A real funding advisor on your side — underwriting based on your revenue, not your personal assets. Apply in 5 minutes, hear back in hours.
Your house, your car, your savings — none of it is on the line. We underwrite based on your business revenue, not your personal balance sheet.
A dedicated funding specialist works your file — not an algorithm. You get real answers, real advocacy, and a human who picks up the phone.
Cash flow matters more than credit score here. If your business is generating revenue, we can usually get you funded — even if the banks have said no.
Factual comparison across the five largest SMB lenders. Green checks are backed by published product terms.
| Feature | Four Point Group | Lendio ↗ | Bluevine ↗ | Fundbox ↗ | Kabbage | SmartBiz |
|---|---|---|---|---|---|---|
| No Collateral Required | ✓ | ✗ | ✓ | ✓ | ✓ | ✗ |
| Human Advisor | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Revenue-Based Underwriting | ✓ | ✗ | ✗ | ~ | ✗ | ✗ |
| Funding Range | $10K – $3M | up to $5M | up to $250K | up to $150K | up to $250K | up to $5M |
| Decisions in Days | ✓ | ~ | ✓ | ✓ | ✓ | ✗ |
~ = partial — Fundbox uses accounting data but still requires 600+ FICO and is fully automated. Lendio's marketplace varies by lender.
Funding built for your industry:
We've streamlined the entire process so you can get funded and get back to business.
Tell us about your business. Our secure online form takes less than 5 minutes and won't impact your credit score.
We connect you with top funders to compare competitive, pre-approved options — often within a few hours.
Once you choose the best offer, funds are wired directly to your account — often within 24-48 hours.
No credit check. No commitment. Just a real number based on your business.
Based on your monthly revenue, a revolving line of credit gives you flexible access to capital as you grow — draw what you need, pay back as cash flows.
The 1-page guide that tells you exactly what documents to gather, which product fits your business, and what knocks you out before you've even started. We'll email it instantly.
Soft pull only — no impact to your credit score. A funding advisor reviews your file within 24 hours.
Review the three funding structures in our calculator, then continue to the same short pre-qualifier below.
Best fit: Early-stage businesses or businesses with variable revenue that want payments to flex with cash flow.
Eligibility lens: Underwriting reviews revenue consistency, time in business, credit, and overall cash flow.
Best fit: Businesses with 2+ years of operating history and good or excellent credit that know how they will use a lump sum.
Eligibility lens: Strong credit and established revenue can support this fit; final terms depend on underwriting.
Best fit: Established businesses that need flexible working capital for inventory, seasonal gaps, or short-term expenses.
Eligibility lens: Recurring revenue and capacity to service draws matter; the calculator uses this as the flexible default when other signals do not apply.
Illustrative ranges only. Actual terms and eligibility are determined by underwriting, and funding is not guaranteed.
An advisor will reach out within 1 business day. Complete the full application below to move faster.
Takes ~5 minutes. The more detail you provide, the faster we can move.
While banks deliberate for weeks, we deliver offers in hours. Opportunity doesn't wait — and neither should you.
Our revenue-based options mean you don't have to pledge personal assets. We succeed when you succeed.
Forget rigid bank loans. Our financing solutions work with your business's natural cash flow, not against it.
You get a dedicated funding advisor, not a chatbot. We're real people committed to helping your business grow.
Generally $10,000/month in gross revenue over the past 3–6 months. We focus on your actual cash flow, not just a credit score — so if your business is generating consistent revenue, we want to talk. There's no harm in applying to find out.
Most of our funding options require at least 6 months in business. Some products are available at 3 months. Startups with no revenue history aren't a fit yet — but if you're past the first few months and generating sales, we likely have something for you.
To get started, you'll need: 3–6 months of business bank statements, basic business info (EIN, formation date, industry), and contact details. No tax returns required upfront. Your advisor will guide you through any additional docs once we review your file.
The initial application is a soft pull only — it does not affect your credit score. A hard pull is only initiated with your explicit consent if you decide to move forward with a specific offer. Most people find out where they stand with zero impact to their credit.
Three things: no personal collateral, a human advisor (not a chatbot or algorithm), and revenue-based underwriting. None of the major platforms offer all three together. Fundbox is fully automated — no human ever touches your file. Lendio uses brokers, not advisors. Kabbage runs entirely through algorithms. We're different on purpose: your house is not part of this conversation.
Most clients receive offers within 24–48 hours of submitting their application. Once you accept an offer, funds are typically wired to your account within 1–3 business days. Exact timing depends on your bank and the funding product — your advisor will give you a realistic timeline upfront.
No. Applying is completely free. There are no upfront fees, no application fees, and no obligation to accept any offer. You only pay if you close on funding — and all terms are disclosed clearly before you sign anything.
Still have questions?
Talk to an AdvisorGood capital doesn't just fill a gap — it solves a problem, creates a job, funds a hire, opens a location. That's the kind of funding we arrange. Capital that keeps Main Street moving.