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Straight answers on business funding: 3+ months in business and $10,000 monthly revenue to qualify, decisions within 24 business hours, and no collateral.
To qualify for funding, your business should have: 1) Been in operation for at least 3 months, 2) Monthly revenue of $10,000 or more, 3) A business bank account, and 4) No open bankruptcies.
Funding amounts range from $5,000 to $10 million, depending on your business's monthly revenue and overall health. The amount you qualify for is typically between 80% to 150% of your average monthly revenue. That guideline holds at both ends of the range: a business depositing $20,000 a month is generally looking at $16,000 to $30,000, while one depositing $1.5 million a month is in range for $1.2 million to $2.25 million. Revolving lines of credit follow the same guideline within a $10,000 to $2 million band.
Most businesses receive funding within 24 hours of approval. The entire process — from application to funding — typically takes 1-3 business days depending on documentation.
We keep it simple. You'll need: 1) Your most recent 3–4 months of business bank statements, 2) A valid form of ID, 3) A voided business check, and 4) Basic business information.
Our core working-capital products are unsecured — no collateral required. Funding is based on your business's revenue and performance, not your assets. The one exception is equipment financing, where the equipment being purchased secures the deal.
Repayment terms range from 4 months to 3 years depending on the product and your business profile. Payments are made automatically through small, daily or weekly remittances, making it easier to manage cash flow.
Cost is quoted as a factor rate — a flat multiplier on the amount advanced — rather than as an APR. Advance $100,000 at a 1.25 factor and you repay $125,000; the total is fixed at signing and does not shrink as you pay it down, which is the main way a factor rate differs from interest on a term loan. What your own rate comes to depends on your revenue, time in business, deposit consistency and what else is already being repaid, so it is set per deal rather than published as a single number. Every Full Send Funding offer states the total payback in plain dollars before you sign, and there is no fee to apply and no charge to receive a quote.
Most offers include a personal guarantee — that's standard across the industry for unsecured funding. A guarantee is a promise to repay; it is not the same as collateral, which is a specific asset a funder can claim. Our core working-capital products involve no lien on your business or personal assets, and we'll show you exactly what your offer involves before you sign anything.
No — our funding does not require a UCC-1 filing against your business. A UCC-1 is a public notice claiming your business assets, and it can complicate any financing you seek afterward. Our core working-capital products are unsecured, with no lien on business or personal assets. Equipment financing is the deliberate exception, where the equipment being purchased secures the deal.
No. A confession of judgment is a clause that lets a funder obtain a court judgment against you without notice or a hearing, and it is the practice behind much of this industry's bad reputation. Our funding agreements do not include one.
Yes, and early payoff is rewarded rather than penalized. On our advance structures a portion of the remaining cost is typically waived if you pay off early, and if you renew after paying down 50% or more, the remaining interest is waived entirely. On term structures, interest stops accruing at payoff. Ask your funding specialist for the specific early-payoff figure in writing before you sign.
No, our initial application process does not affect your credit score. We perform a soft credit pull that has no impact on your credit rating.
Our primary product is a business cash advance (also called a merchant cash advance) — capital advanced against your future receivables. It's not a traditional loan. We also offer business lines of credit and other products. Your funding specialist will walk you through which option fits your business best.
You can use the capital for any legitimate business purpose: inventory, equipment, payroll, marketing, expansion, renovations, covering cash flow gaps, or any other operational need. There are no restrictions on how you deploy the funds.
Yes, in many cases we can work with businesses that have existing funding. Our underwriting team evaluates your overall cash flow to determine if additional capital makes sense for your situation.
Repayment is based on a fixed percentage of your daily or weekly revenue, or a fixed daily/weekly amount — depending on the product. This means payments naturally adjust with your business activity, making them easier to manage.
Repayment is collected automatically from your business checking account as a fixed daily or weekly ACH debit, sized so the funding pays back over the agreed term. You will know the exact amount and frequency before you sign — it is stated in plain dollars in your agreement, not as a rate you have to convert. If the schedule stops fitting your cash flow, call us at 518-312-0382 before a payment is missed; a structure adjustment is a normal conversation and far cheaper than a missed payment.
No. We evaluate the overall health of your business — primarily your revenue and bank deposits — rather than relying solely on your personal credit score. All credit profiles are welcome to apply.
We fund businesses across virtually every industry — restaurants, retail, construction, transportation, healthcare, hospitality, automotive, beauty and salon, and many more. If your business generates consistent revenue, we'd like to hear from you.
Two ways, whichever you prefer. You can send your most recent 3-4 months of business bank statements to us directly, or you can link your business bank account through Plaid, the bank-connection service, which passes that same statement data into our underwriting. Linking is usually the faster of the two. Either route gives underwriting the deposit history it reads; nothing else changes about your account.
Your customers are not part of the arrangement. Unlike invoice factoring, we fund against your revenue rather than assigning or collecting your receivables — your customers keep paying you directly, exactly as they do now, and have no involvement in repayment. Repayment is the automatic daily or weekly remittance described above, handled between your business and us.
An unresolved tax lien or an active judgment is something underwriting will find — these surface in your bank statements and in public records. Disclosing it up front keeps your options open; finding it late is what actually costs deals. Tell us early and we will tell you where it leaves you.
Yes. A non-profit qualifies on the same bar as any other organization: at least 3 months in operation, $10,000 or more in monthly revenue, and a business bank account. Underwriting reads your deposit history — how the organization is structured for tax purposes doesn't change what it looks at.
It depends on whether it is settled. A previous default that has been resolved or paid off does not disqualify you — underwriting weighs your current revenue and deposit history. An open, unresolved default on existing business funding is a decline. As with a tax lien or a judgment, disclose it up front: it surfaces in underwriting either way, and finding it late is what actually costs deals.
We fund U.S.-based businesses nationwide and accept applications from all 50 states. Where you operate is not a qualification factor — the decision rests on your revenue, your time in business, and your bank deposits. Your business does need to be based in the United States with a U.S. business bank account.
Yes. Business structure is not a qualification criterion — we fund LLCs, S-corporations, C-corporations, partnerships, and sole proprietorships alike. What matters is the same for every structure: at least 3 months in business, $10,000 or more in monthly revenue, and a business bank account.
No. There is no application fee, no fee to receive a quote, and no charge for checking your eligibility. Applying uses a soft credit pull that does not affect your credit score, and you are under no obligation to accept an offer. You only pay anything if you accept funding, and the full cost is disclosed in plain dollars before you sign.
Yes. Once you've paid down a portion of your current advance, you may be eligible for renewal funding — often at improved terms. Many of our clients renew multiple times as their businesses grow.
Once approved, you'll receive login credentials to our Customer Portal where you can view your account details, balance, and payment information. You can also reach us directly at 518-312-0382 for any questions.
No — we do not sell your personal information to third parties for marketing purposes. Your information is shared only where it is needed to do the work: with funding partners and lenders to process your application, with service providers who run our operations such as payment processing and analytics, and with legal authorities where the law requires it. Applying uses a soft credit pull only, and we never ask for your SSN or bank details by email.