FastLane by FastPay Reviews: Easy Online Lending for Digital Media Companies

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FastPay on laptop with cashCan’t front financing for your new project until you receive payment for your past digital media work? Not getting paid on time is a widespread problem in the online advertising industry. How can you ever get ahead? Applying for a business loan or raising venture capital aren’t ideal options, especially for small businesses. Introducing FastLane by FastPay, a niche online lender that offers financing for digital media companies. Is FastPay a viable alternative? Our FastLane by FastPay reviews gives you all the information you need to decide if this online lender can help you get your head above water without borrowing against your business.

FastPay logoVisit FastLane by FastPay’s Website

Review Overview

Speed of Approval & Funding
Qualifications for Approval
APR Rate
Funding Amounts & Payment Terms
Customer Service


FastLane by FastPay's low qualification requirements, speed of funding and customer service are winners in our book. APR rates can get high, but this is true for many fast-funding online lenders. Payment terms, however, are stricter than most, giving you 4 months to repay.

How Does FastLane by FastPay Work?

FastLane by FastPay lends you a line of credit against your company’s account receivables (pending invoices). This unique lending model keeps your personal finances and business capital in place — a good alternative for startups and growing small businesses. Unlike most other online and traditional lenders, FastPay only requires reviewing your pending invoices to qualify for financing (no requirements for annual income or years in business). You can apply easily online and handle most of the process quickly through FastLane, their financial platform, and have funds in hand within two business days. Keep reading for more details and our FastPay reviews.

Key Features

  • In business since 2009
  • More than $1.5 billion loaned to 3,000+ businesses
  • Finance media receivables, including work for digital advertising, apps, websites, games, creative projects or campaigns
  • Line of credit depends on your pending invoices balance, not annual income or credit score
  • Intuitive finance platform
  • First funding minimum request of $5,000; $500 minimum invoice amount after that
  • Receive up to 70% of your invoices balance
  • Integrates with numerous media revenue dashboards, including Google, AOL, Yahoo!, Appnexus, Rubicon, OpenX, Taboola and more
  • Credit line increases available for $100,000+ after 4-6 months with FastPay



  • Good for startups and growing businesses
  • Fewer qualifications for financing compared to other lenders
  • No personal guarantee required
  • Receive funds within 2 business days
  • QuickBooks and Sage integrations
  • Good customer support via phone and email
  • Required to repay in full within 120 days
  • High 3% monthly fee (roughly 52% APR if you take 120 days to pay back)
  • Not BBB accredited
  • Financing not offered to sole proprietors

Who Borrows From FastLane by FastPay?

Here’s a breakdown of FastPay’s clients by business type to give you an idea of their primary borrowers.

Breakdown chart of FastPay clients

Want to Better Manage Your Startup’s Cash Flow?

The video below gives you some great tips on how to handle your business’ cash flow.

What’s Our Final Verdict on FastPay?

Visit FastLane by FastPay’s Website

If you’re having trouble trying to balance getting paid on time with fronting the financing for new campaigns, you’re not alone. A survey conducted by the Internet Advertising Bureau found that it takes digital advertisers 60 days or more to get paid on 80% of their invoices. FastPay is an excellent way to ensure that you have digital media financing to start on your next project or campaign — without having to borrow against your business or personal holdings.

But, if you’re still on the fence about going with FastPay or another online lender, be sure to check out our best small business loans online article, which compares many of the top online lenders and gives you information on what it takes to qualify, loan types, terms and much more.

Why are you considering getting a small business loan?

Sally has coupled her passion for writing with her (slight) obsession for the latest high tech gadgets. While she’s not daydreaming about the beach, she’s taking advantage of all the activities her hometown has to offer in the Blue Ridge foothills.

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1 Comment on "FastLane by FastPay Reviews: Easy Online Lending for Digital Media Companies"

Broke Business Owner
Broke Business Owner

Nice to see there are alternatives out there for business lending – those banks will charge an arm and a leg!


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