Fundability
- Company typePrivate
- Founded2014
- HeadquartersSt. Petersburg, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
Fundability firmographics
Firmographics- Name
- Fundability
- Legal name
- Selkirk Technologies, Inc.
- Website
- https://fundability.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Fundability industry classification
Industry- Product category
- Business Credit & Funding Software
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159), Loan Brokers (6163)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Fundability is headquartered
LocationHeadquarters
- HQ city
- St. Petersburg
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Fundability business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Software Licensing (Co-branded Platform): Fundability licenses its proprietary software platform to partners (accountants, lenders, business consultants) under a co-branded arrangement. Partners gain access to the full Fundability System to offer to their own clients, generating recurring revenue from the licensing relationship.
- Software and Coaching Services: Individual business owners pay for access to Fundability's software, training, and coaching resources. The company sells software products and coaching services directly to end customers, with a no-refund policy once software is delivered electronically.
- Affiliate Referrals: Fundability shares contact information with third-party affiliate partners (Lexington Law, Seek Capital, Ring Central) and may receive compensation when users engage with those affiliates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | No public pricing tiers disclosed |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Fundability product offering
Product offeringCore offering
Fundability operates a cloud-based SaaS platform that helps small business owners diagnose funding denials, build EIN-based business credit, and access hundreds of lenders and credit issuers. Its proprietary Fundability Score™ integrates with the secret credit reports lenders use, while the broader system (Fundability Foundation, Business Credit Builder, Funding Explorer, and Funding Manager) covers diagnosis through funding. The company also licenses the platform on a co-branded basis to accountants, lenders, and business consultants who resell it to their own clients.
Product overview
Fundability offers a unified software platform providing business credit building and funding access services. The core system consists of five integrated products: Fundability Foundation™ (approval readiness analysis), The Fundability Score™ (proprietary credit scoring), Business Credit Builder (credit profile establishment), Funding Explorer™ (vendor credit requirements discovery), and Funding Manager™ (multi-source funding access). The company also offers a co-branded software licensing program for partners. Users can access curated finance solutions with hundreds of business credit options and funding sources in one place, with the system matching users to programs they pre-qualify for based on their fundability profile.
Differentiator
Problem solved
Functional benefit
Products and services
- Fundability Foundation™ Foundational diagnostic tool for small business owners that analyzes what is causing funding denials and provides step-by-step guidance on how to fix the issues so users can confirm approval readiness before applying.
- Business Credit Builder Credit-building software that helps businesses quickly establish real EIN-based business credit to access 10X-100X higher credit limits than consumer credit, preserve personal credit, and qualify for financing in a fraction of the time.
- The Fundability Score™ Proprietary scoring system that integrates with the secret credit reports lenders use and analyzes key approval factors to generate a Fundability Score showing how fundable a business is right now and what to improve.
- Funding Explorer™ Discovery tool that uncovers the secret Fundability requirements for each vendor and credit issuer, enabling business owners to qualify for financing and build strong business credit without a personal guarantee.
- Funding Manager™ Funding access dashboard that matches businesses with hundreds of funding sources when traditional bank lending says no, showing which bureau each funding source reports to and providing quick links to apply.
- Co-branded Fundability Software (Partner Licensing) White-label / co-branded licensing program that allows accountants, bookkeepers, lenders, business consultants, and other partners to offer the full Fundability System under their own brand to their existing clients, unlocking recurring revenue without new hires or product development.
Quantifiable outcome
- Business owners get 10X-100X higher credit limits through EIN-based business credit building compared to consumer credit
- +2 more outcomes
Companies that use Fundability
Customer profileSegments2 records
Ideal customer profiles2 records
Fundability technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability3 records
Feature6 records
Fundability partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Hundreds of Lenders and Credit IssuerscoreFundability maintains direct relationships with hundreds of lenders and credit issuers, updating lending requirements every 30 days. These relationships provide the data foundation for the Fundability Score and Funding Explorer tools, which integrate lender criteria to match businesses with appropriate funding products.
- Lexington LawminorLexington Law is listed as a third-party affiliate partner. With user permission, Fundability may share contact information with Lexington Law, and Fundability may be compensated if users engage with Lexington Law's services.
