Fundseta
Check eligibility
Funding built for the 2026 cash crunch

When the bank says no…
Alternative funding says yes!

Tariffs, fuel costs, and tighter credit are squeezing good businesses. Fundseta matches you to a real funding path in about 60 seconds — no obligation, no hard credit pull to check.

See what you qualify for → How it works
Rated #1 in non-bank financing Receive funding in days! Trusted since 2008
HoursFrom approval to funded
$5MMax funding available
US + CanadaCoverage
A happy couple celebrating their approved loan on a tablet — Fundseta helps you get funding
63% of owners are seeking capital this year Only ~27% of bank loan applications get approved 3 in 4 name cash flow as their #1 challenge
Simple & fast

Funding in three simple steps.

No piles of paperwork, no waiting on the bank. Check your match, review your options, and get funded — often within hours.

1

Check your match

Answer four quick questions about your business. It takes about a minute — with no hard credit pull.

2

Review your options

See the funding paths you may qualify for and talk them through with a dedicated funding specialist.

3

Get funded — fast

Once approved, funds can reach your account in days! Capital to cover costs, restock, or grow.

$5M
Max funding available
Hours
From approval to funded
No
Hard credit pull to check
US + CA
Businesses served
Check what you qualify for →
A marketplace, not a single bank

One application. A network of lenders working for you.

Instead of one bank's yes-or-no, Fundseta connects you to a network of funding partners — then a real human advisor helps you compare options and choose what fits.

  • Multiple funding paths compared side by side — not a single take-it-or-leave-it offer.
  • A dedicated funding advisor — real people who understand your industry and urgency.
  • Options for all credit profiles — including newer businesses banks often turn away.
  • No cost and no obligation to check what you qualify for.
$5M
in funding available, matched to your business
★★★★★ Trusted by business owners across the US & Canada
Two funding programs

Funding built around where your business stands.

Whether you're an established business with monthly revenue or a startup building on strong personal credit, there's a path. Here's what each program offers and what it takes to qualify.

Revenue-based funding

Working Capital & Cash Advance

For established businesses with monthly revenue — United States & Canada.

$5Mmax funding (US)
$500Kmax funding (Canada)

What it offers

  • Funding based on your business bank deposits — no collateral required
  • Approval amount typically in line with your monthly revenue
  • Terms up to 24 months; weekly, bi-weekly, or monthly payments
  • Funds can reach your account within hours of approval

What it takes to qualify

  • $35,000+ in average monthly revenue (US & Canada)
  • Credit score of 550 or higher
  • A business bank account at a bank or credit union
  • 3 months of business bank statements (4 for NY & CA, 6 for Canada)
  • Business EIN + owner SSN (US) or CRA number + SIN (Canada)
See if you qualify →
Startup & credit-based

Startup Business Credit

For newer businesses and entrepreneurs with strong personal credit — United States.

$50Kstarting funding
$500Kup to

What it offers

  • Start-up capital from $50,000 to $500,000 — even pre-revenue
  • Use for real estate, inventory, marketing, growth, or working capital
  • Strong fit for doctors, dentists, attorneys, real-estate investors & founders
  • Fast decision — funding handled for you once approved

What it takes to qualify

  • Personal credit score of 700+ with 6–8 years of history
  • At least one credit card with a $10,000+ limit; utilization 30% or less
  • Clean recent profile: ≤3 inquiries & ≤2 new accounts in 12 months, no derogatories
  • $50,000+ personal income; debt-to-income 30% or less
  • Documents: 3-bureau credit report & last 2 years of personal tax returns
See if you qualify →

Funding amounts, terms, and eligibility are set by the funding providers and may vary by state, province, and individual review. Some industries (including currency exchange, ATM, and adult-entertainment businesses) are not eligible for certain programs. Checking your match is free and carries no obligation.

The economic reality · 2026

The data behind the squeeze.

This isn't a feeling — it's in the numbers. Federal Reserve and federal small-business data show a widening gap between the businesses that need capital and the banks willing to provide it.

57%
approval rate even at small banks — the most approving lender type (2025 Fed SBCS)
~48%
of applicants didn't get the full financing they requested
29%
now apply to online & fintech lenders — up from 17% in 2020
~50%
of firms source inputs from abroad — most hit by higher 2025 tariff costs

The bank approval gap

Share of small-business loan applications approved, by lender type

0% 25% 50% 75% 27% 49% 65% Big banks Small banks Finance cos. turn most away still cautious say yes most

When the biggest lenders reject nearly 3 of 4 applicants, alternative funding becomes the path that keeps businesses alive.

Demand for capital is climbing

Share of owners planning to seek outside funding

0% 25% 50% 75% 38% 47% 63% 2024 2025 Early 2026

More owners need capital every quarter — and most of them won't get it from a traditional bank.

Figures drawn from the Federal Reserve Small Business Credit Survey (2026 Report on Employer Firms), OnDeck/Ocrolus cash-flow reporting, and federal small-business data. Approval rates and demand figures are directional and rounded; exact figures vary by survey period.

Federal Reserve · 2025 Small Business Credit Survey

What the latest federal data shows

The Federal Reserve's 2026 Report on Employer Firms — drawn from its 2025 Small Business Credit Survey of more than 6,500 firms — confirms what owners are feeling on the ground.

57%
Approval rate at small banks — higher than other lenders, but it still leaves many firms short.
~48%
of applicants did not receive the full financing they asked for.
29%
now turn to online & fintech lenders — up from 17% in 2020 as banks pull back.
~50%
of firms source inputs from abroad — and most say those costs rose with tariffs in 2025.

In fact, 77% of firms reported rising costs and/or tariff-related cost challenges — most heavily in retail (69%) and manufacturing (62%) — and expectations for revenue and employment growth fell to their lowest levels since 2020. The takeaway: demand for capital is up, bank approvals remain tight, and more owners are turning to alternative funding paths. Source: Federal Reserve Banks, 2026 Report on Employer Firms (2025 Small Business Credit Survey), fedsmallbusiness.org.

The squeeze is real

If any of this sounds like your week, you're not alone.

The 2026 economy has put pressure on businesses that were perfectly healthy a year ago. Funding isn't a sign of trouble — it's how smart operators bridge the gap and keep moving.

Infographic: understanding the impact of 2026 US tariffs on small business funding needs — Fundseta
⚡

Tariffs hit your costs

Import duties and trade disruption are inflating the price of inventory and parts. Working capital keeps you stocked and operating while you adjust pricing.

⛽

Fuel & energy costs surged

The oil crisis has driven diesel and energy prices up, and that flows into every delivery and invoice. Funding bridges the gap until margins recover.

Bank storefront with a sign reading: this bank denies loans to people who need them
📉

The bank still says no

Tighter credit in a shaky economy means strong businesses get rejected. Revenue-based funding looks at your deposits, not just your score — and funds fast.

60-second check

Helping Businesses Get the Funding They Need!

To Check Your Eligibility… Get Started in The Box Below!

Business Eligibility Criteria
Question 1 of 4

Where is your business based?

Choose which region your business is located.

Question 2 of 4

What are you trying to do?

Your goal points us toward the right type of capital.

Question 3 of 4

Roughly how much does the business deposit each month?

Revenue-based funding is sized from your monthly deposits.

Question 4 of 4

How would you describe your personal credit?

Strong personal credit unlocks larger, lower-cost growth funding.

Funding approved — a successful handshake with Fundseta
Real outcomes

Approved when it mattered — with Fundseta.

When the bank closed the door, the right alternative funding kept the lights on, made payroll, and funded the next move. Fundseta points you to that door, fast.

Check what you qualify for →