---
title: "FunnelFi vs. SimpleCheck: Which Soft-Pull Pre-Qualifier Fits Your Team? (2026) | FunnelFi"
url: https://funnelfi.ai/compare/funnelfi-vs-simplecheck
description: "FunnelFi and SimpleCheck both run FCRA soft pulls with no SSN. SimpleCheck targets high-ticket consumer sales from $97/mo. FunnelFi covers that plus B2B lending with full credit reports and program matching from $499/mo."
lang: en
---

← All comparisons (https://funnelfi.ai/compare)

Named competitor

# FunnelFi vs. SimpleCheck: Which Soft-Pull Pre-Qualifier Fits Your Team? (2026)

Quick answer

Both run soft-pull credit checks from name/phone/email with no SSN. SimpleCheck is built for high-ticket consumer sales (coaches, med spas, solar) starting at $97/mo + $3.10/report. FunnelFi covers that via its Agency tier ($5/run PAYG or $399/mo) and extends to B2B lenders and mortgage LOs with full credit reports, FICO, DTI, and loan program matching from $499/mo.

FunnelFi is best for

Lenders, ISOs, mortgage LOs, and lead agencies that need a verdict + program match. High-ticket sales teams that want BNPL (Affirm/Afterpay/Klarna) pre-qual signals.

SimpleCheck is best for

High-ticket consumer sales teams already using a SimpleCheck-managed opt-in form and needing native one-click Meta CAPI on paid social.

## Side-by-side comparison

| Criterion | FunnelFi | SimpleCheck |
| --- | --- | --- |
| Input required | Name, phone, email, no address, no SSN | Name, email, phone, no SSN |
| Time to verdict | Under 3 seconds | Real-time on SmartForm submit |
| SSN required | No | No |
| Data returned | Business/Mortgage: full credit report + FICO + DTI + program match. Agency: score + available credit + BNPL pre-qual. | Credit score + available credit + reported annual income |
| Program matching | Yes, MCA, SBA 7(a), LOC, term, Conventional, FHA, VA, HELOC, Jumbo | No, you set score/credit routing rules in SmartRoute |
| Customizable Pre-Qualification Forms | Yes | No |
| Customizable Pre-Qualification Website | Yes | No |
| CRM integrations | HubSpot, GoHighLevel, Salesforce, Zapier, Make, n8n, Typeform, ClickFunnels | GoHighLevel, HubSpot, Salesforce via SmartRoute |
| Pricing model | Agency $5/run · Business/Mortgage $12/run · subs from $399/mo · no platform fee | $97/mo + $3.10/report · Custom Build $4,500 setup + $999/mo |
| Implementation time | Same day, API/webhook behind your existing form | Same day on SmartForm (replaces your opt-in form); Custom Build multi-week |
| Best for | B2B lenders + agencies needing verdict, program match, and Verified File deliverable | Consumer high-ticket sales, coaches, consultants, med spa, solar, dental |

**How we compared:** Based on SimpleCheck's publicly listed pricing and features at simplecheck.com and FunnelFi's published pricing as of July 2026. Verify SimpleCheck's current features and pricing on their site (https://www.simplecheck.com/).

## Which is right for you?

Pick FunnelFi if…

- • You need a Qualified/DNQ verdict and loan program matching, not just a score.
- • Your leads arrive without a home address and you don't want to replace your opt-in form.
- • You want transparent PAYG ($5 or $12/run) before committing to a subscription.
- • You need BNPL (Affirm/Afterpay/Klarna) pre-qual signals or an FunnelFi Verified File for lender delivery.

Pick SimpleCheck if…

- • You run a consumer high-ticket funnel where SimpleCheck-managed SmartForm + SmartRoute is a fit.
- • Native one-click Meta CAPI with no middleware is a hard requirement.
- • You want a 7-day free trial before any commitment and are OK with $97/mo minimum.

## SimpleCheck vs. FunnelFi, FAQ

SimpleCheck vs FunnelFi, what's the core difference?

SimpleCheck returns a score, available credit, and income for consumer high-ticket routing. FunnelFi adds a Qualified/DNQ verdict, full credit report, DTI, and loan program matching on Business Funding and Mortgage tiers, plus BNPL pre-qual signals on the Agency tier.

Is SimpleCheck a good fit for B2B lenders?

SimpleCheck is designed for consumer high-ticket sales, not B2B lending. It doesn't return a full credit report, DTI, or program match. Most lenders/ISOs need FunnelFi's Business Funding or Mortgage tier.

Does FunnelFi work for high-ticket sales teams?

Yes. The Agency tier returns credit score, available credit, and BNPL pre-qual (Affirm/Afterpay/Klarna) from name/phone/email in under 3 seconds. PAYG is $5/run with no platform fee; Starter is $399/mo for 100 runs.

Do I have to replace my opt-in form?

No. FunnelFi runs behind your existing form via API or webhook. SimpleCheck's SmartForm plan requires replacing your opt-in with theirs; the Custom Build plan works behind existing forms but starts at $4,500 setup + $999/mo.

How does pricing compare at 100 runs/mo?

FunnelFi Agency Starter is $399 flat. SimpleCheck SmartForm is $97 + $3.10 × 100 ≈ $407. FunnelFi pulls further ahead at 250+ runs (Agency Growth $750/mo vs SimpleCheck ~$872).

Does SimpleCheck return BNPL pre-qual for Affirm/Afterpay/Klarna?

No. SimpleCheck returns score, available credit, and income. FunnelFi's Agency tier returns program-specific BNPL pre-qual signals for Affirm, Afterpay, and Klarna.

Is a soft pull safe?

Yes. Both are FCRA soft pulls, no impact to the applicant's score and not visible to other lenders. You are responsible for capturing consent and certifying permissible purpose.

Which integrates with GoHighLevel?

Both. FunnelFi pushes verdicts, FICO, DTI, and program match into GHL contact records via webhook; SimpleCheck routes leads via SmartRoute.

## Ready to see the verdict for yourself?

Schedule a 30-minute demo, we'll qualify your last 100 leads live.

Schedule Demo: https://funnelfi.ai/schedule-call

See pricing: https://funnelfi.ai/pricing

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