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Highlight Overview

Loan Period

1-4 years

Loan Range



  • No prepayment penalties
  • Competitive rates
  • Simple & flexible


  • Stringent borrower criteria
  • Credit score required
  • Not for startups

Bottom Line

Great financing option for SMBs looking for a simple, flexible term loan or line of credit at competitive rates

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Full Review


Fundation is a flexible credit solutions provider with a unique funding model. The company partners with banks and other financial institutions to provide small business loans, working capital and growth capital to small businesses. 

The company is unique in that it's not just a middleman - they personally invest their own capital into every partnership.

What We Like Best

  • Extreme flexibility

  • Award-winning customer service

  • No prepayment penalties, low upfront fees, competitive pricing

Loan Features

Loan Type: Term loan, Line of credit

Amount: $20K-$500K (term loan), $20K-$500K (line of credit)

Loan Term: 1-4 years for term loan

Requirements for Loan Application

  • At least 1 year in business 
  • 3 or more employees

  • Minimum $100,000 in annual revenue

  • Good personal credit

Application Process

You can apply online for a Fundation loan, so although the company offers conventional products, the application process is unconventional and simple.


Safety & Security

Our reviewers felt very secure providing their details through Fundation's application process, as the company protects customer data and privacy at every step in the process.


Bottom Line

If you're looking for a flexible funding solution from a top online lender, then Fundation could be the right solution for your business.


Please note that all information provided in this review is accurate at the time of publication and is subject to change. The information contained in this review is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The reviewer accepts no responsibility for any consequences whatsoever arising from the use of such information.


Quick Facts About Fundation

Line of credit & term loan
Award-winning customer service

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