Frequently asked questions

Yes. All data and documents are encrypted, stored securely using enterprise-grade infrastructure, and only accessible to authorized team members.

You can reach out to your assigned Fundwell specialist directly from your dashboard, or call our support line at 1-800-613-0257 for immediate assistance.

Yes. Once funded, you’ll see your active loan details, current balance, percentage paid off, and estimated payoff date.

Click into your offer for full details, then follow the prompts to accept and finalize the next steps. Your specialist is also available to walk you through the process.

Yes. The portal highlights key terms, approved amounts, and expiration dates so you can compare offers side by side and move forward with confidence.

Once approved, we’ll send you a secure login link via email. You can access the portal anytime from your desktop or mobile device.

You can view your tailored funding offers, track application progress, complete required tasks, upload documents, and reach out to your dedicated Fundwell specialist all from one place.

Click the “Forgot password?” link on the portal login page to reset your credentials. If you still need help, reach out to our support team at 1-800-613-0257 and we’ll get you back in right away.

The Fundwell portal is your personal dashboard to view and manage financing offers, track applications, complete tasks, and upload documents. You’ll get instant access as soon as your application is approved.

Yes. Fundwell also offers business lines of credit, revenue-based financing, SBA loans, and non-dilutive capital with fast approval and flexible structures.

No, checking your eligibility through Fundwell will not impact your credit score. We only use a soft credit pull during the approval process.

Maintain steady monthly revenue over $10K, avoid recent defaults, and ensure your business bank account shows healthy cash flow. Submitting clean documentation and bank statements with no recent overdrafts helps significantly.

Yes, and many offers through Fundwell include no prepayment penalties. Some funders even offer early payoff discounts or prorated interest refunds.

Fundwell’s application takes just minutes, and most approved applicants receive matched offers within hours. Depending on the lender and documentation, funding can occur in 24 hours or less.

Most loans available through Fundwell are unsecured and do not require physical collateral; however, some lenders may require a UCC filing or business lien, especially for larger amounts.

We prioritize clear and honest terms. Most offers come with no hidden fees, and Fundwell does not charge fees directly to business owners.

Small business term loans typically come with fixed interest rates that remain consistent throughout the life of the loan. The exact rate depends on your credit profile, loan amount, and term length, but Fundwell only matches you with offers that clearly disclose all costs upfront.

A small business term loan provides a lump sum of capital that you repay over a set period, typically with fixed payments. It’s ideal for businesses looking to make investments or manage cash flow with predictable repayment terms.

Terms typically range from 6 to 24 months, with some offers extending to 36 months for larger or lower-risk loans.

Fundwell works with businesses that have at least $10,000 in monthly revenue, 6+ months in business, and a personal FICO score over 500.

In many cases, you can access funds the same day you’re approved. Once your line is active, you can draw funds anytime through your Fundwell portal.

Some offers may include a small monthly maintenance or draw fee, but Fundwell will always show you the total cost structure clearly. There are no hidden fees or surprises.

A line of credit is ideal for managing payroll, covering seasonal fluctuations, purchasing inventory, or bridging the gap between payables and receivables.

Submitting incomplete or outdated bank statements, applying too early in your business journey, or having recent overdrafts can reduce your chances of approval.

Your limit is based on your average monthly revenue, time in business, credit profile, and overall financial health. We review your recent business performance to match you with the most appropriate credit line.

Yes. If you use your credit line responsibly and make consistent payments, you may become eligible for a higher limit as your business grows.

Repayment is based on what you draw, not your total limit. Payments are typically made on a weekly or monthly schedule, and as you pay down your balance, your available credit is restored.

Fundwell lines of credit feature transparent pricing with fixed or simple interest on drawn amounts. Some offers may include small draw or maintenance fees, but you'll always see the full terms upfront.

A business line of credit is a flexible financing option that lets you draw funds up to a set limit and repay only what you use. As you repay, the available credit replenishes, giving your business ongoing access to working capital.

