# Funding Knowledge Base

Funding product-family routing, intake, documentation, disqualifiers, qualification bands, and public-safe language guidance for AI Agent Library agents, pages, prompt systems, partner resources, and workflow assets.

## Purpose

This knowledge base helps agents and operators understand how to frame funding-related workflows without turning the process into application roulette.

Use this folder to support:

- Funding-readiness pages
- Lead intake summaries
- Broker routing assistants
- Product-family explainers
- Public-safe funding content
- Partner resource cards
- CRM follow-up workflows
- Funding-related prompt packs
- Funding product schema examples

## Core Operating Principle

Do not sell a product before understanding the file.

Funding workflows should start with the business context, requested use of funds, urgency, revenue profile, credit band, documentation availability, and known disqualifiers.

## Primary Users

- Funding brokers
- Referral partners
- Affiliate operators
- Intake teams
- Closers
- Processors
- AI workflow builders
- Static site builders
- Custom GPT builders

## Product Family Map

### 1. Startup / Credit-Leverage Path

For newer businesses, founders, or operators where available credit profile, personal credit, or setup readiness matters more than business revenue history.

Common fit signals:

- New or early-stage business
- Limited business revenue
- Stronger personal credit
- Need for startup capital
- Need for credit-stack planning
- Need for business setup readiness

Common caution signals:

- Very weak credit
- Recent severe delinquencies
- Open bankruptcy
- No clear business plan
- No ability to document identity, entity, or income

### 2. Revenue Advance / Fast Capital Path

For active businesses with revenue and bank activity where speed matters.

Common fit signals:

- Active business revenue
- Bank statements available
- Consistent deposits
- Immediate working capital need
- Short-term opportunity or cash-flow gap

Common caution signals:

- Frequent NSFs
- Very inconsistent deposits
- Too many existing advances
- Major unresolved tax liens
- Recent negative banking events
- No bank statements

### 3. Business Line / Revolving Access Path

For businesses seeking flexible access rather than one-time lump-sum capital.

Common fit signals:

- Recurring working capital need
- Better credit profile
- Stable revenue
- Preference for flexibility
- Need for draw-based access

Common caution signals:

- Weak credit profile
- Thin business history
- Excessive inquiries
- Recent delinquencies
- Insufficient revenue stability

### 4. Structured Growth Loan Path

For stronger businesses seeking more structured repayment, larger capital, or lower-cost capital compared with short-term advances.

Common fit signals:

- Longer time in business
- Better financial documentation
- Stable cash flow
- Stronger credit
- Willingness to provide tax returns or financial statements

Common caution signals:

- Poor documentation
- Recent severe credit events
- Unstable revenue
- High existing debt load
- Need for same-day funding

### 5. Equipment / Asset Finance Path

For businesses purchasing or financing equipment, vehicles, machinery, or productive assets.

Common fit signals:

- Equipment invoice or quote available
- Asset has business use
- Business has ability to repay
- Equipment supports revenue or operations
- Seller or vendor details are available

Common caution signals:

- Obsolete or salvage equipment
- Weak collateral description
- No invoice or quote
- Unclear use of equipment
- Equipment unrelated to business activity

### 6. Real Estate Capital Path

For real estate investors, developers, operators, or property owners using collateral-backed funding.

Common fit signals:

- Property address available
- Purchase, refinance, fix-and-flip, rental, or bridge use case
- Collateral value can be reviewed
- Scope of work or appraisal available where relevant
- Exit strategy is defined

Common caution signals:

- Weak collateral
- Unclear ownership
- Missing purchase contract
- No scope of work for renovation
- No exit plan
- Title or lien issues

### 7. Marketplace / Ecommerce Capital Path

For sellers or ecommerce businesses with marketplace, platform, or payout activity.

Common fit signals:

- Ecommerce or marketplace revenue
- Platform sales history
- Consistent payouts
- Healthy account standing
- Ad spend or inventory cash-flow need

Common caution signals:

- Suspended marketplace account
- Unstable payouts
- Heavy chargebacks
- No platform access or reporting
- Revenue concentrated in one risky channel

## Qualification Bands

Use these as routing bands, not promises.

### Startup / No Revenue / Credit-Leverage

Best for:

- New entities
- Stronger personal credit
- Setup-stage businesses
- Founders needing education or readiness steps

Avoid saying:

- Guaranteed startup funding
- Guaranteed business credit
- No revenue approval guaranteed

### Fair Credit / Active Revenue

Best for:

- Businesses with active revenue
- Some credit limitations
- Need for working capital
- Possible revenue-based options

Avoid saying:

- Bad credit approval guaranteed
- Same-day funding guaranteed
- No-doc approval guaranteed

### Subprime / Revenue-Based

Best for:

- Active revenue files
- Short-term cash needs
- Businesses that may not fit bank-style products

Avoid saying:

- No credit check guaranteed
- Approval regardless of credit
- Instant approval for all businesses

### Good Credit / Bank-Adjacent

Best for:

- Stronger files
- Lines of credit
- Structured loans
- Lower-cost capital exploration

Avoid saying:

- Lowest rate guaranteed
- Guaranteed bank approval
- Pre-approved without review

### Asset-Backed / Real Estate / Equipment

Best for:

- Property-backed needs
- Equipment purchases
- Tangible collateral scenarios

Avoid saying:

- Asset always guarantees approval
- No documentation needed
- Property value alone is enough

### Marketplace / Platform-Based

Best for:

- Ecommerce sellers
- Platform revenue
- Inventory or ad spend needs

Avoid saying:

- Marketplace revenue guarantees funding
- Suspended sellers qualify
- Platform access is not needed

## Required Intake Questions

Ask enough to route the file intelligently.

