You need to enable JavaScript to run this app.
By Travis Yule — CEO & Founder, Full Send Funding
Published 2026-09-17 · Updated 2026-09-30
The bar is the same for every applicant and a certification is not an input. A business with no trading history gives us nothing to read. Who to ask for the rest.
In one sentence: A minority-owned business is funded here on exactly the bar every applicant clears — four months in business, $10,000 a month in revenue and four months of bank statements — and a business that has not traded yet cannot be priced with this product, because there is nothing yet in an account to read.
A minority-owned business qualifies for funding here on the same bar as every other applicant: four or more months in business, $10,000 or more in monthly revenue, a business bank account, and four months of business bank statements. There is no separate programme, no different price, no different amount and no different term. Funding runs from $5,000 to $10 million; on deals up to $2 million, 90% of complete applications that meet our requirements are approved across the whole book; and the cost of capital runs from 4.5% to 45% depending on qualifications and term length.
That answer disappoints anyone who came here looking for a startup loan. If the business has not traded yet, this product cannot price it — not because of any judgement about the founder, but because revenue-based underwriting reads a bank account and there is not yet an account to read. That is worth explaining properly rather than waving at, and most of this article is the explanation, plus what the first four months should look like so that the file, when it exists, is worth reading.
The rest of what people search on this subject is about certifications, the SBA and government programmes. We can tell you exactly what a certification does inside our own file, which is nothing. We cannot tell you what any federal, state or municipal programme requires, costs or pays, and we do not guess. The section near the end that says so is not a disclaimer; it is the most useful part of the page for anyone who has been reading sites that do guess.
The phrase covers three unrelated things, and most of the confusion in this corner of the market is people comparing one against another.
A lender's ordinary product, sold to a minority-owned business. That is what we do, and it is what our minority business funding page describes. The product is revenue-based working capital. Nothing about it is specific to who owns the business — the underwriting reads deposits, and deposits do not carry demographics.
A certification. MBE, 8(a), WBE, DBE and their relatives are statuses conferred by a certifying body, not products. A certification is not money. What our own page says about them is that certifications like MBE or SBA 8(a) can unlock government contracting advantages, and that those programmes are run by the SBA and by state and city agencies rather than by us. That is the limit of what we are in a position to tell you, and the section on certifications below explains why.
A government or non-profit programme. Federal, state, municipal and community lenders run their own facilities with their own eligibility rules and their own prices. Our own minority business funding page says SBA and CDFI programmes often carry materially better rates than ours and are worth running in parallel. We have no visibility into their terms and no standing to describe them.
When a search result promises "minority business loans" and delivers a page mixing all three, the reader ends up believing there is a special lending product with better terms available on the basis of ownership. Here there is not, and what any other funder does is theirs to describe rather than ours. Saying otherwise would be a marketing flourish with a legal problem attached, and it would also be unkind, because it sets up a founder to be surprised.
Here is everything that has to be true to be funded here.
Four or more months in business. At least $10,000 a month in revenue. A U.S.-based business with an active business checking account. A valid government-issued ID. No open bankruptcy. And the document ask, which is four months of business bank statements — sent as PDFs or shared by linking the account. That is the whole list.
Now the more interesting half, because it is where the real difference sits. Three things that stop a great many businesses at a bank are not read here at all:
The length of the banking relationship. A bank that weights how long it has known you is measuring something the account itself does not say. We do not weight it. A business that opened its account four months ago and one that has banked at the same branch for fifteen years are read from the same four statements.
The age of the credit file. The application is a soft credit pull only, all credit profiles may apply, and credit informs pricing rather than gating approval. An owner who has never been extended business credit has a thin file by definition, and a thin file is not a strike here — it is simply not the evidence being used.
Collateral. None is required: no collateral is required on anything we fund in house. On deals up to $2 million, we file no UCC-1 lien against the funded business and our agreements contain no confession of judgment. Both of those are worth asking any funder about by name, because both are common in this industry and both have consequences a rate does not show.
One more fact about the bar, and it is first-hand rather than argued: the application does not ask whether the business is minority-owned. It asks for the legal entity name, entity type, EIN, start date, business address, industry, time in business and revenue range; then the owner's name, email, phone, date of birth, Social Security number, home address and ownership percentage; then the amount requested, the use of funds, the urgency and the preferred payment frequency. There is no field for race, ethnicity, national origin, sex, religion or marital status, and none of them is considered at any point in the decision — not as a field, and not inferred from a name, an address or an industry. Date of birth is collected for identity verification and the soft credit pull; age is not a factor in the decision either. What the statements are read for instead is the whole of the rest of the decision.
