FundFlex is a smart funding marketplace that connects businesses with over 300 banks, lenders, and alternative funders. Our platform uses advanced matching technology to find you the best funding options based on your business profile—all without impacting your credit score.

Simply complete our 2-minute application, and our platform instantly matches you with pre-qualified funding offers from our network of lenders. You can compare rates, terms, and funding amounts side-by-side, then choose the option that works best for your business. Most businesses receive multiple offers within 24 hours.

No, FundFlex is not a direct lender. We're a funding marketplace that partners with hundreds of trusted lenders to give you more options and better rates. Think of us as your funding matchmaker—we connect you with the right lenders for your specific business needs.

It's completely free to apply and see your funding options through FundFlex. You only pay if you accept a funding offer, and those fees come from the lender you choose, not from us. We're paid by our lending partners when they successfully fund a business.

Basic requirements vary by funding type, but generally you'll need:

• 6+ months in business
• $50,000+ in annual revenue
• 500+ personal credit score
• Valid business bank account

Some funding options like credit stacking may require higher credit scores (650+), while MCAs can work with scores as low as 500.

Yes! While traditional lenders often require 2+ years in business, we have funding partners who work with businesses as young as 6 months. We even have revenue-based options for pre-revenue startups with strong business plans.

We serve all legitimate industries including retail, restaurants, construction, healthcare, e-commerce, professional services, transportation, and manufacturing. Some industries may have more funding options than others, but we can help almost any legal business find funding.

Not necessarily. Many of our funding options don't require collateral, including:

• Merchant cash advances
• Credit stacking
• Unsecured business loans
• Revenue-based financing

Equipment financing uses the equipment itself as collateral, which actually helps you get better rates.

Our initial application takes just 2 minutes to complete. We only ask for essential information needed to match you with lenders. If you decide to move forward with an offer, the lender may request additional documentation, which typically takes another 10-15 minutes to provide.

No! FundFlex uses a soft credit pull that doesn't impact your credit score. You can explore all your funding options worry-free. Hard credit pulls only occur if you formally accept a funding offer and move forward with a specific lender.

For the initial application, you just need basic business information. If you proceed with a funding offer, lenders typically request:

• 3-6 months of business bank statements
• Driver's license or ID
• Voided business check

We'll tell you exactly what's needed for your specific situation.

Funding speed varies by type:

• MCA: 24-48 hours
• Credit Stacking: 7-14 days
• Equipment Financing: 3-5 days
• SBA Loans: 30-45 days
• Business Lines of Credit: 3-7 days

Many businesses receive their first funding offers within hours of applying.

We connect businesses with multiple funding types including:

• Merchant Cash Advances (MCAs)
• Equipment Financing & Leasing
• Credit Stacking ($50K-$250K in business credit)
• SBA Loans
• Business Lines of Credit
• Invoice Factoring
• Revenue-Based Financing
• Term Loans
• Working Capital Advances

Funding amounts range from $5,000 to $5,000,000 depending on your business profile and funding type. Most businesses qualify for:

• MCAs: $5,000-$500,000
• Equipment Financing: $10,000-$5,000,000
• Credit Stacking: $50,000-$250,000
• SBA Loans: $30,000-$5,000,000

Your specific amount depends on your revenue, credit score, and time in business.

Rates vary significantly by funding type and your qualifications:

• Equipment Financing: 6-12% APR (2-7 year terms)
• Credit Stacking: 0% intro APR for 12-18 months
• MCAs: 1.1-1.5 factor rates (3-18 month terms)
• SBA Loans: 11-16% APR (5-25 year terms)
• Business Lines of Credit: 7-25% APR (revolving)

Absolutely! Many businesses use a combination of funding types. For example, you might use equipment financing for a vehicle purchase while using an MCA for inventory. Our platform helps you explore all options simultaneously.

Yes, we have options for credit scores as low as 500. While better credit unlocks better rates and more options, we specialize in helping businesses with imperfect credit find funding. MCAs and revenue-based financing focus more on your cash flow than your credit score.

We initially perform a soft pull on your personal credit to determine your options. Some funding types also consider business credit. Building business credit opens up more funding options with better terms—check out our guide on establishing business credit.

Don't worry—being declined by one lender doesn't mean you can't get funded. Different lenders have different criteria. Our platform connects you with 300+ funding sources, dramatically increasing your approval odds. Many FundFlex users get funded after being declined by their bank.

No personal guarantee is required typically.

Repayment varies by funding type:

• MCAs: Daily or weekly ACH debits based on a percentage of sales
• Term Loans: Fixed monthly payments
• Lines of Credit: Minimum monthly payments on what you use
• Equipment Financing: Monthly payments over the equipment's life
• Credit Stacking: Varies by card issuer, often minimum payments

Yes, most funding options allow early payoff. Some products like credit lines and many term loans have no prepayment penalties. MCAs typically offer discounts for early payoff. We'll clearly explain any early payoff terms before you accept funding.

Many of our funding options are designed for different business realities. Always communicate with your lender if you anticipate payment challenges.

FundFlex never charges hidden fees. All costs are disclosed upfront before you accept any funding offer. Typical fees from lenders may include origination fees (1-5%), documentation fees, or UCC filing fees. We ensure you understand all costs before committing.

Absolutely. FundFlex uses bank-level 256-bit SSL encryption to protect your data. We're PCI compliant and follow all federal regulations for financial data protection. Your information is only shared with lenders you choose to work with, never sold to third parties.

Every lender in our network is thoroughly vetted before partnering with FundFlex. We verify licenses, check Better Business Bureau ratings, analyze customer reviews, and continuously monitor performance. We only work with established, reputable funding sources.

Yes! We have thousands of verified reviews from funded businesses. You can read success stories on our testimonials page and see our 4.8-star average rating from over 10,000 businesses we've helped secure funding.

Basic requirements vary by funding type, but generally you'll need:

• Phone: (732) 546-4750
• Email: info@fundflexcap.com
• Response Time: Email responses within 4 hours during business hours

Yes! Our funding specialists can help you understand your options, improve your qualification profile, and choose the right funding type. This consultation is completely free with no obligation to accept any funding offers.