New York, NY - For millions of entrepreneurs, securing financing remains a challenge - not because their businesses aren’t generating revenue, but because traditional banks rely heavily on credit scores that fail to reflect real-world performance. FundKite is addressing this gap by offering a small business loan alternative built on what matters most: cash flow.
While banks often require high credit scores and long credit histories, FundKite takes a fundamentally different approach. Using proprietary automation, the company underwrites businesses by analyzing their cash flow history, reading bank statements line by line to understand true sales revenue. This method allows FundKite to fund businesses that banks routinely reject - including merchants with credit scores as low as 550.
“Banks were never designed to underwrite small businesses based on how they actually operate,” said Alex Shvarts, CEO of FundKite. “A local pizzeria or retail shop can be profitable and stable, yet still be declined because of a credit score. We focus on what’s happening in the bank account - that’s where the real story is.”
FundKite receives approximately 5,000 applications per month, many from business owners labeled “un-bankable” by traditional lenders. These include restaurants, retail stores, service providers, and other cash-flow-driven businesses that may have high credit utilization, thin credit files, or credit setbacks tied to past economic disruptions.
Unlike banks, FundKite’s underwriting model does not treat credit score as the primary decision factor. Instead, credit is viewed as secondary to revenue consistency, deposit patterns, and operational behavior. This allows the company to extend funding to a broader and more inclusive segment of the small business market.
“Our technology allows us to see beyond a single number,” Shvarts added. “Two businesses might have the same credit score, but completely different cash flow profiles. By analyzing actual sales and deposits, we can make smarter decisions and support businesses that are truly performing.”
This cash-flow-first approach positions FundKite as a powerful small business loan alternative for entrepreneurs who are growing, stable, and revenue-producing - but locked out of traditional financing channels. By automating bank statement analysis, FundKite can quickly assess performance, issue offers, and move toward funding without the prolonged timelines associated with bank underwriting.
Banks, by contrast, are often ill-equipped to evaluate small businesses whose revenue is driven by daily transactions rather than long-term contracts or fixed receivables. This mismatch leaves many viable merchants without access to the capital they need to manage operations, invest in growth, or navigate temporary cash flow gaps.
FundKite’s model addresses this disconnect by aligning underwriting with how small businesses actually earn money. Whether it’s a neighborhood restaurant, a service-based company, or a retail operation, FundKite’s technology is designed to understand real sales activity - not just credit profiles.
For business owners frustrated by repeated bank rejections, consultants advising clients with imperfect credit, and industry observers questioning the effectiveness of traditional lending models, FundKite represents a shift toward more inclusive, data-driven financing.
As access to capital becomes increasingly critical for small business survival and growth, FundKite continues to expand its reach - proving that strong cash flow, not just a high credit score, deserves access to funding.
For more information about FundKite’s small business loan alternative and 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/
