Disclosures

This is educational, not a sale. The Funding Readiness Score and the material on this site explain how lenders generally evaluate a business file and give you an estimate based on what you tell us. Nothing on this site is a loan offer, a commitment to fund, or a guarantee of approval.

What this actually is. FundingPlan.org is a business funding and strategic consulting firm. We help business owners understand and improve their fundability, and where appropriate we match and refer them to third-party banks, lenders or other capital providers. We are not a bank and not a direct lender, and the calculator on this site is not a loan application.

Who stands behind it. Any funding you receive is issued and underwritten by the third-party bank, lender or finance company that approves it, not by FundingPlan.org. That provider's terms and underwriting decision control, not anything estimated on this site.

How the numbers can vary. Your Funding Readiness Score and estimated range are built from what you self-report: time in business, monthly revenue, average bank balance, recent overdraft or NSF days, existing stacked funding, and your credit range. A lender may weigh these differently, verify them against your actual bank and credit data, and reach a different result. A past score does not predict a future one, and does not predict approval.

Costs and fees. Using the calculator, the Fundability Lab, and a Funding Readiness Review with our team is free. Any funding product you eventually take, such as a term loan, line of credit or merchant cash advance, carries its own rates, fees and repayment terms, which the lender discloses to you before you accept.

What we are and what we are not. FundingPlan.org is a business funding and strategic consulting firm. We are not a bank, not a law firm, and not a CPA firm. For legal or tax questions about your business or any financing, speak to a licensed attorney or accountant.

The calculator's method and its limits. The Funding Readiness Score is generated from the seven answers you give, using a scoring model built by FundingPlan.org. It does not pull your credit, verify your bank data, or account for every factor a lender may consider, such as industry risk, collateral or personal guarantees. An actual application and lender review will differ from, and controls over, the estimate shown here.

Licensing and where we operate. FundingPlan.org works with business owners across the United States. Some states require specific disclosures for certain commercial financing products, such as merchant cash advances; where that applies, those disclosures are provided directly by the funding provider at the time of any offer. License and registration details for FundingPlan.org, where applicable, are available on request at info@the-kg.com.