Business Funding Guide | Full Send Funding

You need to enable JavaScript to run this app.Business Funding GuideEverything you need to know about alternative business funding — how it works, what to expect, and how to prepare for a successful application.What Is Alternative Business Funding?Other products we fund in house include a flex line of credit, where each draw is priced as its own advance, and unsecured and fast cash advances — each designed for different business needs and timelines. A loan, such as a term loan, an SBA loan or an interest-bearing line of credit, is arranged with a direct lending partner at no fee to you, as are equipment financing, purchase order financing and invoice factoring: only after we have talked through the options with you and only if you choose to.

Alternative Funding: Decision within 24 business hours

Alternative Funding: Based on revenue, not just credit

Alternative Funding: No collateral required

Alternative Funding: Minimal paperwork (4 months of business bank statements)

Alternative Funding: All credit profiles considered

Alternative Funding: Funds deposited in 1-3 business days

Traditional Bank Loans: Approval takes 30-90 days

Traditional Bank Loans: Requires strong credit history (680+)

Traditional Bank Loans: Often requires collateral

Traditional Bank Loans: Extensive documentation and tax returns

Traditional Bank Loans: Low approval rates for small businesses

Traditional Bank Loans: Lengthy disbursement process

How to Prepare for Your ApplicationFollow these four steps to give yourself the best chance at a fast approval and competitive terms.

Gather Your Documents — Have your last 4 months of business bank statements ready. This is the single most important document for approval.

Know Your Numbers — Understand your average monthly revenue, how much capital you need, and what you plan to use it for.

Stabilize Your Deposits — Consistent, regular deposits signal a healthy business. Avoid large cash withdrawals before applying.

Be Responsive — Once you apply, respond quickly to your funding specialist. Fast communication leads to faster funding.

What Funders Actually Look At

Monthly revenue and deposits — We look at the revenue deposited into your business bank account each month, with transfers between your own accounts and any funding proceeds netted out. Higher and more consistent deposits typically mean higher funding amounts and better terms.

Cash flow patterns — We examine how money moves in and out. Businesses with steady, predictable cash flow are viewed favorably, even if some months are higher than others.

Negative balance days — Frequent overdrafts or days with a negative balance can raise flags. Try to maintain a positive balance consistently in the weeks before you apply.

Existing obligations — If you already have other advances or loans being repaid, funders will factor those payments into your available cash flow. Having existing debt doesn't disqualify you, but it affects how much additional capital you can receive.

Pro Tip: The single best thing you can do before applying is to maintain consistent daily deposits and avoid overdrafts for 30 days. This directly impacts the amount and terms you're offered. If you can show steady revenue with a positive daily balance, you're in a strong position.What Businesses Use Funding ForThere are no restrictions on how you use the capital. Our clients use funding for a wide range of business needs:

Growth & Expansion: Opening a second location

Growth & Expansion: Hiring new staff

Growth & Expansion: Launching marketing campaigns

Growth & Expansion: Purchasing inventory at bulk discounts

Operations & Stability: Covering payroll during slow periods

Operations & Stability: Replacing or upgrading equipment

Operations & Stability: Bridging gaps between invoices

Operations & Stability: Emergency repairs or unexpected costs

Ready to Take the Next Step?See if you qualify in 60 seconds, or apply directly.