As small business owners continue to face tightening credit standards and impersonal lending decisions, FundKite is redefining access to capital through a more human-centered approach to revenue based business loans. By moving beyond rigid banking algorithms and outdated credit models, FundKite is helping viable businesses secure funding based on real performance - not arbitrary scores.
Traditional banks have increasingly leaned on automated systems to approve or deny applications. These systems often rely heavily on FICO scores, asset requirements, and historical tax returns that may no longer reflect a company’s current health. As a result, many businesses with strong sales, loyal customers, and real growth potential are rejected before a human ever reviews their case.
“Banks operate on an algorithm basis - it’s strictly based on your credit score and what assets you have,” said Justin Solomon, Chief Revenue Officer of FundKite. “For many small business owners, that makes it almost impossible to go to a bank and get money, even when their business is performing well.”
FundKite was built to solve this exact problem. Instead of relying on automated approvals or denials, the company employs experienced underwriters who evaluate each opportunity individually. This human underwriting model allows FundKite to look beyond surface-level metrics and understand the full story behind a business.
At the core of this process is real-time data. FundKite bases funding decisions on current bank statements, daily deposit activity, and actual cash flow patterns - rather than tax returns from one or two years ago. This approach provides a more accurate, up-to-date view of how a business is operating today.
“Our team doesn’t have computer brains and we don’t rely on algorithms,” Solomon explained. “We’re humans, and we look at every single opportunity based on its own merits - not just a score that gets plugged into a computer.”
This holistic evaluation extends beyond financial statements alone. In certain industries, underwriters may consider qualitative factors such as customer reviews, online reputation, product quality, and operational consistency. For example, a restaurant’s Google reviews or repeat customer traffic can offer meaningful insight into long-term viability that traditional lenders overlook.
Revenue based business loans further support this human-first philosophy by aligning repayment with performance. Instead of fixed monthly payments, repayment is tied directly to revenue, allowing businesses to grow without the pressure of inflexible debt obligations.
FundKite’s model is particularly valuable for entrepreneurs who have been turned away by banks despite strong sales, as well as for businesses in industries that don’t fit neatly into conventional lending boxes. Retailers, restaurants, service providers, and growth-stage companies often find that FundKite’s approach reflects the realities they face day to day.
By combining human judgment with real-time financial data, FundKite is restoring a sense of fairness and accessibility to business funding. At a time when automation dominates financial decision-making, the company is proving that thoughtful, personalized underwriting can unlock opportunities that algorithms routinely miss.
For more information about FundKite and its revenue based business loans, visit www.fundkite.com
Media Contact
Name
FundKite
Contact name
Alex Shvarts
Contact phone
(877) 502-5003
Contact address
2 S. Biscayne Blvd #2350
City
Miami
State
FL
Zip
33131
Country
United States
Url
https://fundkite.com/
