Fundwell
Fundwell is a digital business financing marketplace that matches U.S. small and medium-sized businesses with a network of lenders, offering lines of credit, term loans, revenue-based financing, SBA loans, and non-dilutive capital through an online portal with dedicated funding advisors.
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Fundwell does
Fundwell is a digital business financing marketplace that connects U.S. small and medium-sized businesses (generating over $100,000 in annual revenue) with a network of lenders and financing providers. The platform aggregates multiple financing products within a single portal: revolving Lines of Credit up to $1 million, fixed-rate Small Business Loans up to $5 million, Revenue Based Financing up to 1.5x monthly revenue, SBA Loans up to $5 million, and Non-Dilutive Capital ranging from $250,000 to $50+ million for high-growth and enterprise businesses. Add-on products include Embedded Capital for partner platform integration and Invoice Financing. Applications are completed online in approximately three minutes using a soft credit pull for pre-qualification, and approved offers are presented side-by-side within a borrower portal for transparent comparison, with dedicated funding advisors providing personalized guidance throughout the process.
The underlying technology is a cloud-based financial platform combining an intelligent lender-matching algorithm with an online application workflow and a centralized borrower portal. The matching system evaluates business profiles and financial history to route applicants to appropriate network partners, and the portal consolidates all approvals for side-by-side comparison. Fundwell's revenue model is a broker fee paid by the financing provider on each funded transaction, in line with industry practice, with Fundwell acting as an authorized agent on behalf of merchants. Distribution combines a self-serve direct online application, inside-sales funding advisors, a network of lending partners, and an embedded capital channel for B2B2B distribution. The company is privately held, headquartered in New York, with an operational office in Hollywood, Florida, a UK subsidiary (FDW UK Limited), and reports $1 billion+ in cumulative funding delivered to small and growing businesses over 12+ years of operations.
Fundwell firmographics
Firmographics- Name
- Fundwell
- Legal name
- Fundwell, Inc.
- Website
- https://fundwell.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Fundwell is a digital business financing marketplace that matches U.S. small and medium-sized businesses with a network of lenders, offering lines of credit, term loans, revenue-based financing, SBA loans, and non-dilutive capital through an online portal with dedicated funding advisors.
- Ownership category
- akta.pro rank
Fundwell industry classification
Industry- Product category
- Business Lending & SMB Financing
- NAICS
- Sales Financing (52222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Independent Venture Debt Funds / Platforms (FSANAIAB)
Keywords
Where Fundwell is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Fundwell business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Broker Fee from Lenders: Fundwell acts as an authorized agent on behalf of merchants, submitting applications to lenders and financing providers in its network. Fundwell's compensation is a broker fee paid by the financing provider in accordance with customary industry practices. The broker fee may be deducted from the loan or merchant cash advance amount by the provider and turned over directly to Fundwell.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Business Line of Credit: revolving credit lines up to $1 million, pay only for what you use |
| Subscription | Monthly | Small Business Loan: fixed-rate term loans up to $5 million |
| Usage-based | Pay-as-you-go | Revenue Based Financing: working capital up to 1.5x monthly revenue |
| Subscription | Monthly | SBA Loan: low-interest term loans up to $5 million backed by the SBA |
| One time/ perpetual license | Multi-year contract | Non-Dilutive Capital: funding from $250,000 to $50+ million for high-growth and enterprise businesses |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Fundwell product offering
Product offeringCore offering
Fundwell operates an online financial platform that matches small and medium-sized businesses seeking capital with a network of third-party lenders and financing providers. The company acts as an authorized agent, originating loan and revenue-based financing applications on behalf of borrowers and earning a broker fee from the financing provider. Businesses apply online in minutes, receive instant soft-credit-pull pre-qualification, view side-by-side funding offers in a portal, and typically receive capital within 24 hours.
Product overview
Fundwell is an intuitive financial platform providing fast, transparent business funding through multiple financing products. The core product portfolio consists of five main loan products: Line of Credit (revolving credit up to $1M), Small Business Loan (fixed-term loans up to $5M), Revenue Based Financing (working capital up to 1.5x monthly revenue), SBA Loan (government-backed loans up to $5M), and Non-Dilutive Capital (growth financing from $250K to $50M+). These products are accessed through a unified online portal that provides instant pre-qualification, side-by-side offer comparison, expert guidance, and funding delivery, typically within 24 hours. Additional modules include Embedded Capital (for partner platform integration) and Invoice Financing.
Differentiator
Problem solved
Functional benefit
Products and services
- Line of Credit Revolving credit lines up to $1 million where businesses only pay for what they use, with no hidden fees or upfront charges. Designed for SMBs needing flexible working capital.
- Small Business Loan Fixed-rate term loans up to $5 million with transparent terms and predictable monthly payments, designed for SMB growth and expansion needs.
- Revenue Based Financing Working capital financing up to 1.5x monthly revenue, with repayments that flex with business revenue fluctuations to ease cash flow management. Funding from $5,000 up to $5 million, with same-day deposits available in many cases.
- SBA Loan Low-interest term loans up to $5 million backed by the U.S. Small Business Administration, intended for real estate, acquisitions, or refinancing debt with extended terms and competitive rates.
