Frequently Asked Questions

  • Before you apply
  • Managing your account
  • Support from Fintegra

What is sales-based financing?

Fintegra’s sales-based financing injects a lump sum of cash into a business in exchange for a portion of that business’s future revenue. Business owners can invest our funds as they see fit, and Fintegra manages the daily or weekly debits from the business’s checking account. Unlike a traditional loan, the dollar amount of payments and the length of the payback period aren’t fixed – they vary based on the actual revenue of the business, which prevents an undue burden on the business’s cash flow.

What’s the process?

We’ve put in place a simple 3-step process for getting you the funds your business needs:

  • Complete our online application
  • Review and sign our proposal
  • Answer a few questions from our underwriters


Who can apply for funding?

While we love all small businesses, having a business checking account is a requirement. Our financing also tends to work best for clients with a steady cash flow.


What documents are required?

A short application and copies of your business’ recent checking account bank statements. Yep, it’s that simple.


My start-up needs funding.
Can I apply?

Currently, Fintegra only funds businesses with at least one year of demonstrated sales. Be sure to stay tuned as we plan to expand our offerings.

How much funding can I receive?

You can apply for as little as $10,000 or as much as $250,000.


Will applying affect my personal credit score?

No. Applying for Fintegra funds will not impact your personal credit score. We run a “soft pull” of your credit report, which provides us with the insights we need to underwrite your file without impacting your credit score.

How can I see my balance

Once you’ve received our funds, we’ll send a link to our secure customer portal where you can view your account balance, payment history, and more at any time from any location with Internet access.


Can I apply for more funds?

Yes. Fintegra values a long-term relationship. We get excited watching our customers use funds to grow their business and we’d love to continue to be your capital provider of choice.

How do I send payments?

Payments will be debited automatically from your business checking account via ACH. You won’t have to think about it.

Will I be charged a pre-payment penalty?

Absolutely not. In fact, we offer sizable discounts to merchants who use our funds for a period significantly shorter than what was contracted.

Can I speak with someone from Fintegra?

Of course. Our friendly, U.S.-based Customer Success Team is eager to help.

We believe that speed, innovation, and sophistication shouldn’t come at the expense of human interaction.
We understand that your business and its needs are unique. We’re here to help.


Can I Refer another business to Fintegra?

Yes. In fact, we would very much appreciate that. If you believe in the power of our working capital, our values and integrity or are impressed by our customer support, please share your experience within your network of small business contacts.

I have more than one business.
Can I apply for additional funding?

Yes. Fintegra’s team will ask you to submit the same information for your other business. You will not have to submit personal information again since we already know you.