My review is written with a bit of mixed emotion. I have noticed that they have made some changes to their website since I first came across it in hopes of getting a small loan for my startup. Like a lot of other loan intermediaries, they claim you only need a certain credit score to qualify. In their case, it is 680. Not exactly true. Common sense will tell you that if someone has a credit score around 680, they likely have either a lot of debt or one or more accounts in collections or both. Otherwise, the score would be much higher, right? Well, when they pair you with a lender based on your score, you then learn that you need to pay down the debt to a certain percentage and/or take care of anything in collections, even if it is something you are disputing. Oh, and you have 7 days to do it in order to move forward with your new business loan. Other than that, I will say that they are very friendly, and do want to help you. Each vendor they work with has different rules. I just wish that information would have been more transparent from the get-go, rather than telling me that I qualified, getting my hopes, but wasting my time in the end. My suggestion is to proceed with caution and low expectations. Odds are that if you are being turned down by banks, this is likely to not work out either. Get your affairs in order and go through a local bank or sba-approved lender. Better terms and better rates, and a guaranteed amount up front. The vendor in my case couldn't guarantee the final amount I would qualify for until all paperwork had been processed. So, if I had followed through, I could have ended up with a loan or credit card for less than what I needed, which would affect my credit and prevent me from moving forward with the business. In the end, had I done my homework on companies like Fundera, I would have never filled out the application. That is on me. Not saying it couldn't work out for you. Just thought I would share my experience. Bottom line - there is more to it than a good credit score.