About AlloFunding
We're not a bank.
We work for you.
AlloFunding is a commercial finance brokerage built to serve business owners and real estate investors who need capital that banks won't provide — or won't provide fast enough.
Our Mission
Capital shouldn't be a barrier to growth.
Too many businesses with real revenue, real assets, and real futures get turned away by traditional lenders because they don't fit a narrow credit box. We exist to change that outcome.
Our job is to understand your deal, match it to the right lender or program, and stay involved through closing — so you're never left navigating the process alone.
Why AlloFunding
We pre-underwrite before we submit.
Most brokers forward documents and hope for the best. We analyze your file the way a lender would — before it ever reaches one. That's the difference between a funded deal and a wasted week.
525+
Minimum FICO we work with
48 Hrs
Typical initial review turnaround
$0
Upfront broker fees — ever
5+
Loan product categories placed
We qualify the file first
Before we approach a single lender, we analyze your cash flow, calculate affordability, and identify any red flags a lender will find. You only hear "no" from us if the deal genuinely isn't there — not after wasting three weeks in underwriting.
Industry-specific lender relationships
We focus on four verticals — healthcare, hospitality, construction/industrial, and commercial real estate — because lender appetite is not generic. A lender who loves medical practice acquisitions may pass on a restaurant remodel. We know who wants what.
No fee unless you fund
Our compensation comes from the lender at closing — not from you upfront. We have no incentive to push you into a product that doesn't fit. If the deal doesn't close, we don't earn. That alignment matters.
What We Won't Do
Push you into an MCA if a better product exists
Merchant cash advances carry 40–55% effective rates. We won't recommend one if equipment financing, an SBA loan, or a line of credit is a realistic option for your profile.
Submit a file we know won't close
Lenders track broker submission quality. If we send bad files, they stop working with us. Our reputation depends on only submitting deals we've pre-qualified — which means your time isn't wasted either.
Charge you before we deliver
No application fees, no retainers, no "processing" charges. If a third-party cost (appraisal, environmental) is required by a lender, we disclose it before you commit to anything.
Promise approvals we can't guarantee
Loan approvals are made by lenders, not by us. We'll give you an honest read on your scenario — including when the answer is "not yet" and what would need to change.
How We Work
The broker model — and why it matters
We are not a direct lender. We are a commercial finance broker — which means we work for you, not for a bank.
Access to Multiple Lenders
We work with a curated network of banks, credit unions, private lenders, SBA-approved lenders, USDA lenders, and specialty finance companies. One submission from you reaches dozens of potential funding sources.
No Upfront Broker Fees
Our compensation is earned at closing — not before. If a lender requires a third-party cost such as an appraisal or environmental report, that will be disclosed clearly before you commit to anything.
Faster Decisions
Because we know which lenders move fast and which programs fit which scenarios, we can often get you an initial assessment within 48 hours — and a term sheet in days, not weeks.
Our Process
From submission to close — what to expect
Submit Your Scenario
Fill out the quick screening form — it takes under 3 minutes. Tell us what you need, how much, and when. No credit pull at this stage.
Initial Review
We review your scenario within 48 hours and come back with an honest assessment: whether we have a path forward, which program fits best, and what documents we'll need.
Lender Matching
We identify the right lender or program from our network and submit your file. We handle the back-and-forth so you don't have to manage multiple conversations.
Term Sheet & Approval
Once a lender issues a term sheet, we walk you through the terms, answer your questions, and help you compare options if more than one lender responds.
Closing
We stay involved through document collection, underwriting, and closing. Our job isn't done when the term sheet is signed — it's done when you have your capital.
Industries We Serve
Specialized knowledge. Not generalist guesswork.
We focus on four areas where specialized lender relationships and industry knowledge make the difference between an approval and a decline.
Dental & Medical Equipment Financing
Practice acquisitions, equipment, working capital, and facility purchases for physicians, dentists, and outpatient clinics.
Learn more →
Hospitality & Franchise Financing
Working capital, equipment, remodel, and expansion capital for restaurants, food service operators, and franchise owners.
Learn more →
HVAC Equipment Financing
Equipment financing, working capital, and contract bridge loans for contractors, builders, and trades businesses.
Learn more →
HVAC Working Capital
Self-storage, mobile home parks, and owner-occupied SBA real estate for investors and business owners.
Learn more →
Ready to talk about your deal?
No credit pull. No commitment. Just an honest assessment of what we can do for your business.