- Seek CapitalminorSeek Capital is listed as a third-party affiliate partner. Fundability may share contact information with Seek Capital with user permission and may receive compensation when users engage with Seek Capital.
- RingCentralminorRingCentral is listed as a third-party affiliate partner. Fundability may share contact information with RingCentral with user permission and may receive compensation when users engage with RingCentral.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Fundability competitors and assessment
Company assessmentBroad incumbents
- BlueVine: BlueVine is a fintech providing small-business banking, credit and invoice factoring products directly. It is a broader incumbent that competes with Fundability's funding-matching value proposition by offering direct SMB credit.
- OnDeck: OnDeck is a well-established online small-business lender offering term loans and lines of credit. It is a broad incumbent in SMB lending that competes with the funding destinations Fundability's customers would otherwise reach.
- Funding Circle: Funding Circle is a global online small-business lending platform. While it operates a different (direct origination) model, it competes in the same SMB capital access category that Fundability's Funding Manager aggregates.
- LendingClub: LendingClub is a large online lending platform serving both consumers and small businesses, including SMB credit products. It is a broad incumbent operating well beyond Fundability's niche but competes for the same SMB funding dollar.
Others
- Experian Business: Experian is a major credit bureau offering consumer and business credit data products. It is an adjacent, infrastructure-level player whose bureau data underpins Fundability's matching but which could also disintermediate it by exposing lender-view data directly to SMBs.
- Dun & Bradstreet: Dun & Bradstreet is the dominant business credit data provider (PAYDEX, business credit scores). It is a data ecosystem peer — not a direct competitor — but its PAYDEX score sits adjacent to Fundability's Fundability Score as a competing business-credit signal.
Emerging players
- Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit small-business lender focused on underserved micro and small businesses. It overlaps with Fundability on serving SMBs that cannot access traditional bank capital, though via direct lending rather than software intermediation.
Direct peers
- Nav: Nav operates a small-business credit and financing marketplace that matches business owners with lenders and credit products based on business credit profiles. It is the closest direct competitor to Fundability, sharing both the SMB target customer and the credit-data-driven matching model.
- Biz2Credit: Biz2Credit is an SMB lending marketplace that matches business owners with banks and alternative lenders and operates a credit-driven underwriting approach. It overlaps directly with Fundability on the credit-data-driven SMB funding matching use case.
- Fundera: Fundera (now part of LendingTree) is an SMB funding marketplace that connects business owners to lenders and capital products. It competes with Fundability in the same 'SMB goes here to find funding' category and overlaps on lender-matching and pre-qualification workflows.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks2 records
Key highlights7 records
Customer concentration
Fundability social profiles
Digital presenceFundability financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fundability leadership team
Management profileNumber of profiles
Profiles1 record
Fundability funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fundability M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fundability
What does Fundability do?
Fundability operates a cloud-based SaaS platform that helps small business owners diagnose funding denials, build EIN-based business credit, and access hundreds of lenders and credit issuers. Its proprietary Fundability Score™ integrates with the secret credit reports lenders use, while the broader system (Fundability Foundation, Business Credit Builder, Funding Explorer, and Funding Manager) covers diagnosis through funding. The company also licenses the platform on a co-branded basis to accountants, lenders, and business consultants who resell it to their own clients.
Is Fundability a public or private company?
Fundability is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fundability founded?
Fundability was founded in 2014. It employs 11 to 50 people.
Where is Fundability based?
Fundability is headquartered in St. Petersburg, United States, in the North America region.
How does Fundability make money?
Three revenue lines are on record. Software Licensing (Co-branded Platform) is the primary driver. The others are software and Coaching Services and affiliate Referrals.
Who are Fundability's main competitors?
Broad incumbents on record are BlueVine, OnDeck, Funding Circle and LendingClub. Others are Experian Business and Dun & Bradstreet. Accion Opportunity Fund is listed as an emerging player. Direct peers are Nav, Biz2Credit and Fundera.
Does Fundability have an API?
No public API is recorded for Fundability.
What industry is Fundability in?
Fundability's product category is Business Credit & Funding Software. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAGACAH, Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation). Its NAICS code is 5223 and its SIC code is 6159.