Business Funding with Purpose Growth that Fuels Charity

Business loans that convert commissions into high-impact donations—with built-in tax savings Apply Fund it Forward

Apply For Funding & Support Your Cause

BeneFund Capital provides ethical Funding with Purpose that empower business owners to grow and give back. We provide capital for opportunities that drive business success and generate charitable impact while helping you achieve success with purpose.

Lean, Earn, Donate

Business Loans

Fast and flexible financing with built-in tax savings

Community Funding

Fueling charities and empowering community growth

Partnership Programs

Created to educate and protect business owners

Fund It Forward Process

We’ve made funding simple, fast, and efficient — driving business growth and community impact together.

Secure Funding

Learn how to prepare, submit, and negotiate your loan documents with expert coaching every step of the way.

Fund It Forward

Participate as a partner in the process to raise commission funds dedicated entirely to charitable giving.

Commission with Compassion

55–100% of commissions earned through this partnership goes directly to verified nonprofits.

Donation & Tax Savings

See your donation impact and tax savings clearly with transparent funding, real-time tracking, and reporting.

Your Simple Donation Process

Turning your loan commission into real-life impact, easily and transparently.

1
Voluntary Donation Agreement

Merchant signs a donation agreement to voluntarily contribute part of their commission to BeneFund Foundation, an IRS-qualified §501(c)(3) nonprofit.

2
Commission Payment

Merchant receives their commission share from BeneFund Capital after successful loan funding, as stated in the funding agreement.

3
Direct Contribution

Merchant sends the pledged donation directly to BeneFund Foundation using an approved payment method; this is treated as a charitable gift.

4
Charity Selection

Merchant chooses a charitable organization from BeneFund’s approved IRS-recognized registry; Foundation allocates the donation accordingly.

5
Official Donation Receipt

BeneFund Foundation provides an official IRS-compliant donation receipt for tax substantiation, meeting acknowledgment requirements.

6
Claim Your Deduction

Merchant uses the receipt to claim a charitable deduction on their federal tax return, following IRS guidelines on itemized donations and substantiation.

Fund it Forward Programs:

Where Business meets Benevolence

MOST POPULAR  🔥

Business Advance

Max $15M
Unique Benefits
  • $15 Million Max Funded Amount
  • Approved Amount Based on Cash Flow
  • Same Day Funding Available
  • 6 – 24 Month Terms Available
  • Daily/Weekly/Monthly Payments
  • Early Payoff Discounts Available

See qualification needed – tap to learn more.

Qualifications
  • 1 Year Time in Business
  • No Minimum FICO
  • $500,000 Annual Sales or $40,000 Deposited Monthly
  • Business Bank Account

MOST POPULAR  🔥

Term Loan
Max $15M
Unique Benefits
  • $15 Million Max Funded Amount
  • 1 – 2 Year Terms
  • Weekly/Monthly Payments
  • No Prepayment Penalty
  • Refinance up to 2 Loans
  • Could Report to Business Credit

See qualification needed – tap to learn more.

Qualifications
  • 2 Years Time in Business
  • 600+ FICO
  • $500,000 Annual Sales or $40,000 Deposited Monthly
  • Business Bank Account

MOST POPULAR  🔥

Business Line of Credit
Max $750k
Unique Benefits
  • $750,000 Max Line of Credit
  • Approved Amount Based on Cash Flow
  • Same Day Funding Available
  • Only Pay for What You Use
  • Weekly/Monthly Payments
  • True Revolver; Each Payment Frees Up Additional Available Funds

See qualification needed – tap to learn more.

Qualifications
  • 1 Year Time in Business
  • 600+ FICO
  • $500,000 Annual Sales or $40,000 Deposited Monthly
  • Business Bank Account
SBA
Max $5M
Unique Benefits
  • $5 Million Max Funded Amount
  • Approvals: 1-5 Days, Funding 4-10 Weeks
  • SBA 7a: 10 Year Term SBA 504: 25 Year Term
  • Rate: Prime + 1% – 2.75%
  • Monthly Payments
  • No Prepayment Penalty
  • Reports to Business Credit Bureaus

See qualification needed – tap to learn more.

