--- title: "SMB Funding Pre-Qualification for Lenders & ISOs | FunnelFi" url: https://funnelfi.ai/smb-lenders description: "FunnelFi pre-qualifies every merchant on credit, obligations, bank statement strength and program fit in real time - built for SMB lenders, funders, ISOs, brokers and business funding lead generators." lang: en --- For SMB lenders, ISOs, brokers & funding lead generators · See plans (https://funnelfi.ai/pricing) SMB Funding ISOs Brokers # Know which businesses can actually fund before the first call. FunnelFi is the pre-qualification layer for business funding. Every applicant is screened on credit, obligations, bank statement strength and program fit in real time, so lenders, ISOs and lead generators only work paper that can close. - Soft pull · no SSN · no score impact - Fundability score on every merchant - SBA · LOC · MCA · equipment match - Files delivered to your CRM or LOS Get Started: https://funnelfi.ai/pricing Book a Demo: https://funnelfi.ai/schedule-call FCRA-compliant Credit report included Image: FunnelFi dashboard showing qualified business funding merchants, approval amounts and pipeline value (https://funnelfi.ai/assets/funnelfi-dashboard-hero-pii-DLO6f894.webp) ## In SMB funding, the cost of a bad file isn't just the price. It's the rep hour, the intake call, the statement request, the underwriting pull and the funder relationship you spend submitting paper that was never going to buy. FunnelFi moves that verdict to the very front of the process. $40–$150 Cost of one business funding lead Paid before anyone knows whether the merchant can fund at all. ~7 in 10 Submissions that never become paper Thin credit, stacked obligations, too few months in business. 1.8s Time to know instead of guess Credit, obligations, statements and program fit before the first dial. ## The problem isn't your sales floor. It's five disconnected systems. Your reps aren't lazy and your marketing isn't broken. The merchants were never fundable, and nothing in your stack knew that until after the money and the hour were already spent. The stitched-together stack ### Guess first. Pay to find out later. - Lead vendor delivers form fills with no financial signal - A separate form builder that can't verify a phone number - A credit tool your reps log into after they've already dialed - A calendar that books anyone who clicks - A pixel learning from junk leads, so your ads buy more junk Buying more leads doesn't fix this. It scales it. One plug-and-play system ### Qualify first. Only work fundable paper. - Branded funding funnels that pre-qualify before submit - Phone verification and custom qualification questions built in - Soft-pull credit, obligations and program match in ~1.8s - Only fundable merchants reach the calendar or the dialer - Meta CAPI feeds real funding outcomes back to your ads ## Use the funnel you have. Or start with one built for you. Add qualification to the business funding flow you already run, or launch a complete merchant experience with the essential steps already connected. Image: GoHighLevel logo (https://www.google.com/s2/favicons?domain=gohighlevel.com&sz=128) Image: ClickFunnels logo (https://www.google.com/s2/favicons?domain=clickfunnels.com&sz=128) Image: Heyflow logo (https://www.google.com/s2/favicons?domain=heyflow.com&sz=128) Image: Typeform logo (https://www.google.com/s2/favicons?domain=typeform.com&sz=128) Image: Webflow logo (https://cdn.simpleicons.org/webflow/518DEE) Image: Unbounce logo (https://www.google.com/s2/favicons?domain=unbounce.com&sz=128) Image: Jotform logo (https://www.google.com/s2/favicons?domain=jotform.com&sz=128) Image: Zapier logo (https://cdn.simpleicons.org/zapier/FF4A00) FunnelFi connects ### Your funding funnel, now built to identify fundable files. Keep your landing pages, applications, CRM and lender workflows. FunnelFi adds credit intelligence, statement collection, program matching and partner routing without forcing a rebuild. - Connect existing lead forms, applications and CRM workflows - Route files by funder criteria and buy box - Keep your current campaigns, branding and sales process apply.yourfundingbrand.com Image: Complete FunnelFi business funding website and merchant qualification funnel (https://funnelfi.ai/__l5e/assets-v1/693fd4d9-7d15-47fd-9257-2c2dfff0b273/funnelfi-funding-site-v2.webp) Mobile-optimized Conversion-tested Fully customizable ### Start with a complete funding funnel. Launch a branded, mobile-ready funding site with merchant intake, phone verification, secure document collection, pre-qualification and calendar booking already working together. - Conversion-tested business funding