Compare business funding before you apply

An advance buys a share of your future receivables rather than lending you money, so it is priced with a factor rate instead of an APR and there is no fixed maturity date. That makes it faster to get and available at lower credit scores, and usually more expensive than a term loan once you convert the cost to an annualised figure. Ask any funder for the total repayment amount in dollars before you sign, because a factor rate of 1.35 on $50,000 means you repay $67,500 regardless of how quickly you clear it.

Because the funder does not publish that figure. Of the 58 funders listed here, 43 state no minimum credit score anywhere on their site and 22 publish no funding range at all. We show the gap rather than filling it with an industry average, since a made-up threshold would send you to the wrong funder. Where a funder contradicts itself across its own pages — and a few do — we record nothing and note the conflict on its profile.

Submitting an enquiry to Find Me Funders does not trigger a credit check. Four funders in this directory state they use soft pulls only, or no credit check at all, during underwriting, and that is noted on their profiles. A funder may run a hard pull later in its own process, and if so it has to tell you before it does.

Yes, for businesses. Funders pay us when a referral results in funding, which is how the directory is funded and why our featured partner is labelled Partner wherever it appears. That arrangement pays for the listings; it does not change the published figures in them, which come from each funder's own disclosures.

Most funders in this directory ask for recent business bank statements, a valid business checking account, and basic details about the business and its owner. Fourteen of the 58 publish a minimum monthly revenue, and eleven of those sit between $10,000 and $20,000. Having statements ready is usually the difference between a same-day decision and a week of back-and-forth.

Seven funders here publish a minimum at or below 525, and several state no FICO requirement at all, underwriting on bank deposits instead. Lower credit generally means a higher factor rate and a shorter term rather than a refusal. Use the credit filter to see only the funders whose published bar you clear — it deliberately excludes funders that publish nothing, so the list you get is the one you can actually verify.

It records what each small business funder publishes about its own criteria — amounts, pricing basis, time in business, revenue minimums, what it will not fund — and scores each one on how much of that it publishes at all. Then it shows you the gaps.

No. Find Me Funders is a directory and does not lend, make credit decisions or set terms. Everything here describes what other companies publish about themselves.

Find Me Funders is free to use. We earn a fee from some funders when a business we refer goes on to receive funding, and a funder can pay for a placement, which is always labelled. Neither changes a disclosure score, a ranking position or what a page says — scores are computed from published fields, not from commercial relationships.

Because most of them do not publish a price. Roughly one in eight lender product records in this directory publishes any pricing figure at all. That is a finding about the market, not a gap in the research, and it is why the disclosure score exists.

No. Browsing does nothing, and the qualification form asks no questions that require a credit pull. If you later apply directly with a funder, that funder decides what checks it runs and when.

No. The qualification form collects the minimum needed to tell you which funders would consider a business like yours. No lender sees your details unless you ask us to send them, and we do not ask for a Social Security number, bank credentials or documents.

Every figure carries the date it was checked and, where relevant, a review date. When a check passes its review date the page says so rather than continuing to present as current. That is deliberately more honest than a site-wide 'updated today' stamp.

Yes, two to four at a time, and the comparison refuses to put a factor rate and an APR in the same column because they measure different things.

Tell us and we will check it against the source. Corrections are logged with the date and what changed, and the page records that it was corrected.