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Working capital from $5,000 to $10 million, funded in house as an advance, with term and SBA loans arranged through a direct lending partner at no fee to you.
Most businesses looking for a small business loan need working capital, and what Full Send Funding funds in house for that is an advance, not a loan: working capital between $5,000 and $10 million, advanced against your future revenue and repaid over a fixed schedule that typically runs from 4 months to 3 years, at a cost set as a factor on the amount funded rather than as interest. Approval is based primarily on your revenue — we review your last 4 months of bank statements rather than relying on your personal credit score, and we use a soft credit pull only, which doesn’t affect your credit.
The online application's first step takes about 2 minutes, and most applicants get a decision within 24 business hours and, on deals up to $2 million, receive funds within 24 hours of approval. There's no collateral requirement on the advance: qualification rests on 4+ months in business and $10,000 or more in monthly revenue.
A small business loan in the usual sense — a term loan repaid with interest on a declining balance, or an SBA loan made by a bank under a federal guaranty — is not something we fund ourselves. A loan, such as a term loan or an SBA loan, 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 loan’s amount, rate, term, timeline and any collateral or filing are the partner’s, set out in writing before anything is signed.
One of the commonest reasons a small business is offered less than it should be has nothing to do with credit. It is revenue that never reaches the business account — takings that land in a personal account, or sit at a card processor that pays out somewhere the statements do not show. Underwriting counts deposits it can verify, so revenue routed around the account does not exist for sizing purposes, and the business ends up measured against an understatement of itself. The mirror of it is movement between your own accounts, which inflates the deposit total, gets netted out anyway, and makes four months of statements harder to read. Both are fixable well before you apply.
Advances generally land between 80% and 150% of your average monthly revenue, inside an overall range of $5,000 to $10 million. A business depositing $30,000 a month usually sees offers in the $24,000–$45,000 band; at $80,000 a month the band is roughly $64,000–$120,000. Where you fall inside it comes down to time in business, deposit consistency, and what else is already being repaid. A loan we arrange with a partner is sized by the partner, not by this rule.
On an advance we fund in house, between $5,000 and $10 million. The amount you qualify for is typically 80%–150% of your average monthly revenue, based on your bank statements. A loan we arrange with a direct lending partner is sized by the partner and stated in writing with its other terms.
No. We use a soft credit pull only, with no impact on your score, and we never run a hard pull — not when you apply and not when you fund. 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.
On deals up to $2 million, most approved advances are funded within 24 hours of approval. End to end — application to money in your account — plan on 1–3 business days depending on how quickly documents come together. A loan arranged with a partner runs on the partner’s timeline, which the partner states itself.
Existing positions don't automatically disqualify you, but they change what's affordable. Disclose them up front — they appear in your bank statements regardless, and finding them late is what actually kills deals.
No. A bank usually declines over collateral, a credit score cut-off, or a trading history shorter than the two years banks generally want, and none of those is what decides a revenue-based file. We read four months of business bank statements and ask whether the payment fits what the account does, and whether the business looks set to keep trading until the last one is made. On deals up to $2 million, 90% of complete applications that meet our requirements are approved. What matters is anything still open. A settled or paid-off previous default does not disqualify a business; an open, unresolved default is a decline. A discharged bankruptcy does not disqualify; an open one does, because a court process has authority over the assets. An open tax lien or an active judgment is usually a conversation rather than a decline, decided file by file — a payment plan the statements show helps — and a satisfied one is history.
No. Profitability is not one of the requirements and it is not what the statements are read for. A business that is profitable on paper can struggle to carry a fixed weekly remittance because its customers pay in ninety days, and a business with modest reported profit that is paid at the till every day often carries one with room to spare. What underwriting measures is cash flow timing and cushion: how consistently deposits arrive, what sits in the account between them, and what is already being debited. Profit decides whether you can build working capital over time. It does not decide whether this month's payment clears.