Fundwell requires at least $10,000 in average monthly revenue, 6 to 12 months in business, and a personal credit score starting at 550, depending on risk profile and lender guidelines.

No physical collateral is required. In most cases, your credit line is unsecured and backed by your business performance.

Unlike a term loan, which has fixed repayment amounts over a set schedule, revenue-based financing is repaid through a percentage of your business’s sales. This means payments rise and fall with your revenue, which can offer added breathing room during slower months.

If your business slows down, your repayment amount automatically adjusts to reflect the reduced revenue. Fundwell only partners with financing providers who work with you, not against you, during tough periods.

Yes. Depending on your goals and business profile, you may also be eligible for a term loan, business line of credit, or a SBA loan. Fundwell helps you compare offers across multiple financing types, all in one place.

Once approved, funds can be delivered in as fast as 24 hours. Our application is quick, and many businesses receive same-day offers through the Fundwell platform.

Because payments are based on your actual revenue, they scale with your business performance. This structure helps preserve your cash flow during slower periods while allowing you to accelerate repayment when sales are strong.

Repayment terms generally range from 6 to 12 months, depending on your revenue, advance size, and payback percentage. Fundwell will show you the full structure before you commit to anything.

Most businesses qualify with at least $10,000 in average monthly revenue, 6 months or more in operation, and a personal credit score of 500 or above. Fundwell works with a wide range of industries and business types.

Repayment is based on a fixed percentage of your future daily or weekly revenue until the total payback amount is reached. You never pay more than the agreed total, and payments automatically adjust with your sales.

Revenue-based financing provides a lump sum of capital in exchange for a percentage of your future business revenue. Instead of fixed payments, repayment adjusts with your sales volume, giving you more flexibility during slower periods.

SBA loan timelines can vary, but it typically takes 30 to 90 days from application to funding. With Fundwell, we help you get everything right upfront so there are no unnecessary delays.

Yes. The SBA offers dedicated programs and enhanced support for veteran-owned and minority-owned businesses. Fundwell can help you navigate these options to ensure you receive the maximum benefit.

If you need fast access to working capital while waiting on an SBA loan, Fundwell can connect you with short-term financing options like revenue-based financing, small business loans, non-dilutive funding, or a business line of credit. These bridge solutions can help keep your operations running smoothly until your SBA loan is finalized.

SBA loans require more documentation than other funding types, including tax returns, financial statements, business plans, and personal background info. Fundwell serves as your expert guide throughout the process, using our deep lender relationships and hands-on support to simplify every step.

Repayment terms can range from 10 to 25 years depending on the SBA loan purpose. Working capital SBA loans often run 10 years, while real estate and equipment loans can extend up to 25 years.

SBA loans offer some of the most competitive rates available to small businesses, with interest typically tied to the prime rate plus a small margin. Fees are modest and fully disclosed before funding, often rolled into the loan amount.

The most common SBA loan programs include the SBA 7(a), 504, and Microloan. Each program serves different needs, from general working capital and refinancing to equipment and commercial real estate purchases with varying terms and structures.

SBA loans typically range from $50,000 to $5 million, depending on the loan type and your business’s financial profile. Fundwell helps match you with the right program and loan size for your growth goals.

Eligibility is based on your business’s size, industry, time in operation, credit history, and ability to repay. You must also be a US-based business operating for profit and meet SBA guidelines for revenue and ownership.

We don’t take equity, require board seats, or slow you down with red tape. Fundwell delivers enterprise-aligned capital faster than banks and without the dilution or control terms common in venture debt.

We tailor solutions across a range of structures including senior secured, subordinated, unsecured, asset-based lending, and off-balance sheet financing. The right structure depends on your objectives, risk profile, and existing obligations.

No equity, warrants, or dilution are involved; ownership remains fully yours. Most structures do not require personal guarantees, and collateral requirements depend on the deal type.

