About FundXpanse.

FundXpanse exists because small business funding has a transparency problem. Offers arrive with the price buried — daily holdback percentages, undisclosed fees, factor rates without context. Operators sign because they need the money, then learn what it cost only when the drafts start.

We do it the other way around. Every FundXpanse offer shows the funded amount, total payback, payment cadence, term, fees, and an estimated annualized cost in writing — before any signature. If the offer doesn't make sense for you, we'd rather you walk than sign.

What we believe

• Cost goes first. If the price isn't on the offer, it's not a real offer.
• People decide files. Models inform; underwriters decide. Edge cases need a phone call, not an auto-decline.
• Honest about fit. Sometimes the right answer is a bank, an SBA loan, or no loan at all. We say so.
• Operators built it. Most of the team has worked in or for small businesses. We size files around how cash actually moves.