What happens when I click “Apply Now”?
You'll complete a short prequalification, then be handed off to our vetted lending partner's secure application. They review your business and match you with the right lender from their network. No Fee Funding doesn't charge you any fee for this referral.
Does No Fee Funding charge borrowers anything?
No. Ever. We're paid a referral fee by the lending side when you close — never by you. You get the lender's actual rate with no broker markup added by us.
Is No Fee Funding a lender?
No. We're a funding facilitator. We help match you with vetted lending partners who make the credit decision and fund the loan. We don't lend our own money or collect your documents.
Will checking my options affect my credit score?
No. Prequalification uses a soft credit inquiry that does not affect your score. A hard pull only happens later in underwriting, with your consent.
How much funding can I get?
It depends on the product and your business, but our partner network funds from about $10,000 up to $5,000,000. SBA and commercial real estate reach the high end; lines of credit and equipment financing start lower.
How fast can I get funded?
Some products approve same-day and fund in 24–72 hours. SBA loans typically take 60–75 days through Preferred Lending Partners. It depends on the product and how complete your documents are.
What documents will I need?
Usually the last 3–4 months of business bank statements, your ID and EIN, and — for larger or SBA loans — business tax returns and a year-to-date P&L. Coming prepared shortens the timeline.
What credit score do I need?
It varies by product. Many online products approve in the 600s (or lower with strong revenue); SBA approvals usually start in the high-600s. Lenders weigh cash flow and time in business heavily.
Can I refinance existing high-cost debt?
Often, yes. Consolidating merchant cash advances or high-rate debt into one affordable payment is one of the most common reasons our borrowers apply.
What if I've been turned down before?
A prior decline doesn't disqualify you. Different lenders have different appetites, and our partner network spans many credit profiles. It's worth checking your options again.
How does No Fee Funding make money if it's free for me?
Our lending partners pay us a referral fee when a loan closes. That's the entire model — which is exactly why we can route you to the lender's real rate with nothing added.
Is my information secure?
Yes. Your information is transmitted securely and shared only with the lending partner processing your application. See our Privacy Policy for details on how we handle your data.
