Know which merchants can actually fund before the first dial.
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
In SMB funding, the cost of a bad file isn't the lead 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
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 underwriter sees before the file is ever submitted.
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.
Bank statement scoring
Statements read and scored automatically
Deposit volume, average daily balance, NSFs and negative days become a fundability score — no analyst opening PDFs to find out the merchant never qualified.
Matched offers
Know the approval before the call
Each merchant returns approved programs and amounts across SBA, LOC, MCA and equipment, so the first call is a real offer conversation.
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
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.
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.