Auto Repair · Arizona
$240,000
Funded in 48 hours
Term Loan
An independent shop bought out a retiring competitor's lift, alignment rack, and two service bays.
SBA · Working capital · Equipment · CRE · Factoring
Small business funding,
fully disclosed.
SBA loans, working capital, term loans, equipment financing, commercial real estate, and invoice factoring from $10K to $25M+. Real human underwriters. Decisions in 1 business day on most products.
- Operating in the United States
- 6+ months in business
- $15K+ monthly revenue
- Business bank account
Restaurant Group · Florida
$420,000
Funded in 72 hours
Working Capital
A five-location coastal group replaced walk-ins and fryer lines across every site before peak season.
Construction · Georgia
$1,200,000
Funded in 5 days
Line of Credit
A commercial GC bridged a 90-day receivables gap on a stadium retrofit, drawn against signed pay applications.
Medical Group · Ohio
$2,500,000
Funded in 9 days
Term Loan
A multi-site dental group acquired a competitor's three locations on an 84-month, real-estate-secured term.
Manufacturing · Texas
$1,800,000
Funded in 7 days
Equipment Financing
A custom metal fabrication shop financed two new CNC mills and a fiber laser, paid directly to the vendor.
Trucking · New Jersey
$85,000
Funded in 48 hours
Equipment Financing
A two-truck owner-operator added a used 2021 Freightliner on a 60-month, vendor-paid term.
Retail and E-commerce · California
$310,000
Funded in 3 days
Revenue-Based Advance
An apparel brand stocked Q4 inventory across three boutiques and its direct-to-consumer channel.
Illustrative recent files. Specific terms depend on each business profile and are disclosed in writing.
Check your fit
See where you stand in 30 seconds.
Three quick questions. No credit pull, no commitment, no documents yet. We tell you which products fit and route you to a real underwriter.
- No impact to your credit
- A real human reviews every file
- Cost shown in writing before anything is signed
Funding products
Nine ways to fund. One honest process.
From $10K working capital to $25M+ commercial real estate. Tap any product to see the full structure in writing.
Product
Funding range
Term
Working Capital
24–72 hours from approval
$10K–$1M
12–24 months
Revenue-Based Advance
Often funded within 24 hours
$10K–$750K
3–18 months typical
Line of Credit
Initial approval in 24–48 hours
$10K–$500K
Revolving, 6–24 month draw periods
Equipment Financing
3–7 business days from approval
$10K–$5M
24–72 months
Term Loan
5–10 business days from approval
$100K–$5M
2–7 years
SBA Loans
30–60 days from complete file
$50K–$5M
10–25 years
Invoice Factoring
Same or next business day per invoice
$25K–$10M
Ongoing facility; per-invoice 30–90 days
Commercial Real Estate
30–60 days from complete file
$250K–$25M
5–30 years
Asset-Based Lending
2–4 weeks from complete file
$250K–$20M
1–3 year facility, renewable
Bars are scaled logarithmically across the full $10K–$25M+ range. Click any product for the structure, term, collateral, and what to expect on your offer document.
How it works
Three steps. No surprises.
01
Tell us about your business
Four minutes. No credit pull. Bank statements aren't required at this stage.
02
Review your options
Every offer shows the funded amount, total payback, payment cadence, and fees in writing — before you sign anything.
03
Get funded
24 to 72 hours from approval. Same-day on smaller, clean files.
Industries
Operators we work with every day.
Why FundXpanse
Funding that respects your time.
Cost shown upfront
Every dollar, every fee, every payment is in the offer before you sign. No estimates, no last-mile surprises.
Real underwriters
Files are reviewed by people, not just a model. If something doesn't add up, you'll get a call — not an automated decline.
Honest about fit
If a different product or a different lender fits better, we say so. We'd rather be useful once than wrong once.
Built for operators
Most of our team has worked in or for small businesses. We size offers around how cash actually moves.
In their words
Operators who'd take our call again.
Equipment purchase
"Straight up — FundXpanse saved my ass. We had a contract on the table and no second mill. My buddy in Phoenix said 'call Favi, he'll get it done.' Favi picked up on a Sunday. Vendor was paid Thursday, machine was making chips Monday."
Carlos M.
Owner · Precision machine shop · Arizona
$185,000
Cash crunch
"Two huge customers ghosted us on net-30 the same week. Payroll was Friday. I was losing sleep. Another cleaning company owner pointed me at FundXpanse — within 36 hours the bridge hit our account. Nobody on my crew ever knew how close it got."
Janelle T.
Founder · Commercial cleaning · Georgia
$95,000
Growth · second location
"Three banks had me running in circles for months. A trainer friend told me 'just talk to FundXpanse, they actually call you back.' Had a yes in writing the next morning. Signed the second-location lease ten days later."
Priya S.
Owner · Boutique fitness studio · Texas
$640,000
Acquisition
"Buying out a 30-year competitor is no joke. Favi walked me through the SBA structure twice, no rush, no sales pitch. Monthly payment ended up less than what I was already paying in rent. The guy knows his stuff."
Bill K.
Principal · HVAC service · Ohio
$1,200,000
Real estate · owner-occupied
"Another dentist in my study club swore by these guys. I get it now. SBA 504 is genuinely confusing and they made it make sense in one phone call. We stopped renting and bought the building next door."
Dr. Mei L.
Partner · Dental group · California
$2,500,000
Invoice factoring
"Net-60 from our biggest account was killing us. Honestly, FundXpanse bailed us out. Their structuring desk put together factoring in a way our last broker said 'wasn't possible.' We stopped chasing checks and started taking bigger POs."
Marcus D.
Owner · Apparel manufacturer · North Carolina
$420,000 / mo
Seasonal swing
"Got their name from another landscaper at a trade show — 'these are the people.' He wasn't wrong. Line of credit lets me hire crews in March before deposits land. Pay it back by September. Same call every spring now."
Renée O.
Owner · Landscaping & hardscape · Florida
$250,000 LOC
Fleet expansion
"Three trucks and two trailers in one shot. My dispatcher's cousin used FundXpanse last year and wouldn't shut up about them. Now I get it. One application, two vendors paid the same day. Done."
Tyler R.
Owner-operator · Regional trucking · Tennessee
$385,000
Walk-away policy
"I shopped three other lenders with Favi's offer in hand. Nobody beat it. Came back, signed, and he never once made me feel cornered. That's rare in this business. I'll send him every restaurant owner I know."
Sofia G.
Co-owner · Family restaurant group · Illinois
$310,000
Meet the team
The people who pick up the phone.
FundXpanse is a small bench of underwriters, structurers, and reps who actually know your file. No call-center handoffs, no anonymous "advisor" emails — the person who quotes you is the person who closes you.