Skyline Funding Review (2026)
- Min. Amount
- $5,000
- Max. Amount
- $3,000,000
- APR
- Not listed on its website
Our verdict
A small business lender offering fast funding with flexible eligibility, but limited transparency on rates and fees.
Skyline Funding is a New York-based alternative business lender offering lines of credit, revenue-based funding and SBA loan assistance from $5,000 to $5M. Its main appeal is accessibility, a soft credit pull on application, flexible minimum FICO scores and no collateral required. Funding can arrive within 24 hours of approval. The tradeoff: Skyline discloses very little about fees or rates upfront, and the company is relatively new with a thin review footprint. It's worth considering for businesses with lower credit or urgent capital needs, but compare offers before committing.
Pros
-
No hard credit pull on initial application
-
Funding available as fast as same day
-
No collateral required for any product
-
Flexible minimum credit score requirements
-
Early repayment discounts available on some products
Cons
-
Fees and rates not disclosed on its website
-
Limited online reviews, thin track record to evaluate
-
No state availability information published
-
Revenue-based repayment terms fluctuate with cash flow
-
Does not fund adult entertainment or gambling businesses
Key takeaways
- Skyline Funding is a relatively new company that launched in 2025 and has no BBB profile — confirm all terms in writing before signing, and note the SBA loan page references “direct lender partnerships,” suggesting a broker or marketplace role for that product.
- No APRs, factor rates, origination fees or wire transfer fee amounts are disclosed on the website — you won’t know your cost of borrowing until you receive an offer.
- Decisions typically come within 12 hours with same-day wire funding or next-business-day ACH available, and a minimum FICO of 450 for revenue-based products makes it accessible to lower-credit borrowers.
Is Skyline Funding legit?
Skyline Funding Capital LLC, doing business as Skyline Funding, is a real business operating through skylinefundingcapital.com with a listed phone number and email address. Based on its website copyright date, it appears to have launched in 2025, making it a relatively new company.
It does not appear in the BBB’s database as of June 2026, meaning it has not sought accreditation. It has a Trustpilot profile with a small number of reviews. Trustpilot has applied a note that the company “may be associated with high-risk investments” — this is a standard label Trustpilot uses for certain financial services companies, not a fraud indicator.
Worth noting: the SBA loan page references “direct lender partnerships,” which typically indicates a broker or marketplace role rather than direct lending. Confirm all terms in writing before signing any agreement.
What makes Skyline Funding shine?
- No hard credit pull to apply. Skyline performs only a soft credit check on the initial application, which doesn’t affect your credit score. A hard pull may occur in specific circumstances, but Skyline states it will notify you first.
- Fast funding. It offers fast business loans, with decisions typically within 12 hours, and approved funds can be deposited the same day via wire transfer or the next business day via ACH.
- No collateral required. Its products appear to be unsecured, not requiring you to put up business or personal assets as security.
- Flexible credit requirements. Minimum FICO scores range from 450 to 690 depending on the product, giving businesses with lower credit a path to approval.
- Early repayment upside. Some products offer discounts or interest forgiveness for paying off early.
Where Skyline Funding falls short
- No published rates or fees. APRs, factor rates, origination fees and wire transfer fee amounts are not disclosed on Skyline’s website. You won’t know your cost of borrowing until you receive an offer.
- Thin review history. With only a small number of external reviews, there’s limited independent data on post-funding customer experience.
- No state availability listed. Skyline doesn’t specify which US states it lends in. Confirm eligibility before applying.
- Fluctuating repayment on revenue-based funding. Payments are tied to cash flow and can vary month to month, making budgeting harder than with a fixed-term loan.
How Skyline Funding compares to other lenders
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
Skyline Funding loan details
| Feature | Details |
|---|---|
| Minimum credit score | 450+ (revenue-based); 600+ (line of credit); 690+ (SBA) |
| APR | Not listed on its website |
| Loan amounts | $5,000–$3M (revenue-based and line of credit); up to $5M (SBA) |
| Loan terms | 6 months–2 years (fixed); fluctuates with cash flow (revenue-based) |
| Approval/funding turnaround | Decision within 12 hours; same-day wire or next-day ACH |
| State availability | Not listed on its website |
| Origination fee | Not listed on its website |
| Prepayment penalty | Varies by product; early repayment discounts available on some |
| Late fee | Not listed on its website |
Skyline Funding contact info
| Channel | Details |
|---|---|
| Phone | (917) 267-2189 |
| Customer service hours | Monday–Friday, 9am–6pm EST |
| management@skylinefundingcapital.com | |
| X (formerly Twitter) | Not listed on its website |
| Not listed on its website | |
| Not listed on its website |
Calculate your monthly loan payments
Use the calculator below to get an estimate before you apply.
Loan repayment calculator
See how much you'll pay|
Your loan
|
|---|
| Loan amount |
|
$
|
| Loan terms (in years) |
|
|
| Interest rate |
|
%
|
Fill out the form and click on “Calculate” to see your estimated monthly payment.
or
Compare lendersBased on your loan terms
| Principal | $ |
|---|---|
| Interest | $ |
| Total Cost | $ |
How do you qualify for a Skyline Funding loan?
Eligibility varies by product. Requirements listed on Skyline’s website are:
- Revenue-based funding: 450+ FICO, $180K+ annual revenue, 1+ year in business, business checking account
- Line of credit: 600+ FICO, $190K+ annual revenue, 1+ year in business, business checking account
- SBA loans: 690+ FICO, $250K+ annual revenue, 1+ year in business, business checking account
- Businesses in adult entertainment or gambling are not eligible
Note: Skyline’s FAQ page lists a 500+ FICO and 6-month minimum time in business as general thresholds, which conflicts with the 1-year minimum shown on individual product pages. Confirm directly with Skyline before applying.
How to apply for a Skyline Funding loan
The online application takes around five minutes to complete.
- Apply online. Submit your basic business details at skylinefundingcapital.com/apply-now. This triggers a soft credit pull only.
- Upload bank statements. Provide your three most recent business bank statements through Skyline’s secure portal.
- Review your offers. A Relationship Manager typically contacts you within 12 hours with funding options. You can also apply by phone at (917) 267-2189.
- Sign and receive funds. Accept your offer, sign the agreement and receive funds — same day via wire (fees may apply) or next business day via ACH.
Skyline Funding reviews and complaints
Skyline Funding has a limited external review footprint. On Trustpilot, positive reviewers praise individual advisors — particularly a rep named Saul — for clear communication, same-day funding and willingness to help when other lenders declined. One negative reviewer described receiving unsolicited marketing emails after not opting in. Skyline responded with an apology and stated it had removed the email address from all lists.
The company has no BBB profile, so no complaint history is available.
What do people on Reddit say?
Frequently asked questions
Your reviews
Megan B. Finder
Editor, Loans & Insurance
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.