FAQs

Think of it as a cash boost for your business.

It's not a loan, but an advance on your future sales, ideal for those with fluctuating income or lower credit scores. You get the money fast, but keep in mind, the costs can be higher than other options. Our team can explain everything clearly so you can decide if it's the right fit for you.

FundFi is a good fit for businesses that:

Receive most payments electronically: This includes restaurants, shops, service providers, and independent contractors like Uber drivers.
Need a cash boost: If traditional loans are out of reach, FundFi can help.
Have been in business for at least 3 months: We need to see some history to understand your financial health.


Not sure if you qualify? We're happy to chat and see if FundFi can help your business grow!

At FundFi, we focus on your business's health, not your personal credit score. As long as you don't have an open bankruptcy, we'll consider your application based on your business's revenue and account activity.

FundFi can give you an initial decision in minutes. Sometimes, we might need a quick chat to double-check things, but the whole process usually takes less than 10 minutes.

We know waiting stinks, so we work hard to get you an answer fast!

FundFi offers advances from $500 to $10,000 to help your business grow. We tailor the amount to your specific needs and what your business can comfortably repay, so you get the flexibility you need. Don't need the full $10,000? No problem, we can work with you!

Based on your cash flow, advances are typically reimbursed within a year through minor automatic withdrawals from your bank account.

Unlike traditional term loans, repayment for a merchant cash advance provides added flexibility. We recognize the fluctuating nature of businesses, where sales may surge for a few months and then taper off. With Fundo, you can adapt your payments to accommodate these changes.

No. FundFi Cash advances are a purchase of a percentage of your future cash flow, so a personal collateral guarantee is never required to receive funding with us.

We typically require that you have paid back at least half of your previous advance but you can also ask for a review anytime you need more funds. But, since we handle each client on an individual basis, you can also ask for a review anytime you need more funds.

Currently we do not have collaborations with all US banks at this moment, we are continuously working to broaden our coverage. We strive to provide our services to a wider range of clients.

To stay informed about the banks we currently don’t work with, you can refer to the list of banks which are not eligible. We keep this section regularly updated to ensure transparency and keep you aware of any changes in our bank partnerships.

We are committed to your privacy and the security of your personal and business information. We use state-of-the-art 256-bit encryption and scan our site daily for malware while maintaining the highest standards of cyber-security.

We are a partner of Plaid who is the industry leader who makes it possible to securely connect to your banking institution.

Rest assured, Plaid takes the security and privacy of your financial data seriously. Their systems are designed with state-of-the-art encryption and security protocols, ensuring that your information is protected at all times. Your bank account data is securely fetched through Plaid's API, allowing us to access the necessary financial reports, transactions, and balances needed for our automated decisioning process.

We understand the importance of maintaining the confidentiality of your information. As a Plaid partner, we adhere to stringent data protection policies and procedures to ensure that your data is handled in a secure and responsible manner. Your trust and privacy are our top priorities.

Utilizing Plaid to provide us with your bank data will not impact your credit history. The information we acquire through Plaid is solely used to assess your eligibility for our cash advance services and does not involve any credit checks.