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Straight answers on business funding: 4+ 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 4 months, 2) Monthly revenue of $10,000 or more, 3) A business bank account, 4) No open bankruptcies, and 5) Been based in the United States.
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. Our in-house flex line of credit follows the same guideline within a $10,000 to $2 million band; an interest-bearing line arranged with a direct lending partner is sized on the partner's written terms.
A decision comes within 24 business hours of a complete submission. On deals up to $2 million, most businesses then receive funding within 24 hours of approval, so the whole process — application to money in the account — typically takes 1 to 3 business days. Same-day funding is possible on a clean file submitted before 2pm ET. What slows a file down is almost always a missing bank statement rather than a hard decision.
You'll need four things: your most recent 4 months of business bank statements, a valid form of ID, a voided business check and basic business information. Above about $250,000 we often, though not always, also ask for the most recent business tax return and either year-to-date financials or an A/R aging report, depending on the business.
Our core working-capital products are unsecured — no collateral required. Funding is based on your business's revenue and performance, not your assets. No collateral is required on anything we fund in house. Equipment financing is arranged through a direct lending partner, on the partner’s written terms.
Repayment terms range from 4 months to 3 years depending on the product and your business profile. Payments are collected automatically. Payment schedules are set per deal, and which options are available depends on qualifications: weekly, bi-weekly, monthly for qualified clients or, if desired, a percentage of sales. Daily payments are available on request, but they are not our preferred payment method.
Cost is quoted as a factor rate — a flat multiplier on the amount advanced — rather than as an APR, though every offer also carries a SMART Box disclosure stating the APR equivalent. 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. Across everything we fund, cost of capital runs from 4.5% to 45% depending on your qualifications and the term length, and every Full Send Funding offer states the total payback in plain dollars before you sign.
Yes, from every owner of 20% or more, and what it covers depends on the product. On a merchant cash advance it is a performance guarantee: a promise that the business will carry out the agreement honestly, keeping its deposits in the agreed account and not closing or selling to avoid the remittance. It is not a promise to repay if the business genuinely fails. A loan we arrange with a direct lending partner normally carries a guarantee of payment, on the partner's terms, set out in writing before anything is signed. Neither is collateral, which is a specific asset a funder can claim: on deals up to $2 million, 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.
Not on deals up to $2 million: there, 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. On those deals our core working-capital products are unsecured, with no lien on business or personal assets. Equipment financing is arranged through a direct lending partner, and any filing on the equipment is part of the partner’s terms, set out in writing before anything is signed. Above $2 million, what the agreement includes is set per deal and shown to you in writing before you sign.
Not on deals up to $2 million. A confession of judgment is a clause that lets a funder obtain a court judgment against you without a lawsuit and sometimes without notice, which removes the defences a lawsuit allows, and it is the practice behind much of this industry's bad reputation. Our funding agreements on deals up to $2 million do not include one; above that, every term is set per deal and shown to you in writing before you sign.
No, on any deal we fund. A lockbox is an account a funder controls that your customers' payments are routed into, and processor control means a funder directs your card processor to send it a share of each settlement. We use neither: payments are debited from your own business bank account — on a percentage-of-sales deal too — and your card processor and your customers deal with you exactly as they do now.
Yes. Early payoff is structured deal by deal rather than by a standard schedule: some agreements forgive all of the remaining cost, some half of it, some carry a custom prepayment step-down, on some renewals the outstanding balance is forgiven, and some carry no saving, so paying early settles the full remaining balance. There is never a prepayment fee: paying early never costs more than paying on schedule. On a loan arranged with a direct lending partner, interest normally stops accruing at payoff, as the partner's agreement sets out. Ask your funding specialist for the figure in dollars at a stated month. Whichever applies to yours is set out in writing before you sign.
No. Full Send Funding runs a soft credit pull only, and a soft pull does not affect your credit score. Full Send Funding does not run a hard credit inquiry at any stage — not to pre-qualify you and not at funding. If we arrange a loan with a direct lending partner, the partner's own credit review is set out in writing before anything is signed.
Not automatically. Full Send Funding does not report this funding to the commercial bureaus by default, so repaying it does not build a business credit file on its own. Reporting is available on request rather than automatically — if you want the tradeline, ask before funding and we will tell you what we can report. Applying never affects your credit either way: we use a soft credit pull only.
No. What we fund in house is an advance: a business cash advance (also called a merchant cash advance), which is capital advanced against your future receivables, or a flex line of credit, where each draw is its own advance, priced as an advance rather than as interest. A loan, such as a term loan, an SBA loan or an interest-bearing revolving line, we arrange with a direct lending partner, only after talking through the options with you and only if you choose to, never through a broker, and at no fee to you; the partner's terms are set out in writing before anything is signed. Your funding specialist will walk you through which option fits your business best.
