--- title: "Funded Experts" description: "Direct lender providing working capital to US small businesses." url: "https://fundedexperts.com/" --- # Funded Experts Funded Experts is a direct lender that provides working capital to small businesses in the United States. Applications are underwritten from business bank statements rather than collateral or a credit cutoff. ## Key facts - Funding amounts: up to $1,000,000 - Funding speed: as little as 24 hours after approval - Minimum monthly revenue: $5,000 in business bank deposits - Minimum time in business: 6 months - Minimum credit score: 500, varies by product - Documents: four months of business bank statements - Credit check: Applying involves no credit check. A soft inquiry, which does not affect your credit score, is run only when you first accept an offer. Funded Experts never runs a hard pull. - Address: 99 Wall Street, New York, NY 10005 ## Track record - In business: 13+ years - Funded to date: $89M+ across 2,000+ businesses - Funded in 2025: $16M - BBB rating: A+ - Trustpilot score: 4.9 - Clients previously declined by a bank who were funded: 8 out of 10 - Clients who return for a second round: Over 60% - Average savings for clients who came from a broker: $8,400 ## Products - [Merchant Cash Advances](https://fundedexperts.com/products/mca.md): An advance against your future sales. You get a lump sum today and repay it automatically as a small slice of each day's deposits, so payments rise and fall with your revenue. - [Term Loans](https://fundedexperts.com/products/term-loans.md): A classic term loan. You receive the full amount up front and pay it back in equal installments over a set number of months, so your cost is fixed and easy to budget around. - [Lines of Credit](https://fundedexperts.com/products/lines-of-credit.md): A revolving pool of capital you can tap whenever you need it. Draw any amount up to your limit, repay it, and draw again. You only pay interest on the balance you are actually using. - [Consolidations](https://fundedexperts.com/products/consolidations.md): One new facility that pays off several existing advances or other financing. Instead of juggling multiple withdrawals, you make a single payment, usually at a lower combined cost. - [Cash Credit (CC)](https://fundedexperts.com/products/cash-credit.md): A running credit account secured against your business assets. Draw funds up to your sanctioned limit, repay, and draw again, paying interest only on the amount outstanding. ## Frequently asked questions ### What types of funding do you offer? We offer term loans, lines of credit, merchant cash advances, invoice financing, equipment financing, consolidations, and cash credit. See [All financing types.](https://fundedexperts.com/products) ### Who is eligible? 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? [Get a personalized financing plan](https://fundedexperts.com/solutions/financing-plan), no commitment. ### What documents do you need? We require at least four months of business bank statements. If you already have positions, we ask for open balances or payoff letters. ### How fast can I get funded? 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. ### How much funding can I get? 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 **$1,000,000**. ### What are your rates and fees? 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. ### Is there a prepayment penalty? 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. ### How do repayments work? 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. ### What can the money be used for? 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. ### Do you require a personal guarantee? 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. ### Do you check personal and business credit? Not when you apply. Applying involves no credit check: we underwrite from your bank statements and the details you enter. The first time you accept an offer, we run a **soft inquiry** to confirm your information, which does not affect your credit score. We never run a hard pull. ### Do you fund startups? 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. ### Can I renew, refinance, or get more capital later? 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. ### What happens if I miss a payment or run into trouble? 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. [Apply](https://fundedexperts.com/apply)