New York, NY - For many small businesses, access to capital is delayed - or denied entirely - not because the business isn’t performing, but because traditional lenders rely too heavily on credit scores. FundKite is changing that equation by delivering fast business funding through a cash-flow-first underwriting model that prioritizes real sales activity over outdated credit benchmarks.
Instead of focusing primarily on FICO scores, FundKite underwrites businesses by analyzing cash flow history. Using proprietary automation, the company reads bank statements line by line to understand true sales revenue, deposit consistency, and how a business actually operates day to day. This approach allows FundKite to deliver faster decisions and fund businesses that are often labeled “un-bankable” by traditional institutions.
“Credit scores don’t tell you how a business is really performing,” said Alex Shvarts, CEO of FundKite. “A pizzeria, retailer, or service business can have strong daily sales and still get rejected by a bank because of utilization or limited credit history. We look directly at the cash flow - that’s where the truth is.”
This underwriting strategy dramatically accelerates the approval process. By eliminating long credit reviews and rigid score thresholds, FundKite can issue funding decisions quickly - making its solution a powerful business loan fast approval alternative for owners who need capital without delay.
Credit is considered secondary, not decisive. FundKite regularly funds businesses with credit scores as low as 550, particularly when high utilization - not poor performance - is the primary driver of the score. This opens access to capital for a much broader segment of small businesses, including those recovering from economic disruptions or operating with limited credit history.
“Banks were never built to analyze small business cash flow at scale,” Shvarts added. “They can’t efficiently review bank statements the way we can. Our technology allows us to understand revenue patterns instantly and make decisions faster - without sacrificing responsibility.”
Traditional lenders often struggle to underwrite small, transaction-heavy businesses such as restaurants, cafés, and local retailers. These businesses generate revenue daily, but their financial profile doesn’t fit neatly into conventional lending models. FundKite’s technology bridges that gap by evaluating how money actually moves through the business.
Key advantages of FundKite’s fast business funding model include:
- Cash flow as the primary underwriting factor, not credit score
- Funding available to businesses with credit scores as low as 550
- Automation that reads bank statements line by line to assess true sales revenue
- Faster decisions compared to traditional bank timelines
- Boutique-style funding, tailored to each business’s unique cash flow profile
Rather than offering one-size-fits-all financing, FundKite operates with a boutique approach - structuring funding solutions around the specific needs, revenue cycles, and operating realities of each client. This flexibility, combined with speed, makes FundKite especially valuable to business owners who need capital now, not weeks from now.
For financial advisors and alternative finance platforms, FundKite represents a model shift: underwriting driven by real performance instead of legacy credit metrics. For small business owners, it means access - to funding, to growth opportunities, and to financial solutions that reflect how they actually operate.
As demand for faster, more inclusive financing continues to grow, FundKite remains focused on delivering fast business funding that works for modern businesses - especially those overlooked by traditional lenders.
For more information about FundKite’s cash-flow-driven funding solutions, visit FundKite.com.
Media Contact
Name
FundKite
Contact name
Alex Shvarts
Contact phone
(877) 502-5003
Contact address
2 S. Biscayne Blvd #2350
City
Miami
State
FL
Zip
33131
Country
United States
Url
https://fundkite.com/
