Honest answers, no runaround.
The questions every owner asks before they trust someone with their funding. Straight answers below — and if yours isn't here, just ask.
How FundFit works
What exactly is FundFit?
FundFit is an independent business funding advisor. You tell us what you need, we run one application across a network of vetted lenders, and Kevin walks you through the real offers that come back. We're not a bank and not a faceless form — a real human guides the whole thing.
How does FundFit make money?
Lenders pay a commission on funded deals. You don't pay us a fee to get matched or advised. Because we're paid by the lender on a deal that actually closes, our incentive is to get you funding you can actually use — not to push you into something that hurts you.
Who do I actually talk to?
Kevin. He reads the messages, makes the calls, and tells you what's realistic for your profile — including when the honest answer is 'wait' or 'fix this first.'
Qualifying & cost
What do I need to qualify?
Most programs want roughly 6+ months in business, $10K+ in monthly revenue, and a 500+ personal credit score. Stronger numbers open more options at better rates. If you're under the line, we'll tell you exactly what to improve and when to come back.
Will pre-qualifying hurt my credit?
No. The 60-second pre-qualify is just a few questions about your business — there's no credit pull at that stage. A hard inquiry only happens later, with your go-ahead, when you choose to move forward on a specific offer.
What will it cost?
It depends on the product and your profile — SBA can be Prime + 2–3%, working capital is higher. We show you the real cost (APR, not a vague 'factor rate') before you commit, and we run the actual math with you.
How fast can I get funded?
Working capital and lines of credit often fund in 1–3 business days. Equipment in 2–5. SBA is the slow one at roughly 30–45 days because it's cheaper money with deeper underwriting.
Trust & the fine print
Is this a merchant cash advance (MCA)?
No. We broker real loans and lines of credit. MCAs — daily/weekly ACH withdrawals, 'factor rates' instead of APR, confessions of judgment — are exactly what we steer people away from. If you're already stuck in one, ask us about refinancing into something sane.
I've been turned down by my bank. Can you still help?
That's most of who we help. Banks decline the majority of small business applications; the funding usually still exists elsewhere. We know where to look and how to position your file.
Do you work with newer businesses or lower credit?
Often, yes — equipment financing and revenue-based options exist for thinner files. The terms reflect the risk, and we'll be straight with you about what that looks like.
Is my information secure?
We use encryption in transit, don't sell your personal information, and only share your details with lenders that match your profile. See our Privacy Policy for the specifics.
Still have a question?
Pre-qualify in 60 seconds — or just message Kevin directly. Free advice, no pressure.