Business Funding with Purpose Growth
that Fuels Charity
Fast Decisions
24–48 Hours
Funding Up To
$5 Million
Fund It Forward
Commission Donation
Real Life Impact
Tax savings
Fund It Forward Process
We’ve made funding simple, fast, and efficient — driving business growth and community impact together.
01
Secure Funding
Learn how to prepare, submit, and negotiate your loan documents with expert coaching every step of the way.
02
Fund It Forward
Participate as a partner in the process to raise commission funds dedicated entirely to charitable giving.
03
Commission with Compassion
55–70% of commissions earned through this partnership goes directly to verified nonprofits.
04
Donation & Tax Savings
See your impact clearly with transparent Funding and donation tracking with real-time results reporting.
Your Simple Donation Process
Turning your loan commission into real-life impact, easily and transparently.
Voluntary Donation Agreement
Merchant signs a donation agreement to voluntarily contribute part of their commission to BeneFund Foundation, an IRS-qualified §501(c)(3) nonprofit.
Commission Payment
Merchant receives their commission share from BeneFund Capital after successful loan funding, as stated in the funding agreement.
Direct Contribution
Merchant sends the pledged donation directly to BeneFund Foundation using an approved payment method; this is treated as a charitable gift.
Charity Selection
Merchant chooses a charitable organization from BeneFund’s approved IRS-recognized registry; Foundation allocates the donation accordingly.
Official Donation Receipt
BeneFund Foundation provides an official IRS-compliant donation receipt for tax substantiation, meeting acknowledgment requirements.
Claim Your Deduction
Merchant uses the receipt to claim a charitable deduction on their federal tax return, following IRS guidelines on itemized donations and substantiation.
What We Offer
Fund it Forward Programs:
Where Business meets Benevolence
Term Loan
Unique Benefits
- $10 Million Max Funded Amount
- 1 - 2 Year Terms
- Weekly/Monthly Payments
- No Prepayment Penalty
- Refinance up to 2 Loans
- Could Report to Business Credit
Qualifications
- 2 Years Time in Business
- 600+ FICO
- $500,000 Annual Sales or $40,000 Deposited Monthly
- Business Bank Account
SBA
Unique Benefits
- $5 Million Max Funded Amount
- Approvals: 1-5 Days, Funding 4-10 Weeks
- SBA 7a: 10 Year Term SBA 504: 25 Year Term
- Rate: Prime + 1% - 2.75%
- Monthly Payments
- No Prepayment Penalty
- Reports to Business Credit Bureaus
Qualifications
- 2 Years Time in Business
- 660+ FICO
- $40,000 Deposited Monthly in Business Bank Account or $500,000 Annual Sales
- No BKs/Liens/Foreclosures in Last 3 Years
Business Line of Credit
Unique Benefits
- $750,000 Max Line of Credit
- Approved Amount Based on Cash Flow
- Same Day Funding Available
- Only Pay for What You Use
- Weekly/Monthly Payments
- True Revolver; Each Payment Frees Up Additional Available Funds
Qualifications
- 1 Year Time in Business
- 600+ FICO
- $500,000 Annual Sales or $40,000 Deposited Monthly
- Business Bank Account
Business Advance
Unique Benefits
- $10 Million Max Funded Amount
- Approved Amount Based on Cash Flow
- Same Day Funding Available
- 6 - 24 Month Terms Available
- Daily/Weekly/Monthly Payments
- Early Payoff Discounts Available
Qualifications
- 1 Year Time in Business
- No Minimum FICO
- $500,000 Annual Sales or $40,000 Deposited Monthly
- Business Bank Account
Real Estate Loans
Unique Benefits
- Loan Type: Business purpose; 1st & 2nd lien; cash-out allowed
- Eligible Properties: Residential investment only; no primary/secondary homes
- Term: 36 months; partial amortization
- Interest Rate: 14.88%
- CLTV: Up to 75%
- Origination Fees: 5% (1% broker commission) or 6% (2% broker commission)
- Documentation: Only property inspection and title review required
- Licensing: Not required
Equipment Financing
Unique Benefits
- $5 Million Max Funded Amount
- 1 - 5 Year Terms
- Rates Start at 7%
- 100% Financing Available
- Purchase & Leasing Options
- Vender & Private Sales
Qualifications
- 1 Year Time in Business
- 550+ FICO
- Business Bank Account Required
- Invoice Required
Financial Solutions for Every Business and Nonprofit
Discover our mission-driven funding options built to grow your business and give back to the community.
MOST POPULAR
AR Line of Credit
$100k-$100M
Unique Benefits
- Facility Size: $100K–$100M
- Revolving line tied to A/R balance
- Rates from Prime + 2%
- Up to 95% of current A/R financed
- Funding in as little as 7 days
Qualifications
- 1+ year in business
- No minimum credit score
- $1M+ annual revenue
- $250K+ in short-term A/R
Inventory Line of Credit
$100k-$10M
Unique Benefits
- Facility Size $100,000 - $10,000,000
- Revolving Line of Credit
- Line of Credit Amount Fluctuates as Inventory Fluctuates (up and down)
- Rates Starting at Prime + 2%
- Up to 85% Financing of Inventory Liquidation Value
- 7+ Days Application to Funding
Qualifications
- 1 Year Time in Business
- No Minimum FICO
- $1 Million in Annual Sales
- $1 Million in Current Inventory
Sub Debt
Max $10M
Unique Benefits
- $10 Million Max Funded Amount
- 1 - 2 Year Terms
- Approved Amount Based on Cash Flow
- Rates Starting at 15% - Up to 24 Month Terms
- Subordinate 2nd Lien Behind Senior Lender
- No Collateral coverage, No equity, No warrants, & No covenants
Qualifications
- 1 Year Time in Business
- 600+ FICO
- $1 Million in Annual Sales
Startup Loans
$25k-$500k
Unique Benefits
- Loan Amounts: $25,000 to $500,000
- Terms: 3 to 10 years
- Monthly Payment options
- Interest Rates: 6% to 18%
- 700+ credit score on at least 2 of 3 bureaus
- 5 or more active revolving accounts
- History of installment loans
- Fewer than 3 credit inquiries in the last 6 months on each bureau
- 40% credit utilization or less
- Verifiable income (tax returns, pay stubs, W-2s, etc.)
- Simple online application process
Benefits with Bene
Ethical Capitalism
We believe profit and purpose can work together. BeneFund centers education and transparency in everything we do, empowering merchants to make smart financing decisions that fuel business growth while creating meaningful social impact.
Moral Compass Protection
We guide merchants with clear education to avoid risky funding, ensuring safer decisions while encouraging meaningful charitable contributions that support lasting change.
Merchant Empowerment
BeneFund educates and coaches merchants to make smart financing choices with confidence. We empower you to grow your business and create real charitable impact—turning your success into positive change for your community
Purpose Driven
Every loan we fund supports something bigger. BeneFund aligns business success with social impact, channeling a portion of every commission to charitable causes that strengthen communities and change lives—profit with purpose, built into every partnership.
Simple and Transparent
Experience clarity at every step with minimal paperwork and complete visibility. BeneFund provides full transparency on rates, fees, donation impact, and tax savings returns based on IRS-compliant deductions and credits.
