Step-by-step funding process

Your path to business funding.

The funding process and the Burns Funding Method, explained from your first call to full repayment.

The process at a glance

From review to repayment.

  1. Initial funding reviewYour funding profile is evaluated to find which programs in our partner lending network may suit your business.
  2. Application with lending partnersOnce qualified, your application goes to independent third-party lenders who review your business profile.
  3. Funding approvalIf approved, funding is issued directly by the lender under its own terms, conditions and underwriting.
  4. Burns Funding Method participationHave 100% of your loan balance paid off on your behalf.
The Burns Funding process
Here's how it works

Your four steps to funding.

  1. Talk to an advisor

    Funding strategy call

    Start by scheduling a call with a Burns Funding advisor to discuss your goals and explore funding options available through our network of lending partners.

    We'll review your business profile, discuss potential funding programs, and explain how the Burns Funding Method works for clients who choose to participate.

    This strategy session helps decide the right path before your application goes to participating lenders.

    Book your call

  2. Lender-led

    Submit your application to lending partners

    Once your profile is reviewed, your application may be submitted to independent lending partners that match your credit profile and funding needs.

    A funding advisor walks you through the available programs. Depending on the lender and program, funding may be available in as little as a few weeks after approval.

    Burns Funding does not control lender decisions, underwriting criteria or funding timelines.

    Start your application

  3. Optional

    Burns Funding agreement

    While your application is being processed, Burns Funding may begin preparing the structure required to participate in the Burns Funding Method.

    Once the lender approves and disburses your funding, the participation agreement may be executed and put in place according to the program structure.

    This keeps funding approval, capital deployment and the passive income strategy that supports repayment in step.

  4. Managed by Burns Funding

    Burns Funding Method implementation

    If you've chosen to participate, Burns Funding coordinates deploying its allocated portion of net proceeds into structured passive income opportunities designed to repay 100% of the funding balance.

    The strategy is managed by Burns Funding and monitored through structured reporting and performance tracking.

    Participation in the Burns Funding Method is optional and governed by a separate written agreement.

Before you start

What you'll need and what you'll sign.

Qualifications and agreements
Qualifications

Your credit profile

Your credit profile determines eligibility, funding limits and available programs. To review it, you create a free one-week account with our partner Credit Ready, where you can see your credit score and detailed insights into your credit standing and history. This information may be shared with our team to help find potential funding options.

Participation agreement

If you choose the Method

If you choose to participate in the Burns Funding Method, a separate agreement setting out the structure and participation terms is reviewed and signed before anything is put in place.

Contract agreement

The partnership agreement

We finalize and sign a partnership agreement.

See a sample contract

Peter J. Burns III
Benefits of working with Burns Funding

More than capital.

  • Access to capital. Through our network of independent lending partners, qualified business owners can access funding that may be hard to secure through traditional channels, giving you the capital to grow, invest and move your business forward.
  • Experienced guidance. You benefit from the insight of Peter J. Burns III, a serial entrepreneur with nearly five decades in business. Having started over 150 companies and worked with thousands of entrepreneurs worldwide, Peter knows how to structure capital, scale businesses and spot opportunities that last.
  • A strategy beyond funding. For select participants, the goal is to combine funding with strategic deployment opportunities designed to support repayment and create long-term financial leverage for the business owner.
Important considerations

Know this before you apply.

Funding review process

After you apply, our team and our lending partners review your financial profile to determine potential funding options.

Credit stability

During the funding process, avoid anything that could hurt your credit profile. Changes may affect approval or funding amounts.

Third-party lending decisions

All underwriting decisions, approvals, funding terms and timelines are set solely by the independent third-party lender.

Due diligence

Review all funding agreements and lender terms carefully before accepting funding.

Important considerations
Objections & FAQs

Your questions, answered.

The basics

Am I applying for a loan through Burns Funding?

No. Burns Funding is not a lender. We help qualified business owners access third-party funding and then partner with them to deploy that capital into income-producing assets.

Traditional funding companies help you obtain capital and leave you to figure out the rest. Burns Funding provides access to passive income opportunities and a structured repayment strategy designed to help accelerate loan repayment while building long-term assets.

How is Burns Funding different from a traditional funding company?

Most funding companies help you obtain financing and their involvement ends there. Burns Funding goes a step further by helping clients use funding strategically to acquire income-producing assets designed to generate cash flow and support long-term wealth building. Our goal is not just to help you access capital, but to help you put that capital to work.

We also put a solid legal agreement in place between Burns Funding and each client, so all obligations are clearly defined and protected, even if leadership ever changes.

Who decides whether I'm approved, and for how much?

Funding eligibility and approval amounts are determined by our third-party lending partners. To keep it simple, we've created a single application that is shared directly with our lending network. Once you submit it, our partners review your information and determine whether you qualify, and for how much.

Apply here

What happens after I receive funding?

The next steps depend on the partnership option you choose. Your funds are deployed into the selected income-producing asset, such as an Amazon store or Airbnb partnership, and our operating partners handle the day-to-day management. You'll receive onboarding information, agreement documentation and updates throughout the process.

Why use funding to buy an asset instead of putting it all into my business?

Many entrepreneurs need capital today but also want to build long-term wealth. Through a 50/50 partnership with Burns Funding, part of the funding can be used for your business while another part is invested in a passive income asset. The strategy is designed to support loan repayment, and once the loan is paid off, the asset remains in your name, with the potential for ongoing income and long-term value.

Can I invest directly without borrowing money?

Yes. The Direct Co-Investor Partnership is designed for people who already have capital to invest. You invest directly into the asset partnership, the asset is professionally managed by the operating team, and you share in the profits according to the partnership agreement without needing to obtain funding first.

The