedexperts.com/solutions/financing-plan)

No credit check to apply. A soft inquiry only when you accept an offer, never a hard pull.