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Fundlyft is a trusted provider of working capital for small businesses across the U.S. Since 2008, we've helped tens of thousands of business owners access fast, flexible funding designed to support their growth.
Revenue-based financing gives businesses upfront working capital in exchange for a fixed portion of future revenue. Repayment happens through a set percentage of sales, typically via daily or weekly payments, until the total amount is fully repaid. Learn more at www.whatisrevenuebasedfinancing.com.
Revenue-based financing doesn't have an interest rate, fixed term, or true APR. Instead, each customer agrees to repay a fixed total amount, regardless of how long repayment takes.
APR assumes consistent payments over a set period, which doesn't apply to our model. If a business's revenue drops, payments can be reduced or refunded, extending the payment timeline. This built-in flexibility is one of the key advantages of revenue-based financing.
Because APR calculations don’t reflect these features or the adaptability of our product, they aren’t an accurate way to measure its cost.
Applying with Fundlyft won’t affect your personal credit score—we only perform a soft credit check for the owner. However, we do run a hard inquiry on the business, which may impact your business credit score.
Typically, to qualify with Fundlyft, you must be a US-based business with:
✓ 1 year minimum time in business
✓ At least $10,000 in monthly revenue
✓ 500+ credit score
Rarely, our underwriting team may decide to extend eligibility to businesses who do not meet all of these criteria.