templates - Customize products, questions and underwriting rules - Go live without waiting on design or development ## Three steps between your ad spend and a fundable pipeline. Nothing in your current workflow gets replaced. FunnelFi runs in front of it. Step 01 · Live the same day ### Deploy the funding funnel Launch a branded funding funnel, application and decision flow from a template, or point FunnelFi at the forms and CRM your shop already runs. Step 02 · ~1.8 seconds ### Every merchant pre-qualifies Phone verification, time-in-business and revenue questions, soft-pull credit, obligations and bank statement scoring run automatically. No SSN, no score impact. Step 03 · Automatic ### Route the fundable paper Fundable files hit your reps, your calendar or your funder portal with an approval band attached. DNQs route to nurture, and outcomes flow back to Meta via CAPI. ## One soft pull. Every business funding program. FunnelFi scores the merchant against the thresholds your funders actually use, then returns the products they're most likely to be approved for with an estimated amount attached. Your rep opens with an offer instead of a discovery question. Business line of credit Revolving · up to $500k Credit tier and utilization decide the draw band before the call. SBA & term loans Up to $350k Time in business, credit depth and obligations screened at intake. Equipment financing Asset backed Match by ticket size and payment capacity, not a guess on the phone. Merchant cash advance Revenue based Deposit volume, average balance and NSFs scored automatically. ## What your team sees before the first call. Soft-pull credit ### The credit file, without a hard inquiry Tradelines, utilization, derogatories and score band on the owner, pulled with a name, phone and email. No SSN, no application, no score impact. - No SSN or full application required - No hard inquiry or score impact - FICO, tradelines and utilization returned in seconds - Runs from name, phone and email only Image: Soft-pull credit report for a business funding applicant inside FunnelFi (https://funnelfi.ai/__l5e/assets-v1/529dd092-eead-4e87-9944-03e28bb8c045/omnia-credit-report-blurred.webp) Bank statement scoring ### Statements read and scored automatically Deposit volume, average daily balance, NSFs, negative days and existing funding positions become a fundability score, no analyst opening PDFs to find out the merchant never qualified. - Deposit volume and average daily balance analyzed - NSFs, negative days and revenue consistency flagged - Existing funding positions and debt exposure checked - Fundability score before the first rep touch Image: Bank statement fundability score for a business funding file (https://funnelfi.ai/__l5e/assets-v1/3acf0707-d87a-49fe-bb12-4ffffe02ac49/omnia-bank-statement-fundability-score.webp) Matched offers ### Know the approval before the call Each merchant returns approved programs and amounts across SBA, LOC, MCA and Equipment leasing, so the first call is a real offer conversation. - SBA, LOC, MCA and Equipment leasing matches in one run - Estimated approval amount attached to each offer - Only fundable merchants reach your reps - DNQs route to nurture automatically Image: Matched business funding offers with approval amounts inside FunnelFi (https://funnelfi.ai/__l5e/assets-v1/2105d7e1-333b-44eb-bf6f-14269ad5a4da/offers-dashboard-dark-v2.webp) ## Everything a lender needs to decide. Included in every run. No add-on report fees, no separate credit vendor, no per-seat data upsell. One pre-qualification returns the entire financial picture of the merchant. - Real-time Qualified / DNQ decision on every merchant - Credit score, tier and full tradeline detail - Total unsecured debt and monthly obligations - Time in business and revenue signals - Bank statement analysis and fundability score - Estimated approval amount and realistic payment band - Program eligibility: SBA, LOC, MCA and equipment - Collections, inquiries, late pays, installment and revolving detail - Full credit report, downloadable, included, no add-on fee - No SSN required. Soft pull. No score impact. - Every file logged to your FunnelFi pipeline automatically - Direct CRM, LOS and webhook delivery Image: FunnelFi credit profile dashboard showing qualification score and key business funding signals (https://funnelfi.ai/assets/image-458-pii-CUad29Iy.png) ## Built for everyone who touches a funding file. Direct lenders, funders, ISOs, brokers and the shops generating SMB funding leads. ### Direct lenders & funders Underwriters stop opening files that were never fundable. Every application arrives with credit, obligations and