FundLinx Online Business Finance Get a Free Quote

ONLINE BUSINESS FINANCE

Turn receivables
into cash — in 24 hours.

Online-first financing trusted by small businesses and sole proprietors.
AI-powered underwriting, no branch visits, available nationwide.

Get Started — It's Free Explore the Service

✓ Funded in as fast as 24 hours

✓ 100% online — no branch visits

✓ Fees from 2%

✓ Sole proprietors welcome

2%+

FEE

Industry-low pricing

24h

SPEED

Funded same day

100%

ONLINE

No branch visits required

12,000+

CLIENTS

Businesses funded to date

Our Service

What We Do

FundLinx

Unlock the cash
trapped in your invoices.

FundLinx is an online-first invoice financing and working-capital service built for small businesses and sole proprietors. Sell us your outstanding invoices and get paid today — without waiting 30, 60, or 90 days for your customers to clear.

Unlike traditional bank loans, no collateral or personal guarantor is required. Businesses with prior losses or outstanding tax balances are still eligible. Our AI underwriting model funds qualifying applicants in as little as 24 hours.

Nationwide coverage, zero branch visits. Submit documents and sign contracts entirely from your phone or laptop.

Three Reasons

Why FundLinx

01

Industry-Low Fees

Our AI-driven credit model strips out manual overhead, letting us offer fees from just 2% — among the lowest in the market. Keep more of your cash where it belongs: in your business.

02

Same-Day Funding

From application to contract to payout — 100% online. Average decision time is 30 minutes, with funds wired to your account in as little as 24 hours.

03

100% Online, Nationwide

Submit documents and sign contracts from your phone or laptop. Trusted by small businesses and sole proprietors from coast to coast — no in-person meetings required.

How it works

How It Works

01

Get a Free Quote

Enter your invoice amount and due date in our online form. Receive an estimated fee in under 30 seconds.

02

Upload Documents

Snap a photo of your bank statement, invoice, and ID with your phone, then upload. Most clients finish in about 5 minutes.

03

AI Underwriting & Offer

Our AI credit model reviews your file and presents a purchase amount and fee — typically within 30 minutes.

04

eSign & Get Paid

Sign the contract electronically and we'll wire funds directly to your bank account — same day, in most cases.

Plans

Pricing

Choose the plan that fits your business size and invoice volume

LITE

Sole Proprietor

Fee from 5%

Up to $7,000 / Same-day funding

  • ・Just 2 documents required
  • ・100% online
  • ・Funded in as fast as 24h

STANDARD

Small Business

Fee from 3%

Up to $350,000 / Same-day funding

  • ・2-party or 3-party structures
  • ・eSign — no paper, no stamps
  • ・Dedicated account manager

ENTERPRISE

Enterprise / Recurring

Fee from 2%

Up to $20M / Recurring contracts

  • ・Volume discounts on recurring deals
  • ・API integration for auto-submit
  • ・Dedicated client dashboard

* Fees shown are indicative. Final terms depend on the payer, invoice amount, and due date.

FAQ

Frequently Asked Questions

Can I use FundLinx if my business has prior losses or unpaid taxes? +

Yes. Because we underwrite the invoice itself rather than your company's balance sheet, prior losses and outstanding tax balances are not the primary focus of our review.

Will my customers find out I'm using invoice financing? +

With our 2-party (non-notification) structure, your customers are not informed. We'll walk you through how that compares with the 3-party option on fees and timing.

Do you really fund applicants the same day? +

If your documents are complete by mid-morning on a business day, same-day funding is achievable. If documents are missing or we need extra time to verify the payer, funding moves to the next business day.

How do you protect my personal and transactional data? +

We operate under an ISO/IEC 27001-aligned information security management system. All communications are encrypted in transit, and access is tightly controlled.

FREE QUOTATION

Get started with a free quote.

See your estimated fee in 30 seconds.
Quotes and consultations are always free — no commitment required.