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New: same-day funding decisions on lines of credit up to $250K | Learn more
FundLine Capital
How it works

From application tofunded in four steps.

No branch visits, no re-typing the same numbers for six lenders. One application does the work, and a specialist is one call away at every step.

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Four steps, one application

Every step is online, and a specialist is one call away at each of them.

  1. 01

    Apply

    Tell us about the business, connect or upload bank statements, and say how much you need. About 15 minutes, and it never touches your credit score.

    • 15 minutes, start to finish
    • Soft inquiry only
    • Save and return any time
  2. 02

    Match

    We check your application against the criteria of the lenders that fit your profile: industry, time in business, revenue, credit band and use of funds.

    • 75+ banks, credit unions and online lenders
    • Most matches in under an hour
    • Only lenders likely to say yes
  3. 03

    Compare

    Real offers arrive side by side with the same numbers on every one: APR, term, payment and total cost of capital. A specialist walks you through them.

    • True APR on every offer
    • No obligation to accept
    • Specialist call whenever you want
  4. 04

    Fund

    Accept the offer you want, e-sign, and the lender sends the money. Lines of credit and short-term loans often fund the next business day.

    • Funding in as little as 24 hours
    • E-signature, no printing
    • Payoff letters on request

A typical week

Most owners go from first click to money in the bank inside three business days.

  1. Step 1
    Day 0, 9:00am

    Application submitted

    Fifteen minutes, one form, bank statements connected.

  2. Step 2
    Day 0, 10:30am

    Offers start arriving

    First matches land within the hour; most within the day.

  3. Step 3
    Day 0, 2:00pm

    Specialist call

    Twenty minutes to compare, size the loan and ask anything.

  4. Step 4
    Day 1

    Offer accepted and signed

    E-sign from your phone. The lender runs its final check.

  5. Step 5
    Day 1–3

    Funded

    Money in the business account. Lines of credit are often live the next morning.

FAQ

Basic business details, the last three to six months of bank statements (connect read-only or upload PDFs), and the owner's contact information. Tax returns help for loans over $250K but are not required to start.
It depends on the business. Owners with 12+ months in business and $10K+ monthly revenue usually see three to six offers. Newer businesses see fewer, but we will tell you what would change that.
No. FundLine is free for owners. We are paid by the lender when a loan funds, and that fee never changes the rate you are offered.
Never. Many owners apply just to see what is available. Offers stay open for 7 to 30 days depending on the lender.
A specialist will tell you exactly why and what to work on: time in business, revenue, credit or paperwork. Reapply whenever you are ready; your documents stay on file for 13 months.
Lines of credit and short-term loans have funded within 24 hours of an accepted offer. SBA loans and commercial real estate take longer, typically two to eight weeks, and we tell you that up front.

Can’t find an answer to your question? Get in touch

Start step one.It takes about 15 minutes.

Fifteen minutes to apply, no impact to your credit score, and a funding specialist on the phone whenever you want one.

Book a call
Apply now