Fundwise Capital Review
Fundwise Capital specializes in 0% interest lines of credit, installment loans, and large
funding amounts over $100,00 or more.
Excellent 8.6/10
144 reviews 

Fundwise Capital works with clients with good credit scores of 680 or higher. They specialize in helping startups, real estate investors, and existing business owners raise large amounts of low interest capital based on the clients personal credit. If your looking for an alternative to an SBA loan that doesn't require multiple documents to apply, Fundwise Capital is our best pick.



Fundwise Captial offers 4 kinds of Business Financing: Business Credit Cards, Business Lines of Credit, Installment loans, and Personal Lines of Credit. 

What Do I Need to Qualify?

Personal Funding 

  • 2+ Years of Positive Credit

  • Credit Score: 680+

  • No Recent Collections

  • Current Credit Limit of $5k+


Business Funding

  • 3+ Years of Positive Credit

  • Credit Score: 700+

  • LLC or Corporation

  • No Recent Collections

  • Current Credit Limit of 5k+

  • Less then 5 Inquiries in the last 6 months


To apply for Fundwsie Capital you will need to fill out an online pre-qualification form.  You will then be asked to open a credit monitoring account with CreditCheckTotal. This will allow Fundwise to analyze all 3 of your credit reports without hurting your credit score. If you qualify you will receive a call from Fundwise Capital letting you know exactly how much funding you qualify for based on your credit profile. 

Apply Here with Fundwise Capital 

Fundwise Capital at a Glance

Fundwise Capital matches Startup Business owners, Real Estate Investors, and Existing Business owners with the lowest interest funding based on your personal credit profile. 

loan amount

Possible Funding:

$20,000 to $250,000+

Loan Term

Lines of Credit:

Pay back at 1% to 2% per month. User over and over.

Unsecured Loans:

36 months to 84 months

interest rates

Lines of Credit:

0% interest for 9 to 21 months 

Unsecured Loans:

6.20% - 22.40%


Fundwise can obtain funds  in 7 - 14 days. On average, though, Fundwise can fund your application in 10 days.

Fundwise Capital Does not offer Financing to the Client types below:

  • Those with a personal credit score of 680 or below

  • Those with more then 5 credit inquiries in the last 6 months 

  • Those with collections less then 1 year old

  • Those with a credit profile less then 2 years old

  • Those without a high credit limit of at least $5,000

Other Important Eligibility Factors for Fundwise Capital:

  • Fundwise offers Business Funding for all entity types.

  • Fundwise offers invoice financing in all states.

  • Fundwise does not require a minimum average bank balance to be eligible.

  • Fundwise does not require you to have a current business to qualify. 

  • Fundwise will tell you exactly what to do to become eligible if you don't qualify.

  • Fundwise does not require income verification but it can help.

You’ve Reviewed Fundwise Capital.

Are You Ready to Apply?

Fundwise Capital Financing Qualifications 

As it turns out, anyone with a good personal credit score and a clean credit profile can qualify for financing.  

How much you qualify for—and the interest rate you’ll pay—depends entirely on your personal credit profile and the amount of provable income you can show.

Unsecured financing can be a great option if you have great personal credit but don't qualify or don't have the time to wait for an SBA loan. 

In fact, if you have a 720+ credit score and a thick credit profile, it's possible to borrow up to $250,000 or more in low interest lines of credit in as little as 7 to 14 days without having to show tax returns. 

Most Customers who qualified had 

Annual Revenue
Over $70,000
Time in Business
0 to 3 months
Credit Score

What you will need to apply? 

  • Credit monitoring account with CreditCheckTotal or PrivacyGuard

  • May need last 2 paystubs depending on personal credit

  • General information about the business (business address, phone number, business DBA, and Tax ID Number)

  • Personal information about the business owner applying (phone number, email, personal address, social security number, date of birth, ownership percentage).

Get a Free Funding Estimate Without Affecting Your Credit Score. 

What you should know about Fundwise

  • Fundwise Capital charges a fee of 9% on the backend and $500 upfront to obtain funding. This is 5% less then other lenders offering the same type of funding. 

  • Fundwise Capital can usually get clients approved for 0% interest funding helping clients save thousands compared to other lenders. 

  • Fundwise can help your business get approved for business lines of credit that only report to business credit profile.

  • Fundwise can help you beef up your personal credit profile to help you get approved for the maximum amount of business funding possible. 