We fund deals in house wherever we can. For specialized products and premium offerings we may place a deal with a direct lending partner, but only after talking through the options with you and only if you choose to; we never shop a file widely or pass it on to a broker. Purchase order financing and invoice factoring are available through our direct lending partners, arranged only after we have talked through the options with you and only if you choose to.
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. We fund consolidations and buyouts in house: one advance of ours can pay off an advance you carry elsewhere (a buyout) or several at once (a consolidation), sized like any advance we fund.
Repayment is either a fixed amount on a set schedule or, if desired, a percentage of sales — depending on the product and what your file qualifies for. On a percentage-of-sales deal, the payment is a fixed debit set from that percentage of your sales, and it does not change by itself. If your sales slow, you can ask us to adjust your payments to your actual revenue; we answer a request within 5 business days.
Repayment is collected automatically from your business checking account by ACH debit, sized so the funding pays back over the agreed term. Payment schedules are set per deal, and which options are available depends on qualifications: weekly, bi-weekly, monthly for qualified clients or, if desired, a percentage of sales. Daily payments are available on request, but they are not our preferred payment method. You will know the payment and its frequency before you sign — a fixed payment is stated in plain dollars in your agreement, not as a rate you have to convert. To change the account or day your payments are debited, send us a signed change form; it takes effect within 2 business days. Questions about a payment go to Travis Yule on our main number, 518-312-0382.
If a debit is returned, we call you first and agree a catch-up — there is no returned-payment fee. If your sales slow, you can ask us to adjust your payments to your actual revenue; we answer a request within 5 business days. We send a default notice only if the agreement is breached — never because sales slowed — and it gives you 10 business days to put it right. Questions about a payment go to Travis Yule on our main number, 518-312-0382.
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 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; the link is read-only and cannot move money, but unlike a PDF it is a standing connection that stays open until you or we remove it.
Statements you send with an application go into private storage that only Full Send Funding staff can open, not a public link, and statements you upload in the customer portal can be opened only by you and our staff. A bank account linked through Plaid is read-only and cannot move money. We keep application records, uploaded documents and the completed application indefinitely; ask us if you want to know what we hold about you. We never ask for your bank details or Social Security number by email.
Your customers are not part of the arrangement. Unlike invoice factoring, we do not buy specific invoices, notify your customers or collect from them — an advance is a purchase of a fixed amount of your future receivables, remitted by your business rather than collected from your customers, so your customers keep paying you directly, exactly as they do now, and have no involvement in repayment. Repayment is the automatic remittance described above, handled between your business and us.
Often, yes. An unresolved tax lien or an active judgment is usually a conversation rather than a decline, and each one is decided file by file. Underwriting will find it either way, because these surface in your bank statements and in public records, so disclosing it up front keeps your options open and a payment plan you can show helps. 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 4 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 4 months in business, $10,000 or more in monthly revenue, and a business bank account. A sole proprietor running the business through a personal account does not qualify: the revenue has to run through a business bank account.
Yes. An owner with an Individual Taxpayer Identification Number can apply: enter the ITIN in the Social Security number field, which takes either nine-digit number. Everything else is the same bar as any application: at least 4 months in business, $10,000 or more in monthly revenue and a U.S. business bank account, and applying uses the same soft credit pull, which does not affect your credit score.
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. Most agreements include an origination fee, taken from the amount funded rather than billed to you, and it is stated in the agreement in dollars before you sign. The total payback is stated there too, and nothing is charged before that point.
An offer is open for 72 hours from the time we issue it, and the expiry is printed on the offer document itself, so you are never guessing at it. If it lapses before you have decided, call 518-312-0382 — we will tell you what re-issuing it takes rather than leaving you to work it out. Taking the time to read an offer and compare it is the right thing to do with one, and no Full Send Funding offer is priced on the assumption that you will not.
Yes. A funded client may apply to renew once half of the total payback has been paid (the full amount repaid under the agreement, including the cost). What a renewal saves you is set deal by deal and stated in writing before you sign, and renewal terms are often better than a first advance because the file now has a repayment record. 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 a direct lending partner to process your application, only if you choose to have us place it with one (we never pass it on to a broker); with a partner (ISO) who submitted your application on your behalf, who can see its status, the offers we make and their terms and any decline reason, and may present our offer to you; with a partner whose referral link you used, who can see its status and the amount requested and, if it funds, the amount, factor rate and term; 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.