Funded $85K
Alicia M.
Café Owner — Austin, TX
"
Funded in under 48 hours to renovate the second location. My bank wanted 60 days of paperwork — iFundYou wanted three months of statements.
Now Funding — Q3 2026
Capital that moves at the speed of your business.
From $50K to $3M in as little as 4 hours. No hard credit pull. No hidden fees.
Scroll ↓
500+
Businesses Funded
75+
Direct Lenders
4h
Fastest Funding
0
Impact to Credit
How It Works
A clear path from application to funding.
Four steps. No paperwork gauntlet, no hard credit pull, no waiting weeks for an underwriter. Move as fast as you send documents — often the same business day.
01
Apply
60-second online form. Soft pull only — no impact to your credit score.
02
Review
A dedicated funding advisor calls to confirm your goals and pull the last 3 months of bank statements.
03
Compare offers
Multiple offers from 75+ lenders, presented side-by-side. You pick the rate, term, and structure that fit.
04
Funded
Sign electronically. Funds wired to your business account once documents are complete — typically same business day.
Our Promises
No surprises. Ever.
No hidden fees.
No application fees. No prepayment penalties on term loans. Every rate and factor disclosed in writing before you sign.
Soft pull only.
We check your rate without touching your credit score. A hard pull only happens if you accept an offer that requires one.
Your data stays yours.
Bank-level 256-bit encryption. We never sell your information. Request deletion of your data at any time.
Read our privacy policy · terms of service
The Difference
Why operators pick iFundYou over banks and direct lenders.
We shop 75+ vetted funders in parallel. Banks quote one product on their terms. Single direct lenders quote one product on theirs. We compete offers so you pick the best.
Recommended iFundYou | Old way Traditional Bank | One shot Single Direct Lender | |
|---|---|---|---|
| Time to funding | ✓ As fast as 4 hours | 4 – 12 weeks | 24 – 72 hours |
| Approval rate | ✓ ~90% with revenue $15K+/mo | ~27% (SBA/bank) | 40 – 60% |
| Credit requirement | ✓ No minimum FICO | 680+ typical | 600+ typical |
| Credit pull to apply | ✓ Soft — no impact | Hard pull required | Often hard pull |
| Offers shopped | ✓ 75+ lenders in parallel | 1 (the bank) | 1 (that lender only) |
| Application | ✓ 60-second form, no paperwork | Full tax returns, financials, business plan | Standard docs |
| Products offered | ✓ MCA, term loans, LOC, SBA, equipment, invoice | Term loans, SBA only | Usually MCA only |
| Funding range | ✓ $10K – $3M | $50K – $3M (if approved) | $5K – $500K |
Figures reflect typical industry benchmarks and iFundYou's client outcomes.
Do You Qualify?
Simple requirements. No paperwork gauntlet.
We look at real business activity, not just credit score. If you meet the basics below, you'll likely see multiple offers within one business day.
01
Time in business
3 months minimum. New businesses considered with strong revenue.
02
Monthly revenue
$15,000+ in gross monthly deposits. Higher revenue unlocks more products.
03
US-based
Registered US business (LLC, S-Corp, C-Corp, sole prop) with a business bank account.
04
Credit score
No minimum FICO required. Soft pull only — no impact to your credit for initial offer.
What you'll upload
3 months of business bank statements. That's it.
Specialized by sector.
We understand the nuances of your business. Our underwriting adapts to industry-specific cash flow cycles — from seasonal restaurants to freight-cycle trucking.
Retail & E-Commerce
Restaurants & Food Services
Construction & Contracting
Healthcare & Medical Services
Professional Services
Logistics & Transportation
Real Estate & Property Services
Manufacturing & Distribution
Real Business Owners
From single-truck operators to multi-location franchises, we've funded businesses just like yours.
"They funded our fleet expansion in 18 hours when the banks said no."
Logistics operator, FL
Operator Stories
Built for the businesses banks overlook.
Real capital, deployed to real operators. Names abbreviated to protect client privacy.
Funded $140K
Marcus D.
Owner Operator — Long Haul
"
Bought my second truck outright with the term loan. No hard credit pull, no BS. Money hit before I finished my next run.
Funded $275K
Ethan K.
General Contractor — Denver, CO
"
The line of credit let us bid three commercial jobs we would have passed on. Won two of them. Total game changer for our shop.