Get a working capital loan of up to $500,000 with this award-winning online lender.

Looking to access a substantial amount of cash for your small business quickly — but don’t want to sacrifice a personal touch? Fundation could be the answer.
You won’t spend much time digging around to find out what you’re getting into. Once you’re preapproved, you have the option of chatting with your underwriter to get to the core of who you are and what your business needs.


Min. Amount


Max. Amount


Product Name Fundation Business Loans
Min. Amount $20,000
Max. Amount $500,000
Loan Term 1 to 4 years
Min. Credit Score 600
APR 7.99% to 29.99%
Requirements 12+ months in business, 3+ employees, $100,000+ annual revenue

Application Criteria

  • Business must be at least one year
  • You must have at least three employees
  • Must have an annual revenue of at least $100,000
  • You must have a personal credit score of at least 600
  • You cannot live or operate your business in North Dakota, South Dakota or Nevada

Do I qualify?

To meet Fundation’s minimum eligibility:

  • Your business must be up and running for at least one year.
  • You must have at least three employees.
  • Your business’s annual revenue must be at least $100,000.
  • You must have a personal credit score of at least 600.
  • You cannot live or operate your business in Nevada.

What is Fundation — and what types of loans does it offer?

Fundation is a direct online lender that provides business term loans and lines of credit. It’s recognized for its working capital financing — or funding meant to cover day-to-day expenses, rather than the cost of large projects — usually in the form of a line of credit. Term loans are available in amounts up to $500,000. Fundation lines of credit provide ongoing access to a credit limit of up to $100,000.

Need help covering the cost of supplies or staff during seasonal fluctuations or temporary lulls in cash flow? This lender could be ideal.

Small businesses that have been around the block a couple times might also benefit from lower interest rates than what newer businesses are typically offered — many things Fundation considers when determining your interest rate can be improved with time.

What makes Fundation business loans unique?

Fundation loans come with the speed of an online lender but the personal touch of a bank. You can get your funds in as little as one business day without sacrificing an opportunity to make a case for yourself to your underwriter. This is particularly valuable for businesses with marks in their financial histories that can look bad on paper but are easily explained.

And Fundation is one of a few lenders that delivers on a promise of transparency. Most everything you could ever want to know about your loan — terms, fees, rates, collateral and more — is readily available online. You won’t spend too much time deciding if it can offer a loan that’s right for you.

What are the benefits of Fundation business loans?

  • Underwriting Isn’t just about algorithms. Unlike with many online lenders, you can discuss with your underwriter your business, financial needs and credit history.
  • Award-winning service. Fundation is a three-time winner of Business News Daily’s Best Alternative Lender for Working Capital Loans.
  • Highly transparent site. Easily find what you need to know with just a few clicks — potential APR rates, collateral, eligibility and more.
  • Quick access to funding. Get your funds as soon as one business day after submitting your online application with Fundation.

What to watch out for

  • Not ideal for the smallest businesses. You can include yourself in the employee count. But if it’s just you running the show, you won’t qualify — even if you make millions each year.
  • Payments are twice monthly. Fundation term loans come with bimonthly payments. Keep this in mind when calculating how much you can afford.
  • Fees. Term loans come with an origination fee of up to 5% of your loan’s value, and it’s deducted from your funds before they’re disbursed. With lines of credit, you’ll pay a $500 closing fee and a 2% fee each time you take out money.
  • Startups aren’t eligible. Businesses younger than a year old should look else where for startup financing.

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