Revenue-based underwriting derives four figures from a window of bank statements. Each one is a measurement over a period. At zero months of trading, none of them is small. None of them exists.
Deposit consistency is how evenly revenue arrives month to month. It needs at least two comparable months to mean anything and four to be worth pricing against. With no months, there is no series — not a flat series, not a weak one, none.
Average daily balance is the mean end-of-day balance across the window, and it is the cushion the payment is actually taken out of. A founder holding $40,000 of personal savings in a fresh business account has a balance, but it is a deposit of the founder's own money rather than a record of what the business earns and holds. It is one data point, not a mean.
Negative days is a count of days the balance closed below zero across the window. A business with no window has no count. It has not proved a clean record; it has not proved anything, which is a different state and is read differently.
Existing positions are other advances already drawing on the same deposits. This is the one people find least intuitive. A statement window is how a business proves the absence of other positions — the debits are visible whether or not they are disclosed. A business with no statements cannot demonstrate that absence. The file is not clean; it is silent.
Underneath those four sits something more basic. The structure of this product is a fixed remittance against receipts, sized so that it clears the weakest normal week. A business with no receipts has nothing for the remittance to come out of, and no term, price or amount fixes that. This is a fact about the instrument, not about the applicant — and it applies identically to every pre-revenue business on the planet regardless of who owns it.
It also means the things founders reach for do not move it. A business plan is a forecast, and underwriting here does not read forecasts. Projections are the same thing with a spreadsheet. A signed contract is genuinely useful context and an underwriter will read it, but it is not the basis and it will not substitute for the basis. Personal credit of 800 does not help, because credit is not the evidence. Personal savings do not help, for the reason above.
What is true, and worth saying plainly: the same founder at month four, with four months of deposits, is an ordinary application with an ordinary chance of approval. The four-month floor exists because of the document ask rather than any theory about the business — underwriting reads four statements, and a business trading for less cannot produce them.
If the need is genuinely pre-revenue, the routes this site names are personal capital, an SBA microloan or a CDFI, equipment financing where a specific asset is the need, or a business credit card while the business credit file is built. We can size and price none of those, and the honest thing is to say so and point you at who can. On the microloan specifically, the only figure we publish is the programme's own ceiling: our SBA 7(a) statistics reference records that the SBA's Microloan programme lends up to $50,000 through non-profit intermediary lenders, from the agency's own published terms. What a given intermediary charges, requires or approves is its own question and not ours.
The abstract version above is easier to believe with a number on it, so here is a complete file worked through with every input stated. It is deliberately a small business at the floor, because that is the situation a founder reading this will be in. It carries no demographic detail because none is read.
A business opens its account in its exact legal name and starts trading. Its first four months of deposits are $9,000, $11,000, $13,000 and $16,000. The average is $12,250 a month, which clears the $10,000 floor. The weakest month is $9,000, which is 73% of the average — uneven, but not wildly so. The owner has held an average daily balance of $1,600 across the window, has no negative days, and has no other funding position.
Step one, the sizing range. The published rule is 80% to 150% of average monthly revenue, so the outer band is $9,800 to $18,375. That is a ceiling, not an offer.
Step two, the affordability cap, which is what actually decides it. Twenty-one banking days a month is the working figure. Average daily deposits across the window are $12,250 ÷ 21, or $583.33. Reading this file whole — no other position, no negative days, a steady climb and a $1,600 balance — underwriting puts the most the account can carry at $116.67 a day of remittance. That figure is this file's, not a rule; another account with the same deposits could carry more or less.
Whether that average is the right basis is itself a test. A remittance is sized to the weakest normal month when that month sits far below the window average, and the window average is used when the months sit close to it; at 73% of the average this file's weakest month is close enough, so the average stands. That test and the arithmetic that follows are the sizing method written out in full. Over a nine-month term — 189 banking days — $116.67 a day collects about $22,050, and at a 1.28 factor rate that supports an advance of $17,227. The arithmetic is (daily room × banking days) ÷ factor.
