Consolidated Funding offers term loans, lines of credit, and hard money lending to small businesses with loan amounts ranging from $10K to $10M and online application processes.
Data compiled from public sources · Rating from CreditDoc methodology
Consolidated Funding, Inc. operates as a small business financing platform serving United States-based companies seeking capital for various operational and growth needs. The company positions itself as a data-driven lender that leverages online technology to streamline the loan application and funding process, distinguishing itself from traditional manual underwriting approaches.
The company offers three primary lending products: Term Loans ($25K–$350K with up to 20-year repayment terms) for capital investments and expansions; Lines of Credit ($10K–$500K with up to 24-month resets) for cash flow management; and Hard Money Lending ($250K–$10M with up to 36-month terms) for emergency bridge capital secured against property at 50–75% loan-to-value ratios. All products are marketed as accessible through a single application that connects to multiple capital programs.
Consolidated Funding differentiates itself through several claimed advantages: fast online funding decisions with remote account connectivity, data integration for seamless cash flow management, flexible service selection allowing businesses to access only needed products, and security protocols that restrict company access to sensitive financial information through read-only account connections and encryption. The company emphasizes automation over manual processes as a means to accelerate approval timelines.
While the website clearly articulates its product offerings and operational philosophy, specific details regarding APR ranges, actual approval timelines, credit score requirements, and detailed terms are absent from publicly available information. The company's focus on data-driven lending and hard money products suggests it may serve businesses with limited traditional credit access, though specific eligibility criteria beyond minimum loan amounts remain undisclosed.
Yes. Consolidated Funding, Inc. is a registered company, headquartered in North Miami Beach, FL.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Consolidated Funding is best suited for established small businesses needing $25K or more in capital for growth, operations, or emergency bridge financing who prefer online application processes and data-driven underwriting. The main caveat is that the website lacks transparency on actual interest rates, APRs, fees, and specific eligibility requirements, making it essential to contact the company directly at (888) 502-8883 or apply online before assessing true cost competitiveness.
Unable to verify company details due to website access restrictions (403 Forbidden error). No factual information available to assess services, legitimacy, or offerings.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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