### General Intake

- What does the business do?
- How long has the business been operating?
- How much funding is being requested?
- What will the funds be used for?
- How quickly is capital needed?
- Is the business startup-stage, active, real estate-related, equipment-related, or ecommerce/marketplace-based?
- What is the estimated monthly revenue?
- What is the approximate credit range?
- Are there any recent bankruptcies, tax liens, delinquencies, overdrafts, or NSFs?
- Are bank statements available?
- Is speed, cost, flexibility, or approval likelihood most important?

### Revenue-Based Intake

- Average monthly deposits?
- Number of deposits per month?
- Any NSFs or negative days?
- Existing advances or daily/weekly payments?
- Bank statements available for the last 3–6 months?
- Any major revenue concentration?

### Credit-Driven Intake

- Approximate personal credit range?
- Recent inquiries?
- Utilization level?
- Recent late payments?
- Open collections?
- Bankruptcy history?
- Available credit lines?

### Equipment Intake

- What equipment is being purchased?
- Is there an invoice or quote?
- New or used?
- Vendor or seller information?
- Equipment cost?
- Down payment available?
- Business use of the equipment?

### Real Estate Intake

- Property address?
- Purchase, refinance, bridge, fix-and-flip, rental, or development?
- Purchase price or estimated value?
- Loan amount requested?
- Scope of work?
- Exit strategy?
- Appraisal, rent roll, lease, or purchase contract available?

### Marketplace / Ecommerce Intake

- Marketplace or ecommerce platform?
- Average monthly sales?
- Payout cadence?
- Account standing?
- Chargebacks or holds?
- Ad spend level?
- Inventory needs?
- Platform reports available?

## Required Documents by Funding Family

### Startup / Credit-Leverage

- Entity documents
- Owner identification
- Credit profile estimate
- Business plan or use-of-funds summary
- Income documentation if required
- Business bank account information if available

### Revenue Advance / Fast Capital

- Last 3–6 months business bank statements
- Business application or intake form
- Owner identification
- Voided check or bank verification if required
- Existing funding balance details if applicable

### Business Line / Structured Loan

- Business bank statements
- Tax returns when required
- Profit and loss statement when required
- Balance sheet when required
- Debt schedule when required
- Business ownership information

### Equipment Finance

- Equipment invoice or quote
- Vendor information
- Equipment description
- Business financials if required
- Owner identification
- Insurance details if required

### Real Estate Capital

- Property address
- Purchase contract if acquisition
- Appraisal or valuation support where available
- Scope of work for renovation
- Rent roll or lease for income property
- Entity and ownership documents
- Exit strategy notes

### Marketplace / Ecommerce Capital

- Marketplace statements or reports
- Platform account access or screenshots where acceptable
- Bank statements
- Payout history
- Inventory or ad spend plan
- Account standing confirmation

## Fast Disqualifiers

These do not automatically mean every option is impossible, but they should trigger caution, rerouting, or a “not enough information” response.

- Open bankruptcy
- Major unresolved tax liens
- Repeated recent delinquencies
- Frequent NSFs or negative banking days
- Excessive recent credit inquiries for credit-driven files
- No revenue for revenue-based capital
- Refusal to provide required documents while demanding speed
- Suspended marketplace account
- Weak or unclear collateral
- Obsolete, salvage, or hard-to-value equipment
- No clear use of funds
- No repayment logic
- No ability to verify ownership or identity

## Public-Safe Language Rules

Use:

- “May be a fit”
- “Common requirements”
- “Typical documents”
- “Funding readiness”
- “Potential options”
- “Next steps”
- “Qualification factors”
- “File review”
- “Routing guidance”
- “Educational overview”

Avoid:

- “Guaranteed approval”
- “Guaranteed funding”
- “No denial”
- “No credit check for everyone”
- “Instant approval”
- “Everyone qualifies”
- “Lowest rates guaranteed”
- “No documents required”
- “Bad credit approved no matter what”
- “We can get anyone funded”

## Standard Agent Output Format

Funding-related agents should return:

```md
## File Summary

- Business type:
- Time in business:
- Monthly revenue:
- Funding request:
- Use of funds:
- Speed needed:
- Credit band:
- Documents available:
- Known issues:

## Likely Product Family

[Startup / Revenue Advance / Line / Structured Loan / Equipment / Real Estate / Marketplace]

## Fit Rationale

Explain why this path may be relevant.

## Missing Information

- Missing item 1
- Missing item 2

## Caution Flags

- Caution flag 1
- Caution flag 2

## Suggested Next Step

Give one clear next step.

## Public-Safe Language

Provide wording that does not promise approval, funding, rates, or outcomes.
```

## Example Safe Funding Summary

A business with active revenue and available bank statements may be ready for a working-capital review. The next step is to confirm monthly deposits, recent NSF activity, existing funding obligations, use of funds, and document availability before routing the file to a potential product family.

## Related Repo Paths

```text
knowledge-base/funding/
schemas/funding-product.schema.json
examples/funding/
funding-kb.html
business-credit-kb.html
partner-enablement-kb.html
```

## Maintenance Checklist

- [ ] Product families are current.
- [ ] Required document lists are reviewed.
- [ ] Public-safe language is preserved.
- [ ] No private provider rules are exposed.
- [ ] No approval or funding guarantees are included.
- [ ] Examples are synthetic or sanitized.