Your proof of funds link, in about a minute.
Yours, or whoever else’s money is going into the deal: bank or brokerage statements, screenshots of them, or a letter from a lender or an investor. We do not keep the file.
Free, no signup. Statements from the last 90 days.
See a finished linkWhy not just email what you already have?
Most buyers email a statement, a screenshot, or both, and it often works. Here is what it costs.
It costs you time you do not see
Emailing the files takes 15 seconds. Answering the broker’s questions about them takes a couple of minutes, sometimes across several emails, and the CIM waits until you have finished. Pasting a FundStamp link takes 3 seconds, and the link answers the questions. You go straight to the CIM.
It costs the broker time, and that costs you the broker
A broker with a good listing gets more than 100 inquiries and is deciding which buyers are worth an hour. Your proof of funds is the first thing you do together. If it takes them work, you start the relationship as work. If it takes them nothing, they have that time for your questions, and you become the buyer they call back.
Blacking out your account number does not remove it
Most buyers who send a statement first crop it or draw a black box over the account number. The box is a shape on top of the page; the text is still in the file underneath, exactly as the bank typed it. Select the page and paste it into an email, and every character comes back. No special tools.
With FundStamp, no broker receives a file. Upload the same statement you would have emailed them, or connect the account read-only through Plaid and send nothing at all. We read the figures, verify them against the document, and destroy the document. What the broker opens is the answer. One figure, split into money you could wire now and money that would take a few weeks. Each part names the institution and the date it was established.
FundStamp does not replace your statement or your screenshot. FundStamp reads them, so that nobody else has to.
What a broker sees
One page, no login. Your funding, in its parts. The money you hold: one line per account, with the type, the institution, the last four digits and the amount counted. It is split into what you can wire now and what takes a few weeks. A lender’s pre-approval, with the letter to download. An investor’s commitment, in the words they confirmed. Each part carries the date it was established.
Nothing else about you is on the page. No account numbers, no transactions, no address, no other accounts. If you would rather not show the amount, you can publish that you hold at least a figure you pick, and the breakdown stays off the page. A link stays current. When your funding changes, every broker who holds the link sees the new figure at the address they already have. A broker checks funding twice, once before sending you anything and properly before taking your offer to the seller, and one link covers both. You can switch it off at any time. The link is unguessable, nothing links to it, and it is never indexed by search engines or used to train anything.
See an exampleWhat we hold, and for how long
A bank statement is safest when it is never sent anywhere.
A file you email is a copy you no longer control. Not because anyone is careless, but because that is what sending a file is: you cannot say how many copies exist, who has been forwarded one, or when any of them will be deleted.
| With FundStamp | Emailing the statement | |
|---|---|---|
| The statement itself | Read inside the request that received it, then destroyed. Never written to disk, unless you tick the box that lets the people you share with download it. | A copy in an inbox, a download folder, and wherever it is forwarded next. |
| Your account numbers | Never stored and never shown. A recipient sees the last four digits. | Printed in full on the statement, along with anything a black box failed to remove. |
| Your transactions and address | Never retrieved. We read balances, not activity. | Every line of them, to whoever opens the file. |
| Your bank login | Never seen. A connection is read-only and goes through Plaid. | Not applicable, and that is the one point in its favor. |
| A lender's or investor's letter | Stored, because a recipient opens it. The only document kept, now that statements never are. | Also stored, by everyone it reaches. |
| Who can see it | Only someone holding your link. Never indexed, never used for training. | Whoever the file was forwarded to, which you will not be told. |
| How it ends | Revoke the link, or delete your account and everything about you goes with it. | You cannot un-send a file. There is nothing to revoke. |
You decide when it ends
Revoke a link and the page it opened stops existing, along with any letter behind it. Delete your account and everything we hold about you goes with it: the figures, the connections, the letters, and the record that you ever uploaded anything. It is a rule in the database, not a request in a queue.
Retirement money, counted correctly
Most buyers are funding part of the purchase from a 401(k) at a former employer or an IRA. Brokers rarely have time to work out how much of that money you could use at closing. So it gets counted in full, which credits you with money you cannot move. Or it gets written off entirely, and nobody tells you. You look like a buyer who cannot afford a business you could comfortably afford.
FundStamp applies the rule for each account. A plan at an employer you have left is treated differently from one you are still at. Only the vested portion counts, and you state that figure. An inherited IRA counts only where the law allows it. A Roth is assessed as a Roth. A 457(b) at a non-governmental employer is not counted, because that money is not yours until your employer pays it out.
How each account type is treatedPricing
Upload your statements or connect your accounts
$0, no time limit
Send the link to as many brokers as you like, for as long as you like. Recipients are never charged. Connecting is the faster of the two, with no file to find, and connected accounts can be read again whenever your figure needs to be current.
Why it is free
Because it costs us very little to do. Reading a document is a few cents of computing, and connecting an account is a little more. There is nobody handling your file by hand, so there is no cost to pass on to you.
We intend to earn our money from lenders rather than from you. That means helping a buyer who asks us to find financing, with what that buyer chooses to send, at the moment they ask. If you ask us to find a lender, we would introduce you to one, and you would know about it because you asked. We will not pass your details to a lender you never asked about.
No lender pays us today, and no lender has ever received anything about a FundStamp user. There are no lender arrangements of any kind yet. That is the plan, not the income, and we would rather tell you than have you wonder.
We do not sell your data. We do not share it. Not with brokers, sellers, marketplaces, advertisers, or anyone assembling a profile of you. The only person who sees your figure is the one you send the link to. The privacy policy names every company that touches your data and what each one does.
If we ever charge, the link you already sent keeps working. What a link costs is fixed when it is made, so a price introduced later applies to new verifications and never to one a broker already holds.
Proof of funds, explained
- Proof of funds for buying a business: what brokers actually want
- Do you have to send a business broker your bank statements?
- Does showing proof of funds hurt your negotiating position?
- Proof of funds letter, bank statement, or verification: which to send
- Why is a broker asking for proof of funds before showing me anything?
- Can I use my 401(k) or IRA as proof of funds to buy a business?
FundStamp shows only the claim the account holder authorizes. It does not reserve funds or guarantee that a buyer will close.