Fundlogic
Fundlogic is a private SMB lender aggregator offering equipment financing, SBA loans, term loans, MCA, real estate, and merchant processing to U.S. small and medium-sized businesses, monetizing through transaction-based origination and processing fees.
- Company typePrivate
- Founded2023
- HeadquartersStamford, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Fundlogic does
Fundlogic is a privately held business financing platform operating as Fundlogic LLC, headquartered at 700 Canal Street, Stamford, Connecticut, with Terms and Conditions governed by the laws of Palm Beach County, Florida. The company acts as an originator and lender aggregator connecting small and medium-sized businesses (SMBs) to a network of hundreds of lenders across multiple financing products, including equipment financing, SBA loans, bank term loans, revenue-based factoring (MCA), business lines of credit, real estate financing (fix & flip, new construction, bridge, DSCR, hard money, traditional residential, commercial, and mixed-use mortgages), and merchant processing. Founded over a decade ago with operational roots in commercial financing, Fundlogic positions itself as a single-application entry point across product categories that borrowers would otherwise need to source separately from individual lenders, and reports an over 98% repeat customer ratio.
The company monetizes through transaction-based revenue: origination and placement fees, lender spreads on SBA-backed and bank term deals, factor rate spreads on MCAs, and recurring merchant processing fees. Its technology stack centers on an online pre-qualification platform with no credit-score impact, an interactive loan calculator, PandaDoc and DocuSign electronic signature integration, and a customer-facing SMS messaging program (formalized under a dedicated SMS Privacy Policy effective February 1, 2025). Distribution is sales-led and executed through digital self-serve channels (website pre-qualification), phone and email direct sales, and organic social media presence on Facebook, Instagram, and LinkedIn. Customers span SMBs across retail, hospitality, manufacturing, healthcare, technology, service-based businesses, transportation, real estate investors/developers, and select Fortune 500/large enterprises, with real estate lending extended across all 50 U.S. states.
Leadership is concentrated with CEO Michael Krepak and COO Matthew Paul as the publicly identified executives. The company has not disclosed its own revenue, external funding history, cap-table composition, or third-party certifications, and no public API, formal external privacy/security audits, or AI/ML capabilities are referenced in the source materials. Its privacy posture is self-attested in its Privacy Policy (last updated February 27, 2025).
Fundlogic firmographics
Firmographics- Name
- Fundlogic
- Legal name
- Fundlogic LLC
- Website
- https://fundlogicfs.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fundlogic is a private SMB lender aggregator offering equipment financing, SBA loans, term loans, MCA, real estate, and merchant processing to U.S. small and medium-sized businesses, monetizing through transaction-based origination and processing fees.
- Ownership category
- akta.pro rank
Where Fundlogic is headquartered
LocationHeadquarters
- HQ city
- Stamford
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Fundlogic business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain
Revenue model
- Equipment Financing Origination: Origination and placement of equipment financing deals across three tiers (Express $5K-$100K, Express Plus $100K-$500K, Express Max $500K-$10M). Revenue generated via lender spread / origination fees on each funded deal.
- SBA Loan Origination: Origination of SBA 7(a) and SBA Express loans with funding up to $5 million. Revenue earned via origination fees or lender spread on SBA-backed deals facilitated through the lender ecosystem.
- Term Loan Origination: Origination of traditional bank term loans with funding up to $10 million for SBA loans and varying limits for bank loans. Revenue earned via origination / placement fees.
- Revenue-Based Factoring / MCA: Merchant cash advance / revenue-based factoring arrangement where repayment is tied to a percentage of the borrower's daily receivables. Revenue earned via factor rate spread on advanced capital.
- Real Estate Loan Origination: Origination of residential, commercial, mixed-use, fix & flip, new construction, bridge, DSCR, and hard money real estate loans across all 50 states, with funding up to $5 million. Revenue earned via origination / placement fees.
- Line of Credit Origination: Revolving line of credit facilities for working capital needs. Revenue earned via arrangement fees and ongoing interest spread on drawn balances.
