Your Business Financing Questions, Answered

No. Fundur is a financing marketplace, not a lender. We don't make credit decisions or guarantee approval, rates, terms, or funding times — we check your business against a network of lenders so you can compare real offers in one place.

A bank typically offers you its own products, at its own criteria, with one answer. Fundur checks your business against a network of lenders through a single application, so you're comparing more than one real offer instead of taking the only one you're shown.

No. Grants don't need to be repaid; everything in Fundur's network is financing that does. If you're specifically researching grants, that's a different category of funding than what Fundur provides.

No. Every product in Fundur's network is debt financing — you borrow it and repay it, with no ownership stake changing hands. If you're looking for capital in exchange for equity, that's a different path.

Not as a general rule. Loan forgiveness is unusual outside specific, time-limited government programs — the Paycheck Protection Program (PPP) is the best-known example, and it was a separate, now-ended pandemic-era program, not a standing feature of business loans or SBA loans generally.

"Business loan" usually means a lump sum you repay on a fixed schedule — a working capital loan or term loan, for example. A line of credit is revolving: you're approved for a limit and draw against it as needed, paying interest only on what you use. Both are financing; the structure is what differs.

Both give you a lump sum with fixed payments. A business term loan usually funds faster with a simpler approval process. An SBA loan is backed by a federal guaranty, which typically means a longer term and lower rate in exchange for a slower, more document-heavy close.

They're often used interchangeably, but they're different products. In short: factoring sells your invoice and the factor collects from your customer directly; financing borrows against your invoices as collateral while you keep collecting. Invoice Factoring has a dedicated section that draws the line precisely — read that for the full distinction rather than relying on the short version here.

No, and Fundur doesn't offer merchant cash advances as a product. Some lenders market a working capital loan as a merchant cash advance (MCA); structures, rates, and terms vary by lender across Fundur's network, and a properly structured working capital loan is generally the better-built alternative.

A lender reviews what you submitted — verifying bank activity, time in business, and the other basics — before issuing a decision. This step is called underwriting, and it's where an initial estimate can become a firm, final offer. How long it takes depends on the product and how quickly documents are provided; see what you may be asked to show.

It depends on the product, your revenue, and your lender — amounts vary widely across the six financing types in Fundur's network, so there isn't one honest number to give here. Checking your options is the fastest way to see real figures for your business.

No. Seeing an offer isn't the same as accepting it. You can compare more than one offer, ask questions, or walk away — nothing is final until you formally accept. See how to compare two offers correctly.

That can happen — an early estimate isn't a guarantee. Rates, fees, and terms are determined during underwriting based on your actual financials, and your final terms are disclosed in full before you accept anything.

It varies by lender and product, and can include a late fee, an effect on your credit, or other terms specific to your agreement — see fees you may encounter for what to check. If cash flow is getting tight, contacting your lender before a payment is missed is generally the better move than waiting.

Often, yes — many businesses use more than one type at once, like a line of credit for day-to-day operations alongside equipment financing for a specific asset. Existing obligations are one of the factors a lender weighs on any new application, so what you already carry can affect what you qualify for next.

A UCC lien is a public filing that gives a lender a claim on specific business assets — or, in a blanket lien, on assets generally — until a loan is repaid. It's how a lender formalizes collateral, not a separate penalty. Whether one applies depends on whether your financing is secured; see collateral vs. personal guarantee.

It can. Consistent, on-time repayment is generally a positive signal for future financing, though not every lender reports to every business credit bureau — if building a business credit profile matters to you, it's worth asking a lender directly whether and how they report.