At a time when many lenders rely on automated systems and faceless algorithms to approve or deny applications, FundKite is taking a different path - one that many entrepreneurs say is long overdue. By combining technology with human judgment, FundKite is redefining what the best business funding looks like for small and growing companies across the country.
Traditional banks and fintech lenders increasingly depend on rigid, automated underwriting models that issue instant rejections based on outdated credit score thresholds. FundKite intentionally steps away from this “black box” approach. Instead, the company empowers experienced human underwriters to evaluate the entire picture of a business: its cash flow, operations, industry realities, and growth potential.
“Business owners are more than a number on a screen,” said Justin Solomon, Chief Revenue Officer of FundKite. “When funding decisions are made entirely by algorithms, strong businesses get rejected for reasons that have nothing to do with performance. Our team looks deeper at how the business actually operates and where it’s headed.”
FundKite’s underwriting philosophy is built around accessibility and context. Rather than issuing automated declines, FundKite assigns personal account managers who work directly with clients, learning the nuances of their industry and understanding the challenges unique to their business model. This hands-on approach eliminates faceless customer service and replaces it with real conversations and informed decision-making.
“We hear from entrepreneurs every day who feel rejected by the system,” Solomon added. “They’ve built real businesses with real revenue, yet a computer says ‘no’ because of an old credit metric. We believe the best business funding happens when humans are involved; people who can recognize potential that algorithms miss.”
This human-led underwriting allows FundKite to fund businesses with credit scores as low as 550, provided the underlying business performance supports the decision. Instead of treating credit score as the final word, FundKite considers it just one data point among many. Cash flow trends, sales consistency, and operational strength play a much larger role in the final evaluation.
While technology still plays an important role at FundKite in helping gather and organize financial data, the final decision rests with experienced professionals who understand that no two businesses are alike. This balanced approach offers the efficiency of modern fintech without sacrificing judgment, empathy, or common sense.
For entrepreneurs operating in industries like retail, food service, construction, logistics, and professional services, this difference is critical. Many of these businesses don’t fit neatly into standardized lending formulas, yet they are profitable, resilient, and positioned to grow.
FundKite’s model also benefits business owners who value long-term relationships over one-time transactions. With dedicated account managers and consistent points of contact, clients are supported throughout the funding process and beyond.
As financial technology continues to evolve, FundKite is proving that innovation doesn’t have to mean removing people from the equation. In fact, combining technology with human expertise may be exactly what small businesses need most.
For entrepreneurs searching for the best business funding, ie funding that understands context, values potential, and treats business owners like people, FundKite offers a refreshing alternative to algorithm-only decision-making.
For more information about FundKite’s human-led funding approach, visit 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/