Here's how it actually works
Three steps, start to finish, through our funding partner iFundYou. You can stop at any point, and nothing here affects your credit score.
- 01
You answer a few questions
How much you need, what it's for, how long you've been open, roughly what the business brings in. About 60 seconds. It's free, and the initial review uses a soft credit pull that does not affect your credit score.
- 02
A specialist compares the market for you
Our funding partner iFundYou reviews your one-page DocuSign application and roughly 3 months of business bank statements — no tax returns upfront — and compares options across a network of 75+ lenders.
- 03
You talk terms with the provider
If options fit, you're connected directly with the funding provider to review rates, terms and next steps. Some businesses receive funds in as little as 4 hours after approval. Approval, amount and timing are always the provider's decision.
Why we built FundLift
Most small business owners we talk to have the same story: the revenue is there, the bank's timeline isn't. By the time an application clears, the reason they needed the money has already passed.
We're not a lender and we won't pretend to be one. What we do is ask the handful of questions that actually determine whether funding is realistic, and pass that to a partner who can check it against a real lender network — instead of leaving you to fill out the same form fifteen times.
If we're not a fit, we'll say so on the spot rather than sell your information around.
— The FundLift team
60-second application. The initial review uses a soft credit pull and does not affect your credit score.