2 minutes

Quick & easy
registration process

No Fees

No monthly, NSF, incoming transfer, outgoing internal transfer fees

24/7

Access your funds
anytime, anywhere

7 days

Access up to 7 days of your future receivables immediately

Why Real-time Financing?

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Pay companies on-time, every time

Immediately pay your vendors even before you have the money in your bank account. Your business will run smoother and your vendors will love you for it.
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Access financial features

Get convenient, fast and secure online financial services at your fingertips. Use your dedicated debit card to pay bills and easily keep track of expenses.
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Save time and money

Never spend another week, month, or quarter working on outdated spreadsheets. Manage and control your company's finances in real-time on a single user-friendly dashboard.
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Security

Industry-leading security practices protect the confidentiality, integrity, and availability of your data.
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Real-Time

Real-time balances and transaction notifications keep you in control.
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FDIC Insured

Your account is insured through Blue Ridge Bank N.A.; Member FDIC, so you can rest easy knowing your money is safe and secure.
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Pay companies on-time, everytime

Immediately pay your vendors even before you have the money in your bank account. Your business will run smoother and your vendors will love you for it.
Icon

Access financial features

Get convenient, fast and secure online banking at your fingertips. Use your dedicated debit card to pay bills and easily keep track of expenses.
Icon

Save time and money

Immediately pay your vendors even before you have the money in your bank account. Your business will run smoother and your vendors will love you for it.
Icon

Security

Industry-leading security practices protect the confidentiality, integrity, and availability of your data.
Icon

Real-Time

Real-time balances and transaction notifications keep you in control.
Icon

FDIC Insured

Your account is insured through Blue Ridge Bank N.A.; Member FDIC, so you can rest easy knowing your money is safe and secure.

How does it work?

1

Register for free

Sign up with your email address.
All you need to apply is basic information about you, your business and your bank account details.
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List of banks

2

Connect your bank

Using Plaid, you can securely connect to your business bank account in seconds, consent to share your account information and allow access to your bank account to enable future advancements. For more information on the security and privacy of your data, please visit plaid.com.

3

Access your first advance

Get your first advancement right away. Take advantage of a free debit card issued for your newly created bank account.
Apply now
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Real-time Financing

Stop struggling with paperwork and spreadsheets! Optimize cash flow, pay vendors, and boost your daily working capital on one simple platform.
  • Pay companies on-time, everytime

  • Access financial features

  • Save time and money‍

  • Industry-leading security practices

  • Real-time balances and transaction notifications

  • FDIC insured

Do I qualify?

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Time in business

12 months or longer

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Gross monthly revenue

$10,000 +

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Personal credit

600 + FICO score

Apply now

Frequently asked questions

What are the minimum requirements?

Your business must be over twelve months old and average a minimum of $10,000 in gross monthly revenue over the last three months to qualify for one of our programs. You’ll also need a personal FICO credit score that’s above 600.

How do I make repayments?

Repayments are triggered automatically and may be split into several portions depending on the amount to return. The Fundomate system will inform you about the repayment plan (the amount and schedule). Repayments are withdrawn from your spending account first. If your spending account has insufficient funds, repayments originate via an ACH debit transaction from your connected third-party bank account. All repayment transactions are reflected in your transaction feed.

Can I send and receive money transfers instantly?

Yes. All money transfers within the Fundomate network are instant.

Is there a physical card?

You are given a virtual card immediately after activating your account so that you don’t have to wait 7-10 business days to begin making purchases or payments you need to run your business like a traditional debit or credit card. You can also add the card to your virtual wallet on your mobile phone and use it like you would your bank debit card, Apple pay or Google pay, if you’re making a purchase online or in a brick and mortar location. Costco or any other retailer you shop with frequently.

What happens if I don't use/ need it?

There are no fees or penalties for non-usage. You simply payback on the amount you used with no additional interest! The rest of the balance will be available for whenever you need it with no penalties.

Can anyone use the card or is it personal?

While we don’t have any restrictions on how you use the funds, we certainly recommend that you put the money towards things that will grow your business. You may also choose to allow business partners and employees to use your RTF virtual card by adding it to their mobile phone wallet for day-to-day purchases that keep your business running smoothly.

What information do I need to apply?

All you need to apply is basic information about you, your business and your bank account details.

Will my credit be impacted by applying?

Applying will not affect your credit score.

How quickly can I get my funding?

You can access your funding immediately after you successfully complete the onboarding process.

Is my account FDIC insured?

Yes. Fundomate accounts are FDIC insured through Blue Ridge Bank, N.A. - Member FDIC.

How is this different from your small business funding?

Our small business funding program is a stand alone service in which you apply for an advance, we give you the money and you pay it back daily or weekly with a percentage of your sales . With RTF, not only do you get access to our business funding program, but you get it INTEREST FREE for a shorter term in addition to a full, cloud-based dashboard that gives you the ability to manage your cash flow in a simple manner. RTF is quick, easy, auto-renewable and gives you the peace of mind that there’s always money in the bank.

Why don't I just get a company credit card?

A traditional credit card is going to charge a high annual fee, high interest rates, while RTF provides instant, interest free money that is always available to you via a virtual debit card. Why risk creating compounding debt on traditional monthly payments with credit cards that can really put you in a bind even if you make a single late payment! You don’t have to worry about fees with RTF, PLUS, the dashboard provides a full complement of features that allow you to stay on track with managing your money on a day-to-day basis, pay vendors and more.

Why did my debit card payment fail?

Please ensure you have added funds to your card before making a purchase by using the “Charge card” feature.

Still have questions? Check out our FAQ or contact our customer support team.

Discover why thousands of businesses are using Fundomate

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rating score: 4.9 of 5

Ready to get started?

Change your business forever with a single click

Apply now
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Mailing address

300 Continental Blvd Suite 410
El Segundo, CA 90245

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