- Merchant Processing Fees: Recurring transaction-based revenue from payment processing services, including mobile payment terminals and online payment gateway solutions for business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Equipment Financing - Express tier |
| Transaction based/ take rate | Pay-as-you-go | Equipment Financing - Express Plus tier |
| Transaction based/ take rate | Pay-as-you-go | Equipment Financing - Express Max tier |
| Transaction based/ take rate | Pay-as-you-go | Real Estate - Fix & Flip |
| Transaction based/ take rate | Pay-as-you-go | Real Estate - DSCR |
| Other | Pay-as-you-go | Term Loans (SBA / Bank) |
| Transaction based/ take rate | Pay-as-you-go | Merchant Processing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Fundlogic product offering
Product offeringCore offering
Fundlogic operates as a commercial loan originator and aggregator that sources equipment financing, SBA loans, term loans, revenue-based factoring/MCA, business lines of credit, real estate financing, and merchant processing for small and mid-sized U.S. businesses. The firm accesses an ecosystem of hundreds of partner lenders (including SBA-backed programs) to place deals with the best-fit lender and pricing, using a no-credit-impact pre-qualification flow and electronic application tools, with equipment financing routinely funded in 24-48 hours and aggregate deal sizes up to $10 million.
Product overview
Fundlogic operates as a multi-product business financing platform rather than a single unified product, distributing funding through an ecosystem of hundreds of partner lenders. Its core portfolio comprises Equipment Financing, Term Loans (including SBA Loans and bank loans), Revenue Based Factoring (MCA), Business Line of Credit, a Real Estate Financing suite (Fix & Flip, New Construction, Bridge, DSCR, Hard Money, Traditional Residential, Commercial, and Mixed Use Mortgages), Merchant Processing, plus Corporate Credit Building and Mergers & Acquisitions advisory services. All offerings are accessed via a consultative pre-qualification flow (with no credit-score impact) and consolidated under the FundLogic brand, with funding delivered in 24–48 hours and aggregate funding capacity exceeding $10M per deal.
Differentiator
Problem solved
Functional benefit
Products and services
- Equipment Financing Equipment Financing enables businesses to acquire new or used equipment without large upfront payments, supporting owner-operators, transportation companies, startups, and corporations. Fundlogic offers Application Only up to $500,000 with same-day credit response and Express tiers with 24-48 hour funding.
- Term Loans Bankable Term Loans including SBA Loans and bank loans offering favorable terms and lower interest rates than traditional loans, targeted at startups and established businesses seeking to expand, purchase equipment, or manage cash flow, with SBA funding up to $5 million and bank term loans up to $10 million.
- Revenue Based Factoring A Merchant Cash Advance (MCA) style financing product that provides upfront cash against future credit card sales, with repayments tied to a percentage of daily card transactions. Marketed on quick approvals, minimal paperwork, no collateral, and flexible usage.
- SBA Lending Government-backed Small Business Administration loans provided through FundLogic, offering favorable terms and lower interest rates than traditional loans, usable for working capital, expansion, and equipment purchases, with SBA 7(a) and SBA Express programs funding up to $5 million.
- Business Line of Credit A revolving credit facility providing businesses access to a predetermined pool of funds that can be drawn on as needed for unexpected expenses, growth opportunities, or cash-flow management, with interest paid only on amounts used.
- Real Estate Financing A suite of real estate financing options for investors and developers covering Traditional Residential Mortgages, Commercial Mortgages, Mixed Use Properties, Fix & Flip, New Construction, Bridge Loans, DSCR loans, and Hard Money Loans, with loan sizes ranging from $75,000 to $5,000,000 and funding available across all 50 U.S. states.
- Merchant Processing A payment processing service enabling businesses to securely accept credit cards, debit cards, and mobile payments in-store, online, or on-the-go via provided terminals and online payment gateways, with competitive and transparent processing rates.
- Corporate Credit Building A service that helps businesses build a credit history with every dollar the business spends, supporting the establishment of a corporate credit profile.
- Mergers & Acquisitions Advisory Advisory service supporting M&A transactions to help companies expand market share, gain access to new technologies or resources, and achieve economies of scale.
