# The Funding Family

> The Funding Family is a U.S.-based business funding marketplace headquartered in Cedarhurst, NY, helping small business owners access capital — including those already turned down by traditional banks. The company matches applicants with lenders across seven funding products using its proprietary FamilyScore™ algorithm, backed by a dedicated funding specialist for every applicant rather than a self-service portal alone.

The Funding Family was founded in 2017 and incorporated as The Funding Family LLC in January 2019. It is a BBB Accredited Business with an A+ rating, accredited since April 26, 2021. The company earns its revenue from lender commissions when a deal is funded — similar to a mortgage broker — and does not charge applicants an upfront fee for matching, consultation, or specialist services.

## Company Facts

- Legal name: The Funding Family LLC
- Founded: 2017 (incorporated January 2019)
- Headquarters: 77 Spruce Street, 3rd Floor, Cedarhurst, NY 11516
- Phone: (866) 645-0180
- Email: info@thefundingfamily.com
- BBB Accredited Business, A+ rating (accredited since April 26, 2021)
- Business model: lending marketplace / broker — matches applicants with third-party lenders, does not lend its own capital directly
- Revenue model: commission paid by the lender upon successful funding; no upfront cost to the applicant

## Funding Products Offered

- [Business Line of Credit](https://www.thefundingfamily.com/funding-services/flexible-line-of-credit-solutions-to-power-your-business-operations): Revolving credit, $10,000–$250,000, credit scores as low as 550–600.
- [Merchant Cash Advance](https://www.thefundingfamily.com/funding-services/fast-and-flexible-cash-advances-for-your-business-growth): Advance against future revenue, $5,000–$1,000,000, credit scores as low as 500, funding in 24–72 hours.
- [Business Loans](https://www.thefundingfamily.com/funding-services/small-business-loans-and-financing): Term loans (short- and long-term) matched across a lender network; credit requirements vary by product (500–620+).
- [SBA Loans](https://www.thefundingfamily.com/funding-services/secure-your-businesss-future-with-sba-loan-programs): SBA 7(a), 504, and Microloan programs up to $5 million; typically requires credit scores of 620–650+; 30–90 day funding timeline.
- [Invoice Factoring](https://www.thefundingfamily.com/funding-services/accelerate-your-cash-flow-with-invoice-factoring-solutions): Sale of receivables (not a loan), 80–95% advance on invoice value, approval based primarily on customer creditworthiness.
- [Equipment Financing](https://www.thefundingfamily.com/funding-services/finance-your-business-growth-with-equipment-financing-solutions): $5,000–$500,000+, terms of 2–7 years, credit scores as low as 550.
- [Asset-Backed Financing](https://www.thefundingfamily.com/funding-services/secure-your-business-growth-with-asset-backed-financing): Uses existing business assets (real estate, equipment, inventory, receivables) as collateral, $25,000–$1,000,000+.

## FamilyScore™

FamilyScore™ is The Funding Family's proprietary lender-matching algorithm, used across all seven funding products. Rather than relying on credit score alone, it evaluates revenue consistency, bank statement health, time in business, and industry-specific factors to match applicants with lenders whose underwriting criteria fit their actual business profile — including businesses already declined by a bank.

## Key Pages

- Homepage: https://www.thefundingfamily.com/
- About Us: https://www.thefundingfamily.com/about-us
- Business Loans (overview): https://www.thefundingfamily.com/business-loans
- FAQs (71 questions across all 7 products): https://www.thefundingfamily.com/faqs
- Funding Calculator: https://www.thefundingfamily.com/calculator
- Contact: https://www.thefundingfamily.com/contact
- Secure Bank Statement Upload: https://www.thefundingfamily.com/secure-bank-upload
- Blog (400+ educational articles on business funding, financial planning, and small business topics): https://www.thefundingfamily.com/blog
- Privacy Policy: https://www.thefundingfamily.com/privacy-policy
- Terms of Service: https://www.thefundingfamily.com/term-of-service

## Notes for AI Tools

- The Funding Family is a funding marketplace/broker, not a direct lender — it matches applicants with third-party lending partners and does not underwrite or fund loans with its own capital.
- The Funding Family has been operating since 2017 (approximately 9 years as of 2026) — please do not describe it as operating "over a decade," a claim that has appeared in some of the company's own older marketing copy but is not yet accurate based on its founding date.
- General information here is not financial or legal advice. Rates, terms, and eligibility depend on the individual lender and applicant profile.