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Unsecured working capital from $5,000 to $10 million, funded in house as an advance and underwritten on revenue, with no collateral required.
Unsecured funding means no collateral — approval is underwritten against your revenue instead of your assets, and on deals up to $2 million there is no lien on your equipment, inventory, or property. What Full Send Funding funds in house on those terms is an advance, not a loan: working capital advanced against your future revenue, with no UCC-1 lien filed against the business and no confession of judgment in the agreement on deals up to $2 million. For most small businesses that’s the difference between getting funded this week and spending a month on appraisals.
Advances run $5,000–$10 million with fixed terms from 4 months to 3 years. Because the funder takes more risk without collateral, the cost runs somewhat higher than a fully secured bank loan — the trade is speed and, on deals up to $2 million, keeping your assets unencumbered. Qualification: 4+ months in business, $10,000+ monthly revenue, and your recent bank statements. If a loan fits better, we arrange it with a direct lending partner, only after talking through the options with you and only if you choose to, at no fee to you; whether it is secured, and every other term, is the partner’s, set out in writing before anything is signed.
Revenue sets the band an unsecured offer can land in; the figure that most often decides where inside it is the balance the account holds between the deposits. Two businesses banking the same amount get different answers when one rides near zero and the other keeps a float, because the second can absorb a remittance the first would overdraft on. Two ordinary habits work against you here: moving money between your own accounts inflates apparent deposits and gets netted back out, and proceeds from another advance are stripped out too, because a deposit from a funder is not revenue and it also reveals the position behind it. One operating account reads better than two.
Unsecured advances sit in the 80%–150% of monthly revenue band within $5,000 to $10 million. The arithmetic is the same at both ends: a business depositing $30,000 a month generally sees $24,000–$45,000, and one depositing $1.2 million a month sees $960,000–$1.8 million. Because there's no asset to fall back on, underwriting tends to be more conservative at the top of that range.
Yes, on our advances: every owner of 20% or more signs one, which is standard across the industry for unsecured funding. On an advance it is a performance guarantee, 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. What you avoid on our advances is a lien on specific business or personal assets. We’ll flag exactly what your offer includes before you sign.
Generally yes, somewhat — the funder carries more risk. Whether the speed and flexibility is worth it depends on what the capital earns you; our advisors will run both numbers with you.
Decisions typically within 24 business hours and, on deals up to $2 million, funding within 24 hours of approval. No appraisal step means no appraisal delay.
On our advances, a performance guarantee: your 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 — not a promise to repay if the business genuinely fails. A loan, which we arrange with a direct lending partner, normally carries a guarantee of payment: you repay if the business can’t, on the terms of the partner’s agreement. Ours pledges no specific asset, and on deals up to $2 million we file no UCC-1 lien against the business. It is a real personal obligation all the same, and worth reading carefully, as is any partner’s.
Sometimes, depending on who filed it and whether it's being resolved. Raise it early — existing liens surface in diligence and are far easier to work around when disclosed up front.
Because what moves the number is the shape of your four months of statements, not their total: deposit consistency, the balance carried between deposits, existing debt service and how the deposits are spread. That last one surprises people. A month built from twenty separate customer deposits is read as durable; the same total arriving as one wire on the thirtieth is read as a single customer, and discounted. None of that is credit, which adjusts the price rather than the size.
Not on this product. Unsecured working capital is underwritten on revenue with nothing pledged — and, on deals up to $2 million, no UCC-1 lien filed against the business and no confession of judgment in the agreements — so no version of the offer trades a lien for a lower price. If the money is buying a machine rather than covering payroll or inventory, ask about equipment financing. Equipment financing is arranged through a direct lending partner, only after talking through the options with you and only if you choose to, at no fee to you; the partner’s terms, including any filing on the equipment, are set out in writing before anything is signed.
Often, yes. Every file starts with four months of complete business bank statements. 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. With no asset behind the funding, a second view of the business carries more weight. A decision comes within 24 business hours of a complete file.