Fundshop Review

Fundshop is a relative newcomer in the online business lending industry. However, it’s built a solid reputation in just a short time. As of November 2021, the company has funded more than 20,000 businesses of various sizes. Many customers credit Fundshop with saving their businesses from financial failure during the COVID-19 pandemic.

In this review, we’ll look at Fundshop’s lineup of business loans. We’ll also examine a cross-section of professional and customer opinions regarding the company. Keep reading to see if Fundshop works for your business.

Pros and Cons of Fundshop



What Does Fundshop Offer?

Fundshop has six categories of loan and funding programs: merchant cash advances, lines of credit, poor credit financing, bank-only ACH funding, business advances, and commercial business loans.

The following table summarizes their core functions and features:

Merchant Cash Advance

Lines of Credit

Poor Credit Financing

Bank-Only ACH Funding

Business Advance

Commercial Business Loans

Fundshop doesn’t openly disclose specific terms and rates. Customers can access this information by completing the quote request process. However, Fundshop’s website does show that they fund amounts from $10,000 to $2,000,000. They also say that borrowers can receive funds within 24 hours of applying for certain programs.

What To Expect on the Site

Prospective customers can request a quote directly through the Fundshop website. It’s free to do so and carries no obligation. In order to complete the fast and easy process, you’ll need a few pieces of data:

After submitting these details, Fundshop will respond with offers. Most customers qualify for multiple loan types and offers. These will be broken down in detail when you receive your quotes. If you like an offer, then you can then proceed by accepting it. After approval, Fundshop will release your money and wire it into your business bank account. This typically takes place within 24-48 hours of approval.

During the quote request process, Fundshop performs only a “soft pull” of your business credit data. So, your score won’t be affected by applying.


Fundshop allows customers to apply for most of its loan programs free of charge. You may incur other fees, such as origination fees, depending on the type of loan you acquire. Each loan request is handled on a customized basis. So, Fundshop doesn’t promote general interest rates. However, as of November 2021, the company indicates that its loans start as low as 3.75%.

Fundshop is known for low fees and competitive rates. Actual terms will vary from one loan to the next, but the company appears committed to customer-friendly rates and terms.

What People Are Saying About Fundshop

As of November 2021, Fundshop has an “A” rating on the Better Business Bureau (BBB) website. The company is accredited by the BBB and has been since 2018. Additionally, Fundshop has a rating of 4.7 out of 5 stars on Trustpilot. As of November 2021, the company’s customer reviews on Trustpilot break down as follows:

The Bottom Line

Fundshop offers a complete lineup of flexible solutions for businesses in need of loan capital. It also has unique, purpose-built programs for retail companies and businesses experiencing financial hardship. The company’s still working to build its social media and online footprint. However, all indications suggest strong enthusiasm for this reliable provider of competitively priced business financing solutions. For these reasons, Fundshop is worth a consideration as you look into top business loan lenders.