How FundingLinQ Works

What FundingLinQ Is — In One Paragraph

A two-sided matching platform. Borrowers list project funding requests; lenders browse anonymized "blind profiles" first and only see full project details after they click Express Interest and are introduced under NDA. The platform itself does not lend — it filters tire-kickers from both sides so deals that match actually meet. There is no upfront fee for borrowers to list, and no upfront fee for lenders to browse. FundingLinQ is paid only when a deal funds.

For Borrowers — The Process

1. Create your project. Tell the platform what you're building, what you've raised so far, how much you need, and what the use of funds is. Your real identity and exact address are not shown to lenders — only an anonymized summary.
2. Get matched. Your project is shown as a blind profile to lenders whose Buy Box criteria (geography, ticket size, sector, asset class) align. Lenders see "$20M Hospitality Development in Florida," not "John Smith / 123 Beach Drive."
3. Lender expresses interest. When a lender wants to see the full project, they click Express Interest, sign the platform NDA, and you're introduced. From that point you and the lender communicate directly.
4. Due diligence and closing. The lender runs their normal underwriting process. FundingLinQ stays out of the deal mechanics — the loan agreement and any required legal work happen between you, the lender, and counsel. FundingLinQ is paid a Success Fee by the lender when the deal funds.

For Lenders — The Process

1. Set your Buy Box. Geography, ticket size, asset class, deal stage, return profile. The platform only surfaces deals that match. You don't sift through unqualified applications.
2. Browse blind profiles. Each project shows the anonymized summary, location at a regional level, capital amount, use of funds, and category. Borrower identity, exact location, and contact details are not visible.
3. Click Express Interest. The full data room — borrower identity, exact project location, Proof of Funds, business plan, supporting documents — opens to you. The borrower is notified of your interest.
4. Due diligence direct with borrower. You run your normal underwriting. The Success Fee with FundingLinQ is negotiated directly with you to fit your margin and program — no one-size-fits-all platform fee.

The Wholesale Partner Program — Where FundingLinQ Differs

Most platforms aggregate conventional lenders. FundingLinQ also has a relationship with a wholesale private lending partner that operates very differently from a bank or a typical bridge lender:

The cash-against-cash model

You bring qualifying capital — cash, top-tier crypto, or gold — and the wholesale partner provides a loan that is typically 2x, 3x, or 4x that qualifying capital. The qualifying capital stays in a regulated Attorney Trust account or in your own bank. It is never sent to the lender. The structure is non-recourse: no personal guarantees. The loan is secured by the financial structure, not by your house, car, or personal balance sheet.

If your asset appreciates, you keep the upside

This is the most asked-about feature. If you post $10M in Bitcoin as qualifying capital and Bitcoin doubles during the loan term, you keep the gain. The asset (and its appreciation) is returned to you at loan maturity. The wholesale partner is paid from interest, not from your asset value.

The qualifiers — be honest with yourself

• Liquidity: USD $3M–$9M (Small Cap) or USD $10M+ (Large Cap) in qualifying capital.
• Timeline: 60–90 banking days because of international compliance. This is not for time-crunched deals — if you need funds next week, the platform refers you to a standard bridge lender instead.
• Pricing: typically SOFR + ~2.5% (floor roughly 5–6%), interest-only payments.
• Documentation: streamlined — no personal tax returns, no personal financial statements, no personal guarantees. KYC and corporate documents only.

Documentation — What You'll Actually Need

Fees — No Surprises

• No upfront platform fee for borrowers to list a project or for lenders to browse.
• FundingLinQ is paid by the lender via a Success Fee negotiated per-lender — customized to fit each lender's margin and program.
• Private lenders on the platform typically charge a 3%–5% Success Fee on funding.
• Traditional lenders may charge application, due-diligence, legal, and success fees per their own policies. You'll see these clearly when you're introduced.
• Loan Agreement legal costs are typically paid by the borrower to the drafting law firm before closing — not to FundingLinQ.