Fundation is a direct online lender that provides business term loans and lines of credit. It’s recognized for its working capital financing — or funding meant to cover day-to-day expenses, rather than the cost of large projects — usually in the form of a line of credit. Term loans are available in amounts up to $500,000. Fundation lines of credit provide ongoing access to a credit limit of up to $100,000.

Fundation, a digitally-enabled lender and credit solutions provider to banks, develops integrated small business lending solutions. With Fundation, banks are empowered to deliver credit online, drive cost efficiency into their lending process and maximize customer retention. Fundation also has the operational and compliance capabilities to be a committed and reliable partner.

Loan Features

We offer conventional products through an unconventionally simple process. We take many factors into account when pricing a business loan or line of credit. There is no simple formula to explain how an interest rate is determined, but you can think of it in the following 4 categories.

Application Process

Application Criteria:
Business must be at least one year
You must have at least three employees
Must have an annual revenue of at least $100,000
You must have a personal credit score of at least 600
You cannot live or operate your business in North Dakota, South Dakota or Nevada

For customers who apply online, they experience real-time, interactive feedback during their loan application process, so customers have visibility into some of the characteristics we evaluate in their application. Minimal documentation required, electronic closing, and funding available as soon as 1 business day after completing our online application.

Access your account anywhere, anytime. Easy and convenient online account access to perform a variety of account management activities.

Repayment Terms

Min Loan Amount $20,000
Max. Loan Amount $500,000
Min APR From 7.99%
Minimum Loan Term 1 year
Maximum Loan Term 4 years

Customer Support

11501 Sunset Hills Road, Suite 100 Reston, VA 20190

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