Quantifiable outcome
- $10M+ in total funded across portfolio
- +5 more outcomes
Companies that use Fundlogic
Customer profileSegments10 records
Ideal customer profiles3 records
Fundlogic technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Fundlogic partnerships and signals
Strategic signalScale indicators8 records
Recent moves6 records
Expansion highlights5 records
Fundlogic competitors and assessment
Company assessmentDirect peers
- Lendio: Lendio operates an SMB loan marketplace/aggregator connecting applicants to a network of lenders across SBA loans, term loans, lines of credit, equipment financing, and MCA — a direct business-model match to Fundlogic.
- Fundera: Fundera (a NerdWallet company) is an SMB loan marketplace aggregating SBA, term loans, lines of credit, and merchant cash advances from multiple lenders — directly comparable to Fundlogic's aggregator model and SMB target segment.
- SmartBiz: SmartBiz is an SBA-focused online loan marketplace for small businesses, partnering with banks to originate SBA 7(a) loans. Fundlogic's SBA specialization and aggregator structure make it a direct competitor in the SBA brokerage category.
- National Funding: National Funding provides small business loans, equipment financing, and working capital lines directly to SMBs. It targets the same equipment-financing and working-capital segments Fundlogic serves.
- Balboa Capital: Balboa Capital is an equipment financing and small business lending company offering leasing and loan products to SMBs across the U.S., closely overlapping Fundlogic's equipment financing core.
- Currency (formerly Currency Capital): Currency operates a commercial equipment financing marketplace aggregating multiple lenders, directly analogous to Fundlogic's equipment financing aggregator model and SMB target segment.
- Rapid Finance: Rapid Finance is an SMB-focused lender and broker offering working capital, merchant cash advances, and small business loans — directly comparable to Fundlogic's MCA and term loan products.
- Smarter Finance USA: Smarter Finance USA is an SMB equipment financing and working capital provider serving a similar customer profile to Fundlogic, including owner-operators and small businesses across verticals.
Broad incumbents
- OnDeck (Enova): OnDeck is an established digital SMB lender offering term loans and lines of credit; it competes with Fundlogic in SMB working capital but is a direct balance-sheet lender rather than an aggregator.
- BlueVine: BlueVine is a digital SMB banking and lending platform offering lines of credit, term loans, and invoice factoring; it overlaps with Fundlogic's working capital and factoring products and represents a more established, well-funded competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Fundlogic social profiles
Digital presenceFundlogic compliance and trust
Trust signalCompliance1 record
Fundlogic financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fundlogic leadership team
Management profileNumber of profiles
Profiles2 records
Fundlogic funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fundlogic 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 Fundlogic
What does Fundlogic do?
Fundlogic operates as a commercial loan originator and aggregator that sources equipment financing, SBA loans, term loans, revenue-based factoring/MCA, business lines of credit, real estate financing, and merchant processing for small and mid-sized U.S. businesses. The firm accesses an ecosystem of hundreds of partner lenders (including SBA-backed programs) to place deals with the best-fit lender and pricing, using a no-credit-impact pre-qualification flow and electronic application tools, with equipment financing routinely funded in 24-48 hours and aggregate deal sizes up to $10 million.
Is Fundlogic a public or private company?
Fundlogic is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fundlogic founded?
Fundlogic was founded in 2023. It employs 11 to 50 people.
Where is Fundlogic based?
Fundlogic is headquartered in Stamford, United States, in the North America region.
How does Fundlogic make money?
Seven revenue lines are on record. Equipment Financing Origination is the primary driver. The others are SBA Loan Origination, term Loan Origination, revenue-Based Factoring / MCA, real Estate Loan Origination, line of Credit Origination and merchant Processing Fees.
Who are Fundlogic's main competitors?
Direct peers on record are Lendio, Fundera, SmartBiz, National Funding, Balboa Capital, Currency (formerly Currency Capital), Rapid Finance and Smarter Finance USA. Broad incumbents are OnDeck (Enova) and BlueVine.
Does Fundlogic have an API?
No public API is recorded for Fundlogic.