See which financing paths fit your business.

• LandscapingFUNDED

  7 years in business

  $1.4M annual revenue

  $85,000 requested

  Working capital

  The roadblock

  Two banks passed on a fixed-payment loan because December through February revenue dropped by roughly 70% against the summer months. Neither underwriter would look past the seasonal dip in the tax returns, and the second one never explained the decline at all.

  What the plan showed

  With 7 years of history, strong deposits and a mid-600s credit range, the report returned two preliminary matches and ranked them against how the money would actually be used.

  • Business Line of Credit
  • Working Capital

  Flagged for review: six months of bank statements needed for the line, four for working capital.

  What they chose, and why

  The line of credit, because the need was a cash-flow gap and not a one-time purchase. A fixed monthly payment through a slow winter was the exact problem they were trying to avoid.

  Structure: revolving access, interest generally applies only to the amount drawn, draw in the slow months and pay down in the busy ones.

• Home servicesFUNDED

  3 years in business

  $720K annual revenue

  $62,000 requested

  Equipment — second service van

  The roadblock

  The credit union wanted two consecutive years of profitable returns before it would even discuss a vehicle loan. Year one showed a loss from the initial buildout, so the conversation ended there.

  What the plan showed

  Because the use of funds was equipment, the report put equipment financing at the top, where the asset being purchased carries the collateral weight, and showed a term loan as the slower alternative.

  • Equipment Financing
  • Term Loan

  Documents needed: signed application, equipment invoice or quote, four months of bank statements.

  What they chose, and why

  Equipment financing, because the payment was tied to an asset that generates revenue from week one and the document list was three items instead of a full bank package.

  Structure: terms generally 2 to 5 years, low or no down payment may be available, funding may be available in as little as 2 days.

• Real estate investingFUNDED

  5 years investing

  $310K rental income

  $240,000 requested

  Residential investment property purchase

  The roadblock

  Three local lenders declined to quote a rental purchase held inside an LLC. Each one wanted the property in a personal name and two years of personal tax returns that showed the write-offs erasing most of the income.

  What the plan showed

  The report matched residential investment property financing, which is underwritten around an income-producing property rather than personal returns, and explained why conventional term products did not fit the entity structure.

  • Residential Investment Property Financing

  Documents needed: property details, property address, six months of bank statements.

  What they chose, and why

  Investment property financing, because it was the only path on the list built for the way the portfolio was already held.

  Structure: funding may be available in as little as 20 days, same-day preliminary review may be available, property review and lender underwriting apply.

• Commercial real estateFUNDED

  11 years in business

  $3.2M annual revenue

  $900,000 requested

  Owner-occupied building purchase

  The roadblock

  The purchase was under contract with a 45-day close. The bank's committee calendar put a decision somewhere past 60 days, and the seller would not extend a second time.

  What the plan showed

  The report showed commercial real estate financing as the long-term fit and laid out the document package required up front, so the timeline problem was visible before any application went out.

  • Commercial Real Estate Financing
  • SBA Loan

  Flagged for review: a down payment is required, and property documentation must be complete before review.

  What they chose, and why

  Commercial real estate financing, with the document checklist gathered in advance so the file went in complete rather than in pieces.

  Structure: longer term and a lower monthly payment than short-term options, subject to property review and lender underwriting.

FundPath is not a lender, and no outcome is promised or implied.

1. 1

   Answer a few questions

   Business basics, what you're funding, and a few readiness details — revenue range, credit range, and which documents you already have. About 3 minutes.

2. 2

   See your matches

   Your report opens right away in your browser with the products that fit, the criteria you meet, and where the gaps are.

3. 3

   Gather your documents

   Work the checklist, save the scenario, and apply when you're ready — or don't. The report is yours either way.