Frequently Asked Questions

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  • FundLok is a capital platform that connects SMEs and investors through a more flexible, technology-enabled financing model.

  • Traditional loans often rely on rigid repayment schedules that do not always reflect how SMEs actually operate. FundLok is designed around a more adaptive financing structure that better aligns with real business performance.

  • No. FundLok is not a bank. It is a technology-enabled platform designed to facilitate funding, repayment routing, and transaction visibility.

  • FundLok is built to automate key parts of onboarding, assessment, offer handling, funding flows, and repayment tracking. This helps improve speed, consistency, and transparency.

  • FundLok is built with security, controlled access, and data protection as core priorities. Platform processes are designed to support secure onboarding, transaction handling, and information management.

  • No. All funding and investment activity involves eligibility review, structuring, and risk. FundLok improves access, process, and transparency, but it does not eliminate business or repayment risk. Fundings are based on investors’ decisions, of which FundLok has no control over.

SME Questions

General Questions

Investor Questions

  • FundLok is designed for SMEs that meet the platform’s eligibility and verification requirements. Suitability depends on the business profile, financial condition, and fit with the funding model.

  • SMEs may need to provide business information, verification documents, and financial data for assessment & repayment. The exact requirements may vary depending on the business and funding request.

  • FundLok uses a technology-driven assessment process that may include automated financial evaluation, structured data analysis, AI context-specific investigation and business-specific review to better understand each SME’s operating situation.

  • Yes. SMEs can review the proposed terms before confirming and proceeding to the listing stage.

  • FundLok is designed around repayment mechanisms that better reflect actual business activity, helping create a more flexible and transparent repayment structure.

  • Because cash flow, growth pace, and repayment pressure vary across businesses. FundLok is built around the idea that financing should fit the reality of the business rather than force every SME into the same structure.

  • Investors who complete the required onboarding and verification process may access opportunities available on the platform, subject to the applicable structure and requirements.

  • Verified investors can browse available listings, review structured opportunities, and participate through the platform’s funding process.

  • Investor funds are intended to be handled through a controlled funding structure and used only for approved SME financing purposes.

  • FundLok is designed with controlled fund routing, transaction visibility, and operational safeguards to support a secure and transparent funding process.

  • As SME repayments are made through the platform’s servicing structure, funds are routed and tracked according to the applicable repayment and allocation process.

  • Investors are intended to have visibility into funding activity, repayment progress, and relevant transaction tracking through the platform’s technology layer.