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General Underwriting guidelines 

Intent Index

Guaranteed Business Funding (GBF) provides fast working capital to small business owners through our use of data, technology. Our proprietary underwriting scoring model is powered by our Intent Index ™. The Intent Index assigns a score to each and every file that has met our minimum requirements for funding. Minimum requirements are an applicant small business must be in business for at least 4 months, generating at least $8000 per month in gross revenues and having a personal FICO of at least 400. Through today’s technology and the ability to store and crunch millions of pieces of data in seconds we can mitigate risk by knowing what non-credit based data points are predictive. The predictive attributes coupled with the business banking data that the applicant provides helps measure the businesses ability to pay and the business owner’s intention to pay. All too often a personal matter can adversely affect credit. Why should a low FICO score hamper a business owner’s ability to secure capital? We believe that business performance, cash flows, experience, and the business owner’s intent to pay should be the primary drivers.

Leveraging Technology and Data to Drive The Intent Index

Traditional banks do not leverage enough technology or fully understand how to use non-credit based data to predict risk. Guaranteed Business Funding has years of experience working with alternative data and can quickly and efficiently provide funding decisions within minutes to small businesses. GBF can provide a business cash advance within hours while traditional financing takes weeks and months. We, or our network of funding partners*, purchase a small business owner’s future receivables at a discount. We advance them capital today for tomorrow’s revenues so they can expand, hire, buy inventory, and grow their business. This working capital advance is not a loan. Due to its inherent risk, working capital advances are shorter term, have a higher cost of capital, and provide relatively lower dollar amounts ($3000 -$500,000) to business owners. Payments are not monthly rather daily, Monday through Friday only (no weekends or holidays). The terms are not fixed rather adjustable based on the business’s cash flow. A percentage of daily deposits is deducted from the business account so as to not adversely affect cash flows. If sales are down, the daily payment is less and vice versa. Our Intent Index ™ is constantly adjusted to mitigate risk and provide sound results.



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  • Home page
  • Sell ERTC for Cash now
    • ERTC Filing at Zero Cost
    • What is the earned revenue credit (ERC)
    • When Can I Claim the Employee Retention Tax Credit (ERTC)
    • What is the ERTC Tax credit for businesses
    • ERTC Cash Advance >
      • Sell your ERTC Credits for cash
  • Business Cash Advance on future sales
  • Apply online
    • Apply >
      • Apply online now
      • call and apply 24 hours a day
      • PDF application for funding
      • Flex Lease
      • Adsense funding, website sales
      • American Relief Funding >
        • American Relief Funding
      • Terms and Conditions >
        • Privacy Poicy
  • ERTC Filing, for no money out of pocket
  • Business Purchase Funding
  • Sale and stay Leaseback
    • Sale Lease Option Funding
  • How it works
    • see us in AP news
    • Alternative Business Loans
    • Small Business Funding >
      • SBA loans apply online
      • Asset Based Funding
      • Merchant Cash Advance
      • Business Cash Advance
      • Equipment Leasing
      • Factor Funding
      • Unsecured Small Business Loans
      • Car title loans
      • Affiliate Marketing
    • Why Choose Us
    • Funding Options >
      • Sell your ERTC credits for cash
      • Industries We Serve >
        • Church Financing
        • Commercial Fishing Loans
        • Commercial Timber Loans
        • Franchise
        • Green Energy Business Loans
        • Oil And Gas Co Financing
        • Healthcare >
          • Medical Office Financing
          • Chiropractic Practice Financing
          • Dental Office Financing
          • Fitness Center Business Loans
        • Restaurant >
          • Food Truck Business Loan
          • Restaurant Financing
        • Retail >
          • Bicycle Shop Financing
          • Grocery Store Business Loans
          • Gun Shop Financing
          • Liquor Store Financing
          • Pet Store Loans
        • Service >
          • Automotive Business Loans
          • Construction Business Loans
          • Hotel Motel Financing
          • HVAC Business Financing
          • Laundromat Financing
          • Nail Salon Financing
          • Salon Financing
          • Tanning Salon Financing
          • Commercial Truck Financing
        • Synagogue Loans
      • Groups We Serve >
        • Fresh Start Business
        • Minority-Owned Business
        • Women-Owned Business
        • Veteran-Owned Business
      • Business Financing >
        • Poor Credit Business Loans
        • Bad Credit Business Loans
        • Credit Card Processing
        • Fast Small Business Loans
        • No Collateral Business Loans
        • SBA Business Loans
        • Secured Business Loans
        • Small Business Lending
        • Working Capital Loan
  • The Solution
    • "The Solution" An Entreprenuers guidebook to finance
    • The solution book case study signup
  • YouTube Channel
    • See us on Fox 5 San Diego
    • See us on ABC news in Nashville
    • Contact Us >
      • Loan & Finance Brokers
      • ISO Partner Program
    • Blogs >
      • Secrets to get funding for your business. >
        • Blog Feed
        • Success Stories
      • Business Funding Blog
      • Evil Banker Horror Stories
    • FAQ & Support
  • About Us
    • See us in TodayInBanking.com
    • Our Company
    • Referral program
    • General Underwriting Guidlines
    • News and Press Releases >
      • Free advertsing for restaurants
      • Article Submission >
        • Investigative Report Submission >
          • list of pre approved
        • Research Submission
      • store