  • Fundwise is not a direct lender, instead they work with lenders offering the lowest interest rates. 

  • Fundwise educates clients on how to borrow cash for less then 3% by having the right combination of lenders. 

  • Fundwise can fund applicants in 7 - 14 days. On average, though, Fundwise can fund your application in 10 days.

  • Fundwise requires borrowers with credit scores of 680+ 

  • Fundwise may not need income verification if your personal credit is excellent  .

  • Fundwise will need to see all 3 credit profiles in order to get you the best funding possible. They will ask you to open a credit monitoring account with creditchecktotal or PrivacyGuard so they can analyze your credit without affecting your credit score. Pulling your own credit will result in a soft inquiry only. 

  • Fundwise can get clients approved for up to $250,000 or more based on personal credit alone. They do not require collateral, tax returns, or minimum time in business.

  • Fundwise Capital is the lender Grant Cardone recommends to clients needing funding for real estate deals. 

Want to know if you qualify for funding

with Fundwise Capital?

Fundwise Review: The Underwriting Process 

If you apply with Fundwsie Capital, Fundwise is mostly concerned with the details of your personal credit profies.  During the underwriting process, Fundwise will look at your personal credit scores and your personal income —they’ll want to see that you have 680+ credit scores on Experian, Transunion and Equifax and personal income of $40,000 or more. 

Your personal credit profile should have some age to it, at least 2 years or more. Your highest credit limit should be at least $5,000 or higher and you should have no collections or late payments in the last 2 years. They also want to see less then 3 inquiries in the last 90 days and less then 5 inquiries in the last 6 months. 

If your personal credit profile is thick enough and your credit scores are high enough you may not need to show any type of income verification. If your credit scores are in the high 600's you may need to show your last two paystubs to help prove your income. 

What separates Fundwsie Capital apart from other lenders is there ability to obtain funding on all 3 personal credit profiles. This means if you have a low credit score on your transuion credit report but still have good scores on your Equifax and Experian credit profiles, Fundwise will still be able to obtain funding for you based on your good credit profiles only. This can be very helpful if your personal credit is showing good on 1 or 2 profiles but bad on the others. 

At the end of the underwriting process, approved borrowers will be given a total funding estimate. This is based on the information the underwriters manually reviewed on all 3 of your credit reports. If you decide to accept your funding estimate, Fundwise Capital will go ahead with the application. If you decide to decline the funding, your credit score will have not been affected in any way since no hard credit pull has been done. 

If you do accept your funding estimate and move on with your application, Fundwsie Capital will submit your application to the exact lenders that they believe you will qualify for. They know each lenders requirements so this helps you minimize the possibility of being rejected by lenders and not obtaining the funding you need. 

Fundwise Capital Review:  Post-Funding

If you’re approved for funding through Fundwise Capital you will be given a funding consultant who will walk you through how to use your funding in a way that allows you to continue borrowing money from your lines of credit continuously whenever needed. 

They will also show you how to extract cash from these lines of credit at less then 3% which can be very helpful if you need to borrow large amounts of cash for real estate, paying employees, office rent or anything else that requires cash. 

If you need more funding, Fundwise allows you to apply for new rounds of funding every 6 months. This allows you to build up your personal and business credit profiles and helps you cut out the middle man lenders in the future. Although you pay a backend fee the first time you borrow money with Fundwise, once that fee is paid you can borrow from your lines of credit over and over again for years without paying fees each time you borrow. 

Fundwise Review: Why Work With Them?

Fundwise Capital is a great lender for small business owners with good personal credit who want an easy and fast financing solution that doesn't require tax returns, time in business, or other extensive requirements. You can complete the entire application process online within minutes and get the funding you need in 10 days on average.

Fundwise is also great for business owners who may have good personal credit on one credit profile but bad personal credit on another. 

In the end, if you have good personal credit and want to borrow money at the lowest rates possible without waiting months to qualify for an SBA loan or showing tax returns then Fundwise Capital is a good choice. 

Fundwise Capital Review: When Are They Not a Fit?

If you’re considering financing with Fundwise, you’ll want to make sure that you have great personal credit. If your personal credit is very young (oldest account is 2 years old or less), you have multiple collections, late payments, or recent inquiries then you may want to fix your personal credit before applying with Fundwise Capital. 

How Fundwise Works:

READY? Its Free - Prequalify without affecting your credit score 

11721 Whittier Blvd, 

Whitter, CA 90601

Ste 212

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