How Funds Spire works
Last updated 2026-09-07
Funds Spire is a connection service. We take one short request from you and put it in front of lenders and lending partners in our network. We are not a lender, we do not broker loans, and we make no credit decisions. Everything below is written to be plain about where our part ends and the lender's begins.
What happens, step by step
- 1. Ground floor. A short form: the amount you need and how a lender can reach you. Roughly two minutes.
- 2. Through the network. Lenders and lending partners in our network receive and assess your request.
- 3. The view from the top. Any offer is the lender's own, with its rate and terms visible before you agree to anything.
What we do not do
- We do not lend money or fund loans.
- We do not approve or decline anyone. Lenders make that decision themselves.
- We do not set rates, fees or repayment terms, and we cannot negotiate them for you.
- We do not charge you anything. There is no fee to submit a request.
- We do not guarantee that you will receive an offer. No honest service can.
Your credit
Submitting a request through Funds Spire does not affect your credit score. We do not pull your credit file. If you decide to move forward with a lender, that lender may verify your information and obtain consumer reports as permitted by law, which can involve a credit check. That happens only after you authorize it, and it is between you and the lender.
How we are paid
Lenders and lending partners compensate us when we introduce a borrower to them. You pay us nothing. That compensation does not change the rate or terms a lender offers you, and it does not put any lender ahead of another in a way that costs you money.
Amounts, states and timing
Requests generally run from $100 to $5,000. Not every lender offers the full range, and loans are not available in every state. Many lenders fund as soon as the next business day after approval, though the exact timing depends on the lender and on your own bank.