Qualifications
  • 2 Years Time in Business
  • 660+ FICO
  • $40,000 Deposited Monthly in Business Bank Account or $500,000 Annual Sales
  • No BKs/Liens/Foreclosures in Last 3 Years
Real Estate Loans
Max $500M

Residential & Commercial Real Estate

Facility Size: Up to $500M

  • Fixed for 5 years (5-Year CMT + 2.00%–2.50%)
  • Cannabis properties: 10.5%–12.0%
  • 30-year fully amortizing term
  • Monthly principal and interest payments
  • No prepayment penalties

See qualification needed – tap to learn more.

Residential & Investment Loans

Facility Size: $200K – $15M

  • Available for primary, secondary, and investment homes
  • 1st or 2nd lien eligible; cash-out allowed
  • 36-month partial amortization at 14.88%
  • Up to 75% CLTV
  • Property inspection and title review only
Equipment Financing
Max $10M
Unique Benefits
  • $10 Million Max Funded Amount
  • 1 – 5 Year Terms
  • Rates Start at 7%
  • 100% Financing Available
  • Purchase & Leasing Options
  • Vender & Private Sales

See qualification needed – tap to learn more.

Qualifications
  • 1 Year Time in Business
  • 550+ FICO
  • Business Bank Account Required
  • Invoice Required

Financial Solutions for Every Business and Nonprofit

Discover our mission-driven funding options built to grow your business and give back to the community.

MOST POPULAR  🔥

AR Line of Credit
$100k-$100M
Unique Benefits
  • Facility Size: $100K–$100M
  • Revolving line tied to A/R balance
  • Rates from Prime + 2%
  • Up to 95% of current A/R financed
  • Funding in as little as 7 days
Qualifications
  • 1+ year in business
  • No minimum credit score
  • $1M+ annual revenue
  • $250K+ in short-term A/R
Inventory Line of Credit
$100k-$100M
Unique Benefits
  • Facility Size $100k – $10M
  • Revolving Line of Credit
  • Line of Credit Amount Fluctuates as Inventory Fluctuates (up and down)
  • Rates Starting at Prime + 2%
  • Up to 85% Financing of Inventory Liquidation Value
  • 7+ Days Application to Funding
Qualifications
  • 1 Year Time in Business
  • No Minimum FICO
  • $1 Million in Annual Sales
  • $1 Million in Current Inventory
Sub Debt
Max $10M
Unique Benefits
  • $10 Million Max Funded Amount
  • 1 – 2 Year Terms
  • Approved Amount Based on Cash Flow
  • Rates Starting at 15% – Up to 24 Month Terms
  • Subordinate 2nd Lien Behind Senior Lender
  • No Collateral coverage, No equity, No warrants, & No covenants
Qualifications
  • 1 Year Time in Business
  • 600+ FICO
  • $1 Million in Annual Sales
Startup Loans
$100k-$100M
Unique Benefits
  • Loan Amounts: $25,000 to $500,000
  • Terms: 3 to 10 years
  • Monthly Payment options
  • Interest Rates: 6% to 18%
  • 700+ credit score on at least 2 of 3 bureaus
  • 5 or more active revolving accounts
  • History of installment loans
News Update

Benefits with Benefund

Empowering business growth, fueling, charitable impact

Promote Ethical Capitalism

We believe profit and purpose can work together. BeneFund centers education and transparency in everything we do, empowering merchants to make smart financing decisions that fuel business growth while creating meaningful social impact.

Avoid Predatory Lending

We guide merchants with clear education to avoid risky funding, ensuring safer decisions while encouraging meaningful charitable contributions that support lasting change.

Merchant Empowerment

BeneFund educates and coaches merchants to make smart financing choices with confidence. We empower you to grow your business and create real charitable impact—turning your success into positive change for your community

Purpose Driven

Every loan we fund supports something bigger. BeneFund aligns business success with social impact, channeling a portion of every commission to charitable causes that strengthen communities and

Simple and Transparent

Experience clarity at every step with minimal paperwork and complete visibility. BeneFund provides full transparency on rates, fees, donation impact, and tax savings returns based on IRS-compliant deductions and credits.

Claim Your Deduction

When you fund a loan through BeneFund, a share supports verified nonprofits, creating positive change. These charitable contributions can offer tax advantages as allowed by IRS—helping your business combine growth with purpose-driven tax savings.