Non-dilutive capital is used for inventory financing, acquisitions, working capital, recapitalizations, and time-sensitive opportunities. It's also a valuable bridge when you're between equity rounds or planning a liquidity event.

Yes. We regularly structure junior capital and unsecured advances that accommodate businesses with existing lenders, tax issues, or complex credit profiles.

Most transactions close in 3 to 4 business days, depending on deal complexity. Our capital partners move with precision, and Fundwell manages the process end-to-end to keep it efficient.

These solutions are ideal for established or high-growth companies with strong leadership, meaningful revenue, and a clear use of funds. We work with businesses seeking $250,000 to over $25 million in capital for opportunistic growth, refinancing, or major liquidity events.

Non-dilutive capital is growth-focused financing that allows your business to raise strategic funds without giving up equity. Fundwell connects qualified companies to structured debt solutions that align with performance and enterprise value, delivered quickly and on clear terms.

We only partner with reputable, compliant lenders who meet our standards for transparency, reliability, and data security. We evaluate partners regularly to ensure they maintain best practices in data protection.

Fundwell uses a soft credit pull to assess eligibility, which does not impact your credit score.

Yes, your security is our top priority. Fundwell uses bank-level encryption, secure cloud infrastructure, and strict internal access controls to safeguard your information at every step. All data is encrypted both in transit and at rest.

Yes, and we encourage it. Unlike automated platforms, Fundwell pairs you with a real funding advisor, that you can speak to as much or as little as you’d like to talk through your options, answer questions, and make sure you feel confident about your decision.

Fundwell works with a wide range of industries, from retail and healthcare to professional services and technology. We specialize in serving small and medium-sized businesses generating over $100K in annual revenue.

Yes. Loan amounts typically range from $5,000 to $25,000,000, depending on the type of financing, your revenue, and how long you've been in business. Higher amounts are available for non-dilutive growth financing.

Traditional bank loans can take weeks or months to secure and often require extensive documentation. Fundwell partners with a range of lenders and uses intelligent matching to reduce friction and provide you with a faster, simpler, and more flexible experience for small business owners.

While we don’t offer “instant funding” in the same-day debit card format, our streamlined application, flexible lender network, and fast approvals mean many businesses receive funding within 24 hours.

Our process is simple:Submit your application online in minutes.We match you with lenders based on your unique business profile.You review and accept the best-fit offer in one simple portal.Upon approval, funds are transferred directly to your account. Often within 24 hours.

Fundwell can provide funding in as little as 24 hours after approval. Once your application is submitted and matched with a suitable lender, we move fast, so your business doesn't have to wait.

Yes. You can speak to a real person by calling 1-800-613-0257 during business hours (Eastern Standard Time). We’re here to support you and make sure you stay on track.

We understand that business cash flow can fluctuate. If your revenue drops significantly or you’re having trouble keeping up with payments, contact us as soon as possible so we can review your options and work with your funding provider on your behalf.

Our customer support team is here to help. You can reach us directly at 1-800-613-0257 or reply to any email from your Fundwell advisor.

Eligibility for renewal depends on your repayment history, time since funding, and updated revenue. Many businesses become eligible once they’ve repaid 50% or more of their original balance.

To update your bank account, contact us directly so we can securely verify your new information and assist with the update. For business info like address, ownership, or contact details, you can either update your profile in the portal or reach out to our support team.

You can request additional funding by logging into your Fundwell portal and submitting a renewal request. If you're eligible, we’ll present new offers based on your most recent financials, often without needing a full reapplication.

If you need to adjust your payment schedule, contact your Fundwell specialist directly or by calling 1-800-613-0257. We’ll work with your funding provider to see what options are available.

Yes. Most Fundwell financing options have no prepayment penalties, and some may even offer early payoff discounts depending on your funding agreement.

You can view your repayment schedule, remaining balance, and recent payment history by logging into your Fundwell portal. If your funding was provided by one of our partners, the portal will also link you to their system for full visibility.