FundsetaAlternative Funding Marketplace
Last stop before a provider application

See which path can fund the gap tariffs left in the cash cycle.

Duty, inventory, and input costs are due now. Customers and brokers still pay later. Fundseta Business Criteria shows whether revenue-based working capital or credit-based startup capital is open — then sends eligible files to the provider.

Revenue-based · US & Canada Credit-based startups · US 5 questions · answers stay here
Start business check here!
U.S. and Canadian owners reviewing the Fundseta Business Criteria check
Two programs. One check.

Understand the path before you apply.

This page is built so you know what each program funds, who it fits, and which documents the provider will ask for — especially if 2026 trade tariffs stretched your cash cycle.

U.S.–Canada freight dock with a commercial invoice showing duty due before the customer pays Path A · Revenue-based

Working Capital & Cash Advance

$5M US / $500K CA

Sized from business bank deposits — no collateral. Built for operators already banking revenue while tariffs, fuel, materials, or inventory hit before the invoice clears.

  • $35,000+ average monthly deposits and 550+ credit
  • 3 months statements (4 NY & CA · 6 Canada)
  • EIN + SSN (US) or CRA + SIN (Canada)
  • U.S. and Canada · terms up to 24 months
U.S. founder reviewing a personal credit packet and startup plan Path B · Credit-based

Startup Business Credit

$50K–$500K

U.S.-only growth capital for strong personal credit — including pre-revenue founders, doctors, dentists, attorneys, and real-estate investors who need inventory, equipment, marketing, or launch capital.

  • 700+ personal file with 6–8 years of history
  • $10K+ card at 30% utilization or less · DTI 30% or less
  • 3-bureau report and last 2 years of personal tax returns
  • No business revenue required · as fast as 48 hours after approval
Restaurant owner and construction lead reviewing costs while invoices hit before cash
2026 trade-tariff pressure

The funding need is the gap between cost today and cash later.

Tariffs raised landed cost on parts, food inputs, steel, freight equipment, and retail goods. Most operators are still profitable on paper — they are cash-tight because duty and inventory clear before the customer pays. Revenue-based funding bridges that gap from deposits. Credit-based funding lets U.S. founders open capital from a strong personal file when sales have not started yet.

Question 1 of 5

What kind of business do you run?

This helps us match you with funding built for your industry.

  • Trucking / owner-operator Freight, hauling, fleet
  • Construction / contractor GC, sub, trades, builder
  • Restaurant / food service Dine-in, QSR, cafe, catering
  • Auto repair & service Mechanic, body shop, service center
  • Retail / e-commerce Storefront, online store, product sales
  • Medical, dental & professional Doctor, dentist, attorney, accountant
  • Another industry Anything else
Question 2 of 5

Where is your business based?

Choose which region your business is located.

  • United States
  • Canada
Question 3 of 5

What are you trying to do?

Your goal points us toward the right type of capital.

  • Cover costs / payroll / cash flow now Fast working capital
  • Grow, expand, or launch Larger growth funding
  • Buy inventory or equipment Either route may fit
Question 4 of 5

Roughly how much does the business deposit each month?

Revenue-based funding is sized from your monthly deposits.

  • $35,000 / month or more
  • Under $35,000 / month
  • We're pre-revenue / brand new
Question 5 of 5

How would you describe your personal credit?

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

  • Excellent — 700+
  • Fair — roughly 550–699
  • Below 550 / not sure

Fundseta does not lend or approve. A provider decides amounts, terms, and timing. Checking your match is free and does not affect your credit score. Answers stay in this browser.

Site qualifiesQuick eligibility check
Providers fundYou leave Fundseta only if a floor is met
No hard pull to checkCredit is not pulled on this page