- Non-Dilutive Capital Funding solutions ranging from $250,000 to $50+ million for high-growth and established enterprises, including senior secured, subordinated, unsecured, asset-based lending, and off-balance sheet financing. Maintains 100% ownership with zero equity dilution.
- Invoice Financing Financing solution that allows businesses to access capital against their outstanding invoices, addressing cash flow timing gaps between invoicing and customer payment.
- Embedded Capital Embedded financing offering that allows partners to integrate Fundwell's financing capabilities into their own platforms or workflows, enabling partner customers to access Fundwell-funded capital within their own environments.
Quantifiable outcome
- $1B+ in funding delivered to small and growing businesses
- +5 more outcomes
Companies that use Fundwell
Customer profileNamed customers3 records
Segments8 records
Ideal customer profiles2 records
Fundwell technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature4 records
Fundwell partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Network of Lending PartnerscoreFundwell partners with a network of reputable, compliant lenders and financing providers. Fundwell acts as an authorized agent, submitting applications on behalf of merchants and matching them with appropriate lenders based on their business profile. The lenders provide the actual capital while Fundwell handles the application process, matching, and customer experience.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Fundwell competitors and assessment
Company assessmentDirect peers
- National Funding: National Funding provides working capital, equipment financing, and small business loans via an online/direct sales motion aimed at SMBs. It competes with Fundwell on the same product categories and target customer segments.
- Lendio: Lendio is an SMB loan marketplace that matches business borrowers with a network of lenders across term loans, lines of credit, MCAs, and SBA loans — effectively the same broker model, technology layer, and target borrower (small businesses needing fast capital) as Fundwell.
- Biz2Credit: Biz2Credit operates an SMB lending marketplace connecting business borrowers with banks, credit unions, and alternative lenders — a similar matching/marketplace architecture to Fundwell, targeting the same revenue, growth, and SBA financing use cases.
- Credibly: Credibly is a direct SMB lender offering working capital, merchant cash advances, and term loans to small businesses. While more direct-lender than pure broker, it overlaps with Fundwell on product type, borrower size, and speed-to-funding positioning.
- BlueVine: BlueVine provides SMB financing including lines of credit, invoice factoring, and term loans via an online platform targeting the same working-capital-driven borrower that Fundwell serves. The product structure (revolving LOC, invoice financing, fast funding) closely mirrors Fundwell's core offerings.
- Fundera (NerdWallet): Fundera is an SMB lending marketplace owned by NerdWallet that connects borrowers to bank, SBA, and alternative lenders using an online application with advisor support. Fundwell's product portfolio, online application experience, and dedicated advisor model are nearly identical.
- Funding Circle US: Funding Circle operates an online SMB lending platform offering term loans and lines of credit to small businesses in the US. It serves the same borrower profile and use cases (working capital, growth) using a digital-first application and matching infrastructure comparable to Fundwell's.
Emerging players
- Stripe Capital: Stripe Capital offers revenue-based financing and loans to SMBs already transacting on Stripe's payments rails, embedding capital offers inside a software platform. It is a forward-looking example of the embedded-capital distribution model that Fundwell's Embedded Capital product is also pursuing.
Broad incumbents
- OnDeck (Enova): OnDeck, owned by Enova International, originated SMB term loans and lines of credit at scale before pivoting more toward its parent. It represents the established, well-capitalized incumbent alternative SMB lender against which Fundwell competes for the same small-business borrower.
- Kabbage / American Express Business Blueprint: Kabbage, acquired by American Express, built a data-driven SMB working capital product that has been folded into AmEx's broader Business Blueprint suite. As a bank-owned platform with embedded distribution and balance-sheet lending, it represents the incumbent threat to independent brokers like Fundwell.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Fundwell social profiles
Digital presenceFundwell financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fundwell leadership team
Management profileNumber of profiles
Fundwell subsidiaries and ownership
Company hierarchySubsidiaries1 record
Fundwell funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fundwell M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fundwell
What does Fundwell do?
Fundwell operates an online financial platform that matches small and medium-sized businesses seeking capital with a network of third-party lenders and financing providers. The company acts as an authorized agent, originating loan and revenue-based financing applications on behalf of borrowers and earning a broker fee from the financing provider. Businesses apply online in minutes, receive instant soft-credit-pull pre-qualification, view side-by-side funding offers in a portal, and typically receive capital within 24 hours.
Is Fundwell a public or private company?
Fundwell is a private company. It is classified as unknown and is currently operating.
When was Fundwell founded?
Fundwell was founded in 2013. It employs 51 to 100 people.
Where is Fundwell based?
Fundwell is headquartered in New York, United States, in the North America region.
How does Fundwell make money?
One revenue line is on record: broker Fee from Lenders.
Who are Fundwell's main competitors?
Direct peers on record are National Funding, Lendio, Biz2Credit, Credibly, BlueVine, Fundera (NerdWallet) and Funding Circle US. Stripe Capital is listed as an emerging player. Broad incumbents are OnDeck (Enova) and Kabbage / American Express Business Blueprint.
Does Fundwell have an API?
No public API is recorded for Fundwell.
What industry is Fundwell in?
Fundwell's product category is Business Lending & SMB Financing. Its primary akta.pro industry code is FSANAIAB, Independent Venture Debt Funds / Platforms. Its NAICS code is 52222 and its SIC code is 6163.