A FundLyte Exclusive
Payoff Advances
Banks don't look at your revenue first — they look at your credit utilization. If your cards are maxed, you're getting declined before anyone reads the rest of your file. A payoff advance fixes that. We use a short-term advance to knock your revolving balances down to near zero, trigger a rapid score improvement, and put you in front of lenders as a completely different borrower — often within the same quarter.
"The payoff advance was the piece I didn't know existed. My utilization was destroying me — they fixed it in 30 days and I closed on a $400,000 refinance two months later."— Diana F., Real Estate Investor
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Soft pull credit review — we identify exactly which balances are suppressing your score and blocking your approvals2
A payoff advance is issued and your highest-impact balances are paid to near zero immediately3
Credit utilization drops. Score climbs. Lenders now see a profile they can approve.4
We submit your file to bank and SBA lenders while the window is open — this is when deals get done
Score Impact7–14 Days
Advance Range$10K–$250K
Upfront Cost$0
Credit CheckSoft pull only
→ Get a Free Review
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Lowest Rates. Longest Terms.
Bank Term Loans & Lines of Credit
Traditional bank lending offers the best rates in the market — but most business owners never qualify because they walk in with the wrong profile. We know exactly what bank underwriters want to see. We build your file that way before it ever lands on a desk, and when we submit, it goes to a person who knows us — not a portal.
"They packaged my file the right way and I got a $250,000 business line of credit on the first try."— James K., Real Estate Investor
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We review and package your full file — bank statements, tax returns, credit — positioned for the best available programs2
Submitted to our preferred contacts at regional and community banks — relationships built over years3
Best offer presented with full transparency — term loans, revolving lines, and options side by side — you decide4
We handle every step through closing — paperwork, lender communication, and coordination start to finish
$2.5M
Max conventional loan
Timeline2–4 Weeks
ProductsTerm Loans, LOC
Rates FromPrime+
Upfront Cost$0
→ See If You Qualify
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Up to $5M · Government-Backed
SBA Loans
SBA loans offer the longest terms and lowest rates available to small businesses — but the application process is intensive and unforgiving if your file isn't built right. We've done this before. We know exactly what SBA underwriters look for, which preferred lenders move fastest, and how to position your application so it closes. We've gotten clients approved after multiple prior declines.
"I'd been turned down twice before FundLyte. They fixed what was broken and got me a $425,000 SBA loan approved in six weeks."— David R., Restaurant Owner
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We review your full financial picture and determine which SBA program fits — 7(a), Express, or other2
We package and submit your file to SBA-preferred lenders we have direct relationships with3
We manage every step of underwriting — responding to conditions, gathering documents, staying on top of the timeline4
Clear to close — we coordinate closing and make sure you walk away funded, not stuck in paperwork
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Funded in 24–72 Hours
MCA & Alternative Funding
Not every situation calls for a bank loan — and not every business can wait 60 days to find out. MCAs fund in 24–72 hours and are based on revenue, not credit score. We know this market better than most: which funders are worth dealing with, how they evaluate files, and how to present your numbers so qualified funders compete for your business instead of you chasing them.
"I needed money fast, not six weeks from now — they had it funded in 48 hours before I even told my business partner."— Marcus T., General Contractor
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We analyze 4 months of bank statements — separating true revenue from transfers to find your real fundable capacity2
Your file is matched and packaged for funders whose criteria align with your revenue, industry, and profile3
Qualified funders compete — you review real offers side by side and choose the terms that work for you4
Funding closes in 24–72 hours — we stay in contact with the funder until the money hits your account
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Personal & Business Cards
Personal & Business Credit Cards
Most business owners have no idea how much capital is sitting inside the credit card system — and how to access it strategically. On the personal side, we can stack $25,000–$250,000 across both 0% intro APR cards and standard rewards cards. On the business side, we can build a portfolio worth $25,000–$400,000 across 0% and non-0% products. The key is sequencing — knowing which cards to apply for, in what order, so you protect your score and maximize what you walk away with.
"I stacked four business cards through FundLyte's program and had $130,000 in my account within a month. The strategy is methodical — they know exactly which cards to apply for and in what order."— Priya N., Retail Store Owner
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Full credit profile review — personal and business — to identify your approval window and the right mix of 0% and non-0% cards2
Card strategy built around your score, income profile, and capital goal — personal stack, business stack, or both3
Applications sequenced in the right order — score protected, limits maximized, no wasted hard pulls4
Cards approved and activated — capital available immediately, strategy in place for utilization and payoff
$650K
Combined max (personal + business)
0% Intro Period12–21 Months
Approval Timeline2–3 Weeks
Hard PullsMinimized
Upfront Cost$0
→ Get a Card Review
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No Business Financials Required
Personal Loans
For businesses that are newer — or where the business credit isn't quite there yet — a personal installment loan can be the fastest path to real capital. No business tax returns, no P&L, no revenue minimum. We know which lenders offer the best terms, what they look for in a personal profile, and how to present your application to maximize both your approval odds and the amount you qualify for.
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Personal credit review — soft pull, no score impact — to map your best available approval path2
Matched to lenders based on your score, income, and target loan amount — not just whoever says yes3
Best offer presented with clear terms — fixed payments, no surprises, no hidden fees4
Funds deposited directly — typically within 1–3 business days of approval
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