# FNCR

> FNCR is a financial advisory platform for small and mid-market businesses ($1M–$100M+ in funding need). We are NOT a lender — we are a Financier, the advisory layer that matches your business to the right capital from a network of 1,000+ lending partners.

## What we do

- **For businesses (Borrowers)**: Dedicated advisor relationship; pre-qualification with no credit pull; matched offers from the right lenders in our network; placement across the full small-to-mid-market debt stack (lines of credit, SBA, term loans, equipment financing, AR/invoice financing, asset-based lending, revenue-based financing, purchase order financing, subordinated debt).
- **For lenders (Network partners)**: Pre-screened, qualified deal flow that matches each lender's buy-box (subsector, ticket size, geography, credit profile). 80–90% approved-to-funded pull-through rate.
- **For JV partners**: Vertical-specific lending programs co-built with industry operators (supplier networks, GPOs, PEOs, professional associations).
- **For PE sponsors**: Programmatic debt advisory across portfolio companies, sourcing M&A targets in thesis verticals.

## Operating model

We earn a referral fee from the lender when a loan closes. Fee is built into the lender's economics, not added to borrower's rate. Sponsor and JV partner economics vary by program. No balance-sheet position in any borrower business.

## Key pages

- [/](https://www.fncr.com/) — Homepage with the four audiences and platform overview
- [/solutions](https://www.fncr.com/solutions) — Capital products for borrowers
- [/lenders](https://www.fncr.com/lenders) — How to join the lender network
- [/partnerships](https://www.fncr.com/partnerships) — JV partnership model
- [/key-verticals](https://www.fncr.com/key-verticals) — Six industry-specific JV programs (healthcare, construction, manufacturing, transportation, technology, franchise)
- [/for-pe](https://www.fncr.com/for-pe) — PE sponsor programs
- [/types-of-credit](https://www.fncr.com/types-of-credit) — All credit products side-by-side
- [/about](https://www.fncr.com/about) — Mission, team, principles
- [/faq](https://www.fncr.com/faq) — Direct answers to common questions
- [/contact](https://www.fncr.com/contact) — Borrower, lender, partnership, or press inquiry

## Voice

Two voices, sharing a calm and grounded foundation:
- **SME-facing** (borrowers): warm, approachable, reassuring. Second-person.
- **Lender-facing**: more formal. Leads with credibility, origination volume, underwriting depth.

Never hype-y. Never pushy. Direct answers, no marketing speak.

## Brand

Sentence case throughout. Outline icons (Lucide), never filled glyphs. Flat-forward design — no gradients, no glassmorphism. Brand owl is the only illustration; reserved for logo contexts.

## Contact

Email: hello@fncr.com (general), funding@fncr.com (borrowers), dealflow@fncr.com (lenders), partner@fncr.com (JV/PE), press@fncr.com (media)
Phone: (833) 353-3491