How it works
One application, about ten minutes. Business basics, three months of bank statements, and what you need the money for. Save and finish later if you get pulled away.
We assemble your application the way underwriters want to read it, then match it against what each funder on our panel approves, so it goes where it has a real shot.
Your file goes to a small number of matched funders in sequence, not blasted to thirty inboxes. Every application gets a real review. The decisions are theirs, and we tell you what came back.
Offers come back with the numbers laid out plainly. Pick one, pick none, ask questions. The funder you choose contracts with you directly and sends funds directly to you.
Straight answers
Useful Funding doesn’t lend money. Third-party funders review your file, make the decisions, and fund you directly. Our job is knowing which of them will say yes to a file like yours, and packaging it so they do.
No application fee, no processing fee, no fee of any kind, ever. We’re compensated by the funder when a deal closes. If nothing funds, you owe nothing.
A few matched funders in sequence, not a blast to every inbox in the industry. Fewer strangers calling you, better standing for your file, and a record of exactly what went where.
Qualifications
Funders on our panel generally want to see a real operating business with steady deposits. Perfect credit is not the bar. The file is reviewed as a whole.
Check the criteria| Time in business | 6+ months |
| Monthly revenue | $15,000+ |
| Business bank account | Required |
| Minimum credit score | None to be considered |
Typical guidelines across our funder panel. Each funder sets its own criteria.