--- title: "Personalized Financing Plan | Funded Experts" description: "Talk to a Funded Experts underwriter before you apply. We'll look at your cash flow and show you a few ways to structure the deal, with no fee and no obligation." url: "https://fundedexperts.com/solutions/financing-plan" --- # Talk to the person who will *actually underwrite* your deal. Before you apply, an underwriter looks at your cash flow and shows you a few ways to structure the deal. No fee, no obligation. ## How it works 1. Send us your bank statements The last four months is enough. Upload them or email them; no tax returns or business plan. 2. An underwriter calls you Usually the same day. They want to know what the money is for, how your revenue moves through the month, and what you already have open. 3. You get options side by side A term loan, a line, a revenue-based advance, or a consolidation, each with the real cost over its life so you can compare. 4. Pick one and get funded Sign electronically and funds are wired in as little as 24 hours. Payments are matched to how your business actually gets paid. [Start with your bank statements](https://fundedexperts.com/apply) ## Who qualifies **Monthly deposits** $5,000 or more **Time in business** 6 months or more **Credit score** 500 and up, varies by product **Collateral** Not required **Paperwork** Four months of bank statements **Location** US-based businesses Most businesses that clear these thresholds get at least one offer. If you are close but not quite there, call anyway. We would rather tell you what to fix than have you guess. ## The products a plan can include Your plan might be one of these or a combination. Click any product to learn how it works. | Product | Amount | Term | Repayment | Cost | Speed | | --- | --- | --- | --- | --- | --- | | [Merchant Cash Advances](https://fundedexperts.com/products/mca) | $5K – $1M | 3 – 18 months | % of daily sales | from 12% | As fast as 24 hrs | | [Term Loans](https://fundedexperts.com/products/term-loans) | $10K – $2M | 6 – 60 months | Fixed monthly | from 6% | 1 – 3 days | | [Lines of Credit](https://fundedexperts.com/products/lines-of-credit) | Up to $250K | Revolving | Pay as you draw | prime + 1.75% | As fast as 24 hrs | | [Consolidations](https://fundedexperts.com/products/consolidations) | $25K – $750K | 6 – 36 months | Single payment | Lower blended cost | 2 – 4 days | | [Cash Credit (CC)](https://fundedexperts.com/products/cash-credit) | $50K – $750K | 1 – 12 months | Interest-only | from 10.5% | 3 – 5 days | ## Deals we've actually structured Details changed to protect the owners, numbers as they happened. ### Payroll due, retainage sixty days out The problem A commercial electrical contractor had an $85,000 payroll coming up every two weeks and a large retainage invoice that wouldn't pay for another two months. What we did We looked at three months of general contractor deposits and advanced $90,000 against them, with daily remittances sized to what the projects were actually bringing in. The result Kept all fourteen field techs and collected an $18,000 early-completion bonus. **Product** Merchant Cash Advance **Amount** $90,000 **Funded in** 18 hours **Term** 9 months [How this product works](https://fundedexperts.com/products/mca) ### Two transmissions, one week The problem Two Class 8 tractors went down in the same week. The carrier needed $45,000 immediately or risked losing the dedicated routes that made up most of its revenue. What we did We funded a $50,000 working capital account the next day on the strength of the broker settlement statements, with no equipment appraisal. The result Both trucks back on the road; avoided a $12,000-a-week contract penalty. **Product** Cash Credit **Amount** $50,000 **Funded in** 24 hours **Term** 12 months [How this product works](https://fundedexperts.com/products/cash-credit) ### Bringing 3D imaging in-house The problem A growing practice was referring its highest-margin diagnostics out because it didn't have the $180,000 for an in-house scanner. What we did A 36-month term loan with fixed monthly payments, scheduled around the practice's insurance reimbursement cycle so the payment never landed in a thin week. The result About $26,000 a month in new in-house scan revenue. **Product** Term Loan **Amount** $200,000 **Funded in** 2 days **Term** 36 months [How this product works](https://fundedexperts.com/products/term-loans) ### A 25% discount with a cash deadline The problem A manufacturer offered a 25% discount on holiday inventory, but only if the retailer paid $120,000 up front, months before any of it would sell. What we did A revolving line of credit. The owner drew what was needed for the order and paid it down as holiday sales came in, so interest ran for a few weeks, not a year. The result Saved roughly $30,000 on the season's inventory. **Product** Line of Credit **Amount** $150,000 limit **Funded in** Same day **Term** Revolving [How this product works](https://fundedexperts.com/products/lines-of-credit) ## Common questions **How is this different from just applying?** Applying gets you an offer. A plan gets you a conversation first. An underwriter looks at your cash flow and existing positions and shows you a few ways to structure the deal before you commit to anything. **Does it cost anything?** No. There is no fee and no obligation to take an offer. **Will it affect my credit?** No. Applying involves no credit check. We run a soft inquiry only when you first accept an offer, which does not affect your credit score, and we never run a hard pull. **How long does it take?** Most owners hear from an underwriter the same business day and have options within a day or two. Funding after you sign is as little as 24 hours. **What if I already have advances open?** Tell us. Consolidating stacked positions into one lower payment is one of the most common plans we build. ## Get a plan, not a pitch. Send your statements and an underwriter will call you the same day to walk through your options. [Send your bank statements](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.