Funding that fits
your business.

We'll tell you exactly what you qualify for.

Built for business owners, not bankers.

2 min
Average time
6
Quick questions
10+
Lender partners
100% FREE| EASY APPLICATION| COMPETITIVE RATES| FLEXIBLE TERMS| 0 CREDIT IMPACT
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QUESTION 1 OF 6 · LOAN AMOUNT

How much do you need?

Ballpark it — exact numbers aren't required.

$5K – $500K+
$5K$500K+
We never pull credit for any of this
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QUESTION 2 OF 6 · PURPOSE

What do you need it for?

Pick the closest one, or tell us in your own words.

Expansion
Marketing
Cash flow
Refinance
Taxes
Vehicle
Real estate
Equipment
Inventory

Something else?

We match each purpose to specialized lenders
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QUESTION 3 OF 6 · TIME IN BUSINESS

How long have you been in business?

Just pick what fits today.

0 – 6 months
6 – 12 months
1 – 2 years
2+ years
No documents required to see your matches
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QUESTION 4 OF 6 · MONTHLY REVENUE

What's your average monthly revenue?

Last three months' average works fine.

$0 – $250K+ /mo
$0$250K+
or pick a range
Less than $8K
$8K – $15K
$15K – $30K
$30K+
Shared only with lender partners — never sold to data brokers
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QUESTION 5 OF 6 · INDUSTRY

What industry is your business in?

Pick a top option, or type your own.

Restaurant
Retail
Construction
Trucking
or type your industry
10+ lender partners across every major industry
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QUESTION 6 OF 6 · PERSONAL CREDIT

How would you rate your personal credit?

A rough range is plenty. Zero impact on your credit score.

Excellent (720 – 850)
Good (690 – 719)
Fair (630 – 689)
Poor (350 – 629)
Soft estimate only — we never pull your credit report
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ALMOST THERE · STEP 7 OF 8

Where should we send your matches?

See your matches in seconds — a specialist follows up only if you want one.

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LAST STEP · STEP 8 OF 8

A couple more details
(optional).

So your specialist can route you to the right partner. Skip if you'd rather just see offers.

You're almost done — these are optional

Finding your matches...

Scanning 10+ vetted lenders in our partner network

Reviewing your business profile
Checking eligibility across our network
Matching your needs to specialized lenders
Finalizing your best-fit matches
YOUR MATCH

We found your match, !

Based on your profile, we're connecting you with

National Funding

Specialized partner · matched to your profile

A specialist from National Funding will reach out within 24 hours.

What happens next

1
We forward your details to National Funding
Sent securely with your consent. No spam, no third parties.
2
A specialist reaches out within 24 hours
Expect a call or email from a National Funding loan specialist.
3
Review and accept — no obligation
Compare the offer terms, ask questions, accept when ready.
“

I had funding in my account within two days. OptiFund matched me with a lender that actually understood my industry — no endless paperwork, no surprises.

MR
Maria R.
Owner, Westside Catering Co.
10+
Lender partners
~60s
Average match time
$0
Cost to you, ever

Common questions

Will this affect my credit score?
No. OptiFund never performs a hard credit pull. We only use a soft estimate to match you with the right lender, which has zero impact on your credit score.
How much does OptiFund cost?
OptiFund is completely free for borrowers. We earn a fee from lenders only when you successfully receive funding — there's never any cost to you.
What happens to my information?
Your information is shared only with your matched lender partner. We never sell data to third parties or data brokers.
How quickly will I hear back?
A specialist from your matched lender will typically reach out within 24 hours via phone or email.
Bank-level encryption
SOC 2 compliant
No spam, ever