The whole picture.

Fundnode is a referral platform, not a lender or a broker of record. We do not extend capital. We do not hold deposits. We do not collect on debts. We do not service loans. We are not a chartered financial institution.

We match merchants to third-party funding partners. Those partners are independent companies that underwrite, fund, and service the financing they offer. Any contract you sign is with the funder — not with Fundnode.

When a funding partner approves and funds a deal that came through Fundnode, that partner pays us a referral fee. The fee is typically a percentage of the funded amount — generally between 2% and 12%, with the exact rate depending on the partner, the product, and the deal.

This compensation comes from the funder's margin, not from your factor rate. You pay the same factor rate whether you find the funder through us or apply directly.

We do not accept "preferred placement" payments to surface specific funders. We rank funder fits by match quality, not by who pays us most. When we link to a partner's public affiliate program in lieu of a direct referral, we mark the link as sponsored via the appropriate rel attribute.

When you start the qualification flow, we collect business name, funding amount, monthly revenue, state, industry, time in business, email, and phone. We store this in an encrypted database. We do not sell it. We do not share it outside of funding-partner routing.

We share your information with a funding partner only after you indicate you want to be routed. The funder receives only what they need to underwrite the deal — typically the same data fields plus bank statements if you choose to upload them at a later step.

We do not perform a hard credit pull during pre-qualification. Some funders may perform a soft pull at the time of underwriting; any hard pull is disclosed and authorized separately.

You can request deletion of your data at any time by emailing legal@fundnode.co. We honor deletion requests within 14 days unless we're required to retain data for regulatory or contractual reasons (e.g., an active funded deal).

We currently accept applications from businesses located in Florida, Texas, and Georgia. If you're located elsewhere, we add you to a waitlist and will notify you when your state is added.

We monitor and comply with state commercial financing disclosure laws including California's CCFPL, New York's CFDL, Virginia's sales-based-financing broker statute, Utah's Commercial Financing Registration Act, Texas's 2026 sales-based financing regulations, and emerging requirements in Connecticut, Missouri, and Kansas. As we add states, we update our disclosure stack accordingly.

We do not place outbound calls or SMS unless you have given prior express written consent through our qualification flow. If you submit a qualification, we will follow up by email and (with consent) SMS to deliver your match.

We do not buy lead lists. We do not work with vendors that buy lead lists. Every lead in our system was submitted to us directly by the merchant.

You can opt out of any communication channel at any time. Email opt-out links appear in every message we send.

Editorial content on this site — articles, comparisons, funding guides, calculators — is written and reviewed by the founding team. We cite primary sources (CFPB, Federal Reserve, state regulators) where claims rely on them.

We rank funders based on public data, industry signals, and our own routing outcomes once we have them. We do not accept compensation to elevate a funder's ranking. If we have a financial relationship with a funder mentioned in an article, we disclose it.

Application data is encrypted in transit (TLS 1.3) and at rest. We use Supabase Postgres with row-level security policies that prevent cross-tenant data access. Authentication uses standard email or OAuth flows with rate limits and intrusion detection.

We do not collect Social Security numbers, bank account numbers, or payment-card data during pre-qualification. If a funder requests those during underwriting, you provide them to the funder — not to Fundnode.

If you have a complaint about how a funding partner handled your deal, contact them first. If you have a complaint about Fundnode — our matching, our content, our disclosures — email legal@fundnode.co. We respond within 5 business days.

You may also file a complaint with the CFPB at consumerfinance.gov/complaint, your state attorney general, or the appropriate state financial regulator.