a fundability score attached. - Fundability scoring at intake - Program match per file - Underwriting bandwidth back ### ISOs & brokers Submit only files your funders will actually buy. Your reps open the call with an approval band instead of a discovery question. - Qualified-only submissions - White-label buyer portal - Higher paper acceptance ### SMB lead generators Sell pre-qualified funding files, not form fills, and prove the financial picture on every merchant you deliver. - Per-buyer funnels - Meta CAPI feedback loop - Priced on quality ## Business funding questions, answered. No. FunnelFi runs a soft credit pull only. It never shows as a hard inquiry and has zero impact on the owner's score. ## Stop Guessing. Start Funding. Screen every merchant on credit, obligations, statements and program fit before your reps spend another hour on paper that was never going to buy. Soft pull only No SSN required Zero score impact Credit Report Included ## Structured data ```json [ { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://funnelfi.ai/#organization", "name": "FunnelFi", "url": "https://funnelfi.ai", "logo": "https://funnelfi.ai/favicon.png", "sameAs": [] }, { "@type": "WebSite", "@id": "https://funnelfi.ai/#website", "url": "https://funnelfi.ai", "name": "FunnelFi", "publisher": { "@id": "https://funnelfi.ai/#organization" } } ] }, { "@context": "https://schema.org", "@type": "Service", "name": "FunnelFi for SMB Lenders, ISOs & Brokers", "description": "Plug-and-play pre-qualification funnel system for business funding: branded funnels, phone verification, soft-pull credit, obligations, bank statement scoring and loan program matching in real time.", "url": "https://funnelfi.ai/smb-lenders", "provider": { "@id": "https://funnelfi.ai/#organization" }, "serviceType": "Business Loan Pre-Qualification", "areaServed": "US" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Does this affect the business owner's credit score?", "acceptedAnswer": { "@type": "Answer", "text": "No. FunnelFi runs a soft credit pull only. It never shows as a hard inquiry and has zero impact on the owner's score." } }, { "@type": "Question", "name": "What do I need to pre-qualify a merchant?", "acceptedAnswer": { "@type": "Answer", "text": "Just a name, phone number and email. No SSN, no full application, no stipulation package up front." } }, { "@type": "Question", "name": "Do I need to replace my CRM, dialer or LOS?", "acceptedAnswer": { "@type": "Answer", "text": "No. FunnelFi sits in front of them. The funnels, applications, verification and credit decisioning are built in, and fundable files push into whatever system your team already works in via webhook or API." } }, { "@type": "Question", "name": "How does this help an ISO or broker specifically?", "acceptedAnswer": { "@type": "Answer", "text": "You submit only paper your funders will actually buy. Every file carries credit tier, obligations, bank statement fundability and program match, so acceptance rates climb and you stop burning funder relationships on dead submissions." } }, { "@type": "Question", "name": "Can SMB lead generators use this to sell better leads?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. You can run per-buyer funnels and deliver pre-qualified funding files instead of form fills, with the financial picture attached, which lets you price on quality rather than volume." } }, { "@type": "Question", "name": "How does the Meta CAPI integration improve my ads?", "acceptedAnswer": { "@type": "Answer", "text": "FunnelFi sends real qualification outcomes, qualified, approval band, program match, back to Meta as conversion events, so the ad platform optimizes toward merchants who actually fund instead of anyone who fills out a form." } }, { "@type": "Question", "name": "How fast are results returned?", "acceptedAnswer": { "@type": "Answer", "text": "Real time. Merchants are screened and decisioned in roughly 1.8 seconds, before they ever reach a rep." } }, { "@type": "Question", "name": "What comes back on every file?", "acceptedAnswer": { "@type": "Answer", "text": "Qualified or DNQ status, credit score and tier, monthly obligations and unsecured debt, time in business and revenue signals, bank statement fundability scoring, program eligibility across SBA, line of credit, MCA and equipment, plus a full downloadable credit report at no extra cost." } }, { "@type": "Question", "name": "How long does setup take?", "acceptedAnswer": { "@type": "Answer", "text": "Most funding shops are live the same day. Pick a funnel template, set your qualification thresholds, connect your CRM and pixel, and start sending traffic." } } ] } ] ```