How to read your FundXpanse offer document
Every line you'll see on a funded offer — funded amount, payback, schedule, fees — and what each one actually means.
An offer document is the place where structure becomes specifics. On the marketing site we describe how a product is shaped: lump sum vs revolving, daily ACH vs monthly amortization, collateral, term ranges. On the offer document, those shapes get filled in with your numbers.
Expect to see, at minimum: the funded amount in dollars, the total payback in dollars, the rate (expressed in the form that fits the product — factor for advances, APR for amortizing loans, interest per draw for lines), the payment schedule with cadence and dollar amount, the term length, and an itemized list of any origination, ACH, or servicing fees.
Read the schedule, not just the headline number. Two offers can have the same total payback and very different cash-flow impact depending on whether you're paying daily, weekly, or monthly. The schedule is what your operating account actually feels.
Read the fees line by line. Origination fees reduce net proceeds; servicing fees recur. Both belong in your real cost calculation — the headline rate alone won't tell you the truth.
Read the collateral and personal guarantee sections last, and read them carefully. Standard for most small-business funding, but the specific scope of a UCC or PG is worth understanding before you sign.
If anything on the document doesn't match what your underwriter described, stop. Call them. Get the change in writing before signing. The walk-away policy is real: you can decline at any point up to signature, at no cost.