Find the right funding for your business fairly.
Pre-qualify in minutes. Compare transparent offers from real lending partners. No hidden fees. No gatekeepers. Just fair access to capital.
FairlyFunded is a lending referral service, not a lender.
Working capital approved for NYC HVAC contractor
Trusted by business owners across North America
What they do not want you to know
The lending industry is not built for you
Most business owners have no idea what they are actually paying for funding. Factor rates hide the true cost. Brokers stack fees without telling you. And the businesses that need capital the most get the worst terms. These are the numbers the industry does not advertise.
56%
Average MCA APR that borrowers never see
Industry Data
73%
Of small business loan applications denied by banks
Federal Reserve
$0
What you should pay to apply for funding
FairlyFunded
24h
How fast you can get funded through our network
FairlyFunded
"I had no idea what I was actually paying until I saw the APR. The factor rate made it look affordable."
Business owner, Ontario
"Three banks turned me down. FairlyFunded connected me with a lender who funded me in 48 hours."
HVAC contractor, New York
The average MCA charges 56% APR but most borrowers never see that number. Brokers collect commissions without disclosing them. 73% of small businesses that apply for funding get denied by traditional banks. The ones that do get approved often sign terms they do not fully understand because they need capital now, not next month.
You deserve to see every cost before you commit. That is why every offer on FairlyFunded shows the total payback, the factor rate, the APR equivalent, and our referral fee. Full transparency, every time.
Simple process
Three steps to funding
One application. Multiple offers. Full transparency. No surprises.
Tell us about your business
Fill out one short form. It takes about two minutes and will not affect your credit score.
Compare real offers
See your approved options side by side. Total cost, terms, and fees are all visible on every offer.
Pick what fits and get funded
Choose the offer that works for you. Many businesses receive funds within 24 hours.
Two paths to capital
Choose what fits your business
Whether you need fast working capital or structured growth financing, we connect you with the right offers.
FairCash
Merchant Cash Advance / Revenue Based
Fast, flexible capital when you need it most. Revenue based funding in as fast as 24 to 48 hours with no minimum credit score.
FairGrowth
Term Loans / Growth Financing
Structured term financing for businesses ready to scale. Predictable payments, lower rates, and terms up to 60 months.
Check in 30 seconds
See what you qualify for
Answer three quick questions and instantly see which funding products fit your business. No personal information needed.
- No credit check required
- Instant results
- See estimated funding range
Do I qualify?
3 quick questions. No credit check.
What is your average monthly revenue?
Why founders choose us
Built for the founders who get told no
We built FairlyFunded because too many business owners, especially minority founders, immigrant entrepreneurs, and underserved communities, get locked out of fair funding. The lending industry is opaque, expensive, and stacked against small businesses. We are changing that with transparent pricing, AI powered matching, and zero borrower fees.
Transparent pricing
Every cost is disclosed upfront. APR, factor rates, total payback, and our referral compensation. No hidden fees ever.
Zero application fees
Apply for free. Compare offers for free. There is no cost until you accept an offer and get funded.
AI powered matching
Our platform automatically matches your business profile to the best available offers from our lending network.
Fast automated decisions
Our platform processes applications in minutes, not weeks. Many businesses get funded within 24 hours of approval.
Your data stays yours
Industry standard encryption. We never sell your information. Shared only with the partners reviewing your application.
Minority founded
Built by a founder who understands the barriers. Minority, disability, immigrant, and faith aligned businesses are welcome here.
FairlyFunded was built for minority entrepreneurs, immigrant founders, disabled business owners, and anyone who has been told no by a system that was never designed for them. That changes here.
Common questions
Got questions? We have answers.
No. Our lending partners look at your business health and cash flow, not just a number. New, thin, or challenged credit is welcome.
Many approvals complete within 24 hours. Some programs take longer depending on the product. We will always let you know what to expect.
No. We are a lending referral service. Independent, licensed lending partners make all credit decisions and fund you directly. We show you their offers with full cost transparency.
Our partners offer term loans, lines of credit, merchant cash advances, revenue based financing, equipment financing, and SBA loans. The options shown to you depend on your business profile and what you qualify for.
Yes. We use industry standard encryption for all data in transit and at rest. We never sell your personal information. Your data is shared only with the lending partners reviewing your application.
Ready to get started?
Apply in 2 minutes. Get offers in as fast as 24 hours.
No hard credit check. No application fees. No obligations. Fill out the form and see what options are available for your business.
- No minimum credit score required
- Compare multiple offers side by side
- Full cost transparency on every option
- Your data is encrypted and never sold
- Funding in as fast as 24 hours
Get pre qualified
No hard credit check. Free. Takes 2 minutes.
Your business deserves a fair shot
Stop waiting on gatekeepers. Apply in 2 minutes and see what you qualify for.
Get FundingFairlyFunded is a lending referral service, not a lender. All credit decisions are made by independent lending partners.