The offer. Rounded down to the nearest thousand, $17,000 on a nine-month term at a 1.28 factor — inside the $9,800 to $18,375 sizing band. Payback is $21,760, so the cost is $4,760 — a 28% cost of capital, meaning total cost on the amount funded rather than an annual rate, and one point in our published 4.5% to 45% band. A 1.20 factor on a four-month term is a 20% cost of capital by exactly the same reading; the factor rate converter does the conversion both ways. The example is worked in daily figures because remittance share is measured against average daily deposits. Daily payments are available on request, but they are not our preferred payment method.
The checks that decide whether it holds. The daily remittance is $21,760 ÷ 189, or $115.13. Against average daily deposits of $583.33 that is 19.7% — a full load for this account, priced for it, and one more position beside it would be more than the deposits can carry, which is the most common reason a file is declined. Days of cover — average daily balance divided by the daily remittance — is $1,600 ÷ $115.13, or about fourteen banking days, a sound cushion.
Read what that example says about the missing four months. Every figure in it is a measurement over the window. Remove the window and there is no average, no weakest month, no balance, no cover and no share of deposits to test. The offer does not get smaller. There is no offer to compute.
Everything below is free, and every item is something we read. A founder who does all of it arrives at month four with a file at the strong end of what a four-month file can be, and a founder who does none of it arrives with a file that understates the business. The gap between the two is real money.
Open the business account on day one, in the exact legal name registered against the EIN. A mismatch between the name on the account and the name on the entity is one of the things that stalls a file at the last step, and it is entirely avoidable at the start. The document package and the ways names go wrong covers it.
Run every dollar of revenue through that one account. Revenue that lands in a personal account, or sits in a processor balance and is swept monthly, does not appear in the statements and therefore does not exist for sizing purposes. This is the single most common reason a business is offered less than it should be, and for a new business it is also the easiest to get right, because there is no established habit to unpick.
Understand where your clock starts. Underwriting reads what is in the statements. A business incorporated in January that opens its account and takes its first deposit in April has a statement history starting in April, whatever the formation date says.
Hold a float. Average daily balance is the one number an owner can move without changing anything about the business, and in the worked example above the $1,600 balance is what produced about fourteen days of cover, a sound cushion. Paying yourself every dollar above zero on the last day of each month tells us the account has no cushion.
Keep the negative-day count at zero. On a four-month file every data point carries more weight, because there is no long history to absorb an anomaly.
Do not transfer between your own accounts. It inflates apparent deposits, it is netted out anyway, and it makes the statements harder to read.
Take no funding position before you apply. A freshly funded position is one of the reasons a file is declined, and a second position on top of a first is the mechanism that does the most damage in this industry. A first advance taken at month two to bridge to month four is the worst possible trade.
Start the business credit file in parallel, because it is slow and free. An EIN, a D-U-N-S number requested directly from Dun & Bradstreet, a consistent business name and address everywhere, and three to five accounts that actually report. The order that works, and what is being sold to you that is free is the whole sequence. It takes six to twelve months, which is why starting it in month one matters.
Write down the explanation for anything unusual — a large one-off deposit, a slow month, a legal debit — and put it in the application rather than waiting to be asked.
When month four arrives, you can send four statement PDFs or link the account read-only, whichever you prefer; what a bank link actually shares is set out separately for anyone who would rather not.
A certification is not an input to our underwriting. There is no field for it on the application, it does not move the sizing range, it does not move the price, and it does not change the four months of statements we ask for. If you hold an MBE certification and a business identical to yours in every other respect does not, the two files are read identically and priced identically. We would rather say that plainly than let a page imply otherwise.
What we will not do is describe the certifications themselves. Who certifies, what each requires, what it costs, how long it takes, whether it makes a business eligible for a named programme — none of that is knowable from where we sit, and a lender guessing at a certifying body's rules is exactly the kind of content that sends a founder down a wrong path for six weeks. Ask the certifying body, and ask the programme that requires the certification rather than the one that sells you help getting it.
There is one real, first-hand thing we can add, and it is the useful one. If a certification wins the business contract work, the effect on your funding file is indirect and entirely genuine: it shows up as deposits, in the account, in the window. That is the only channel by which any certification has ever improved an offer here.
It also brings its own timing problem, which is worth knowing before you chase it. Contract revenue frequently arrives long after the work is performed and the payroll is paid, and a business can win the contract that makes it and be broken by the gap. Capital for businesses that bill government and institutional customers is about precisely that gap.
We restate an SBA fact only where this site already publishes it with a verified source, and we name the article each one comes from so it can be checked. That rule is the whole reason this section is shorter than you might expect, and it is worth knowing which sentences below are sourced and which are simply absent.
From our SBA 7(a) statistics reference: in fiscal year 2025 the SBA guaranteed 77,600 7(a) loans for $37 billion, an average of about $477,000 a loan. The variable-rate cap is a spread over a base rate that narrows as the loan grows — 6.5 percentage points at or below $50,000, 6.0 up to $250,000, 4.5 up to $350,000 and 3.0 above it — which at a 6.75% prime rate is 13.25% down to 9.75%. The SBA guarantees up to 85% of loans of $150,000 or less and up to 75% above that; SBA Express carries a 50% guaranty and a $500,000 maximum, against $5 million for most 7(a) loans. Since January 2026 the agency no longer screens 7(a) Small Loan applications on a FICO SBSS score.
From the honest 7(a) timeline: what applies in place of that screen is the lender's own credit policy above a published debt service coverage floor of 1.0× for loans of $350,000 or less and 1.15× above; and our working model of the whole path, from first conversation to money in the account, is five to thirteen weeks for a complete, eligible file, with no agency publishing a figure for the lender's stages on either side of the SBA's own step.
Those are programme-wide facts. What we cannot tell you is whether the SBA operates any programme restricted to, reserved for or targeted at minority-owned businesses, what such a programme would require, or what it would cost. We have not verified it and we will not infer it from what other sites say. The SBA's own site and its district offices are the place to ask.
The practical shape of the comparison, which does not depend on any of the unverified part: an SBA loan is materially cheaper capital and it is slow, and this is faster capital and it is dearer. They are far more often a sequence than a choice — take the fast capital for the deadline, run the year, and apply to the bank with the results in the file. If your need has no deadline attached, wait for the loan, and we will say so if you call and ask.
Checking your options is a soft credit pull only — it leaves no mark on the score and is visible only to you. Pre-qualifying is an indication of what the business is likely to qualify for based on what has been seen so far; it is not an approval, which follows underwriting. All credit profiles may apply. Credit informs pricing and rarely blocks approval, which is why, on deals up to $2 million, 90% of complete applications that meet our requirements are approved on a decision that is not primarily a credit decision. What each kind of pull does to a file is covered in full.
Two credit facts are absolute rather than graded, and they apply to everyone. An open bankruptcy is a decline. An open, unresolved default is a decline — but a previous default that has been settled or paid off does not disqualify a business, and that distinction catches out more applicants than any score does. The question is whether the obligation is closed, not whether it ever existed.
The thing worth naming for a first-time business owner: a thin personal credit file and a thin business credit file are both ordinary in a business whose owner has not previously been extended credit, and neither is what is being read. Funding underwritten on revenue rather than on the credit file is the whole premise of the product.
This is a lending site writing about a subject where a great deal of confidently stated, unverifiable information circulates. Every legal and federal source we would need to answer the questions below is one we could not reach and confirm, so the answers are not here. Each one has an address.
Whether any federal programme is restricted to or reserved for minority-owned businesses, and on what terms. Ask the SBA directly, or an SBA district office.
What 8(a), MBE, WBE or DBE certification requires, costs or takes. Ask the certifying body for the one you want. Not a consultant who sells help with the application, and not us.
What a CDFI in your state lends, at what price, and to whom. Ask the institution. We publish no CDFI terms, because we have not verified any.
What any state or municipal programme offers. Several of the searches that reach this page name a state or a city. If a programme exists where you are, the state economic development office or the city's small business office is the only reliable source for what is open right now.
Any statistic about approval rates, denial rates, funding gaps or business formation by ownership. There are widely repeated figures in this space and we are not going to print one we have not verified. This site does publish credit-access figures from the Federal Reserve's Small Business Credit Survey — what that survey measures and what it found — and those figures are for all employer firms, with no breakdown by ownership published here.
Whether a particular bank runs a programme for minority-owned businesses. Ask the bank. We would only be speculating.
Where to find a grant. We provide financing that is repaid. We do not make grants and we are not a useful guide to them.
That list is longer than the answers we do give, and that is the correct proportion for a question this loaded. A page that answered all of it would be inventing most of it.
The application takes about ten minutes and there is no fee and no obligation. It is a soft credit pull only. Four months of business bank statements is the whole document ask on a normal request — sent as PDFs or shared by linking the account read-only.
A decision comes within 24 business hours of a complete file. On deals up to $2 million, funding follows within 24 hours of approval once the agreement is signed, and end to end one to three business days is typical; a complete file submitted before 2pm ET can fund the same day. Terms run from four months to three years, amounts from $5,000 to $10 million, and our flex line of credit, on which each draw is priced as its own advance, is sized from $10,000 to $2 million. A loan, where it fits better, we arrange with a direct lending partner, only if you choose to and at no fee to you.
If the answer is no, ask which of the three answers it is: no to the amount, no to the term, or no to the whole file. A file declined at one shape is sometimes approved at another. If we decline, we tell you why: always if you ask, and often without being asked. If the answer is that the business is not yet four months old, that is a date rather than a verdict, and the four-month list above is what to do with the time.
For anything else, the number is 518-312-0382 and somebody will tell you straight whether you should be waiting for a bank instead. Working capital from $5,000 to $10 million is the product this all describes.
A minority-owned business is funded here on exactly the bar everyone else clears: four or more months in business, $10,000 a month in revenue, a business bank account and four months of statements. There is no separate track, no different rate, no different amount and no different term, and the application does not ask about ownership demographics because they are not an input.
If the business has not traded yet, this is the wrong instrument and the reason is structural: deposit consistency, average daily balance, negative days and existing positions are all measurements over a window of statements, and a business with no window has none of them. Four months of deposits averaging $12,250 produced a $17,000 offer in the worked example above; zero months produces no arithmetic at all, whatever the business plan says.
A certification changes nothing in our file. What it can change is the contract revenue that later appears in the statements as deposits, which is the only route by which it has ever improved an offer here. And on the SBA, the state programmes, the CDFIs and the certifying bodies, this page tells you who to ask rather than guessing, because a wrong answer on any of them costs a founder weeks.
Everything in this article about what we read, what we do not read, how an offer is sized and what the application collects is the firm’s own practice, stated from the decision side. The worked example is arithmetic on inputs stated in the same paragraphs: four months of deposits at $9,000, $11,000, $13,000 and $16,000 give a $12,250 average and a $9,000 weakest month; 21 banking days a month, the published 80% to 150% sizing range, and a daily capacity of $116.67 — stated for this file rather than as a published cut-off, since the firm publishes none — produce a $17,000 advance at a 1.28 factor over a nine-month term, a $21,760 payback, a $4,760 cost — 28% of the amount funded — and a $115.13 daily remittance at 19.7% of average daily deposits, leaving about fourteen days of cover on the $1,600 average daily balance. Cost of capital throughout means total cost on the amount funded, not an annual rate. Every SBA figure here is restated from an article already published on this site that carries its own verified primary sources, and the sentence names that article so it can be checked. Nothing was fetched for this piece: the federal and legal hosts that would answer the rest of the questions people search on this subject cannot be reached from where it was written, so no programme fact was taken from a search summary, no new source was added and no citation mark was written. Where a question needed one of those facts — whether any federal, state or municipal programme is restricted to minority-owned businesses, what a certification requires or costs, what a CDFI lends, or any statistic on lending by ownership — the article names the office to ask instead of guessing.
The phrase covers three unrelated things. It can mean an ordinary lender product sold to a minority-owned business, which is what we offer: revenue-based working capital from $5,000 to $10 million, underwritten on four months of bank statements. It can mean a certification such as MBE or 8(a), which is a status conferred by a certifying body rather than money. Or it can mean a government or non-profit programme with its own eligibility and pricing. Comparing one against another is where most of the confusion in this market comes from. With us there is no separate product and no better terms available on the basis of ownership.
On the same bar as everyone else: four or more months in business, $10,000 or more in monthly revenue, a U.S.-based business with an active business checking account, a valid government-issued ID, and four months of business bank statements. There is no separate threshold. What the statements are read for is deposit consistency, average daily balance, days the account closed below zero, and any other funding position already drawing on the same deposits. On deals up to $2 million, 90% of complete applications that meet our requirements are approved across the whole book — a high rate rather than a promise, and a figure we do not break down by ownership — and checking your options is a soft credit pull only.
There is no separate minority application and no separate minority product — there is one application, on one bar, for every business. It takes about ten minutes online, with no fee and no obligation, and it is a soft credit pull only. You supply the business legal name, entity type, EIN, start date, address, industry and revenue; the owner details; and the amount, use of funds and preferred payment frequency. Then four months of business bank statements, sent as PDFs or shared by linking the account read-only. A decision comes within 24 business hours of a complete file and, on deals up to $2 million, funding within 24 hours of approval, with one to three business days typical end to end.
Not from us — and not from us for any pre-revenue business, whoever owns it. The reason is structural rather than a policy. Revenue-based underwriting reads a bank account, and a business that has not traded has no deposit pattern, no average daily balance, no negative-day count and no way to show that no other position is drawing on its deposits. There is nothing to compute, so there is no offer to make. That applies identically to every pre-revenue business regardless of ownership. Four months of deposits changes it completely. For genuinely pre-revenue needs, the routes this site names are personal capital, an SBA microloan or a CDFI, equipment financing where a specific asset is the need, or a business credit card while the business credit file is built.
No. The rate, the amount, the term and the payment rhythm come out of the same arithmetic applied to every file: revenue, deposit consistency, average daily balance, negative days and existing positions. Funding runs from $5,000 to $10 million at 80% to 150% of average monthly revenue, terms run from four months to three years, and cost of capital runs from 4.5% to 45% depending on qualifications and term length. Two identical files are priced identically. We would rather state that plainly than let a page imply there is a better deal available that there is not.
Not here. There is no field for a certification on the application, it does not move the sizing range and it does not move the price. What it can change is indirect and entirely real: if the certification wins the business contract work, that work shows up as deposits in the account, and deposits are what the offer is sized from. That is the only route by which a certification has ever improved an offer with us. What each certification requires, costs or takes is a question for the certifying body, and we do not guess at it.
We cannot tell you, and we are not going to guess. The SBA facts this site publishes are programme-wide and come from our SBA 7(a) statistics reference, which carries its own verified sources: the 7(a) rate caps by loan size, the guaranty percentages, the $5 million standard maximum, the $500,000 Express maximum and the Microloan programme lending up to $50,000 through non-profit intermediary lenders. Whether the agency operates any programme restricted to or targeted at minority-owned businesses, and on what terms, is a question for the SBA and its district offices. Asking them directly is better than anything we could infer.
At our end there are none that are specific to ownership, because the terms are the same for everyone. The benefit that is real, and that brings most people to this product, is what our underwriting does not read: not the length of a banking relationship, not the age of a credit file, and not collateral. Those three filters stop a great many healthy businesses at a bank without saying anything about whether the business can service a payment. On deals up to $2 million, we file no UCC-1 lien against the funded business and our agreements contain no confession of judgment, which is worth asking any funder about by name.
All credit profiles may apply, and credit informs pricing rather than gating approval. The application is a soft credit pull only, which leaves no mark on the score. On deals up to $2 million, 90% of complete applications that meet our requirements are approved across the whole book, which is only possible because the decision is not primarily a credit decision. Two things are absolute for everyone: an open bankruptcy is a decline, and an open, unresolved default is a decline. A previous default that has been settled or paid off does not disqualify a business. A thin personal or business credit file is ordinary in a first business and is not what is being read.
MBE is a certification status rather than a lending product, and our own minority business funding page says certifications like MBE or SBA 8(a) are run by the SBA and by state and city agencies rather than by us. Whether any lending programme carries that name where you are, and what it would require or cost, we have not verified and will not guess. We have no visibility into any of them and will not describe terms we cannot verify. The state economic development office or the city small business office is the reliable source for what is open right now where you are. What we can tell you is our own bar, which does not involve a certification at any point.
Open the business account in the exact legal name registered against the EIN and run every dollar of revenue through it, because revenue landing in a personal account or sitting in a processor balance does not appear in the statements. Hold a float rather than sweeping the account to zero, since average daily balance is the one number you can move without changing the business. Keep negative days at zero. Do not transfer between your own accounts. Take no funding position before you apply. Start the business credit file now, since it takes six to twelve months. And write down the explanation for anything unusual.
No. It asks for the business legal name, entity type, EIN, start date, address, website, industry, time in business and revenue range; the owner name, email, phone, date of birth, Social Security number, home address and ownership percentage; and the amount requested, use of funds, urgency and preferred payment frequency. There is no field for race, ethnicity, national origin or sex, because none of them is an input to the decision. The Social Security number and date of birth are there for identity verification and the soft credit pull; neither age nor any other protected characteristic is considered in the decision.
Travis Yule worked in business funding before starting Full Send Funding in 2021, and has more than five years in business funding in all. He leads the company from Middle Grove, New York, and writes about working capital from the underwriting side of the table — what the numbers actually have to say before a business gets funded.