Get matched to your best lender — in minutes.
Answer 3 quick questions. Our system instantly matches you with lenders — then screens your business for unclaimed tax credits worth $50K–$200K. Free. No hard credit pull.
What best describes you?
Three steps to funded.
No paperwork stacks. No callbacks. No guessing which lender to try. Our system does the matching — you just say yes.
Answer 6 quick questions
Tell us how much you need, your estimated credit score, and your monthly revenue. Takes under 2 minutes. No documents required.
Get instantly matched
Our system cross-references your profile against 50+ lenders in real time — filtering by credit, revenue, state, and loan size to surface your best options.
Apply and get funded
Review your matched lenders, submit your application with one click, and track your status live. Many lenders decide within 24 hours.
Built for business owners, not bankers.
We've replaced the old broker model with a system that's faster, smarter, and completely free to use.
Instant AI matching
Real-time analysis against 50+ lenders. See your matches in seconds — not days.
No hard credit pull
Checking your options is completely soft — zero impact to your personal credit score.
Automatic backup options
If your top match declines, your next best option automatically steps in. No starting over.
All credit types welcome
From 500 to 800+. Revenue-based lenders available for businesses with imperfect credit.
Same-day decisions available
Many of our short-term lenders approve within 4–24 hours and fund within 1–3 business days.
Completely free for you
Fundwise earns a referral fee from lenders — you pay nothing extra. Same rates as going direct.
Every type of funding your business needs
From day-one startups to established operators, real estate investors to restaurants — we match you to the right product across our network. One application, the full menu of options.
SBA Loans
Long terms, low rates. SBA 7(a) and 504 for established businesses.
Term Loans
Fixed payments, predictable. 1–5 year terms for growth and expansion.
Business Lines of Credit
Draw what you need, pay only on what you use. Revolving access.
Revenue-Based Financing
Funding tied to monthly revenue. Approval in hours, not weeks.
Equipment Financing
Fund vehicles, machinery, and equipment. The asset is the collateral.
Invoice Factoring
Turn unpaid invoices into immediate cash. No debt added.
Commercial Real Estate
Acquisition, refinance, and bridge loans for owner-occupied and investment properties.
Fix & Flip / DSCR
Investor loans for rehab projects and rental property cash flow.
HELOC & Home Equity
Tap home equity to fund your business — often the lowest-cost capital available.
Startup Funding
0% intro APR business credit stacks for new businesses with no revenue yet.
Personal Loans for Business
Use personal credit to fund business needs when business credit isn't ready.
Money Stacker (Tax Credits)
Free money. We scan your business for unclaimed FICA, ERTC, R&D, and WOTC credits.
Not sure which one fits? Take the 60-second quiz above — we'll match you automatically.
We don't just find you a loan. We find you every dollar your business has already earned.
After you apply for funding, our AI screens your business for unclaimed tax credits — FICA, ERTC, R&D, WOTC, and more. Most businesses are sitting on $50K–$200K they didn't know existed.
FICA Tip Credit
Restaurants & hospitality businesses with tipped employees.
ERTC Recovery
Employee Retention Credits from 2020–2021 still claimable.
R&D Tax Credit
Product, software, or process innovation work qualifies.
WOTC
Hiring credits for qualifying new employees.
Pay nothing unless we recover money for you.
Certified tax specialists handle the entire claim process on contingency. No upfront fees, no risk.
Estimates only. Actual recovery varies and is determined by certified tax specialists.
Business owners funded every day.
These are real stories from real business owners who used Fundwise to find their funding.
“I was rejected by two banks. Fundwise matched me to a lender I'd never heard of and I was funded in 3 days. $85,000 for equipment. Couldn't believe how easy it was.”
“My credit isn't great — around 610. Fundwise still found me a revenue-based lender who looked at my sales history instead. Got $40k to expand my restaurant.”
“The 3-question quiz took 90 seconds. I got matched to 4 lenders, picked the best rate, and had $120k in my account within a week. This should be how all business lending works.”
Questions we get a lot.
If it's not here, reach us at support@fundwise.com.
Ready to find your funding?
It takes 3 questions and under 2 minutes. See which lenders will approve you — for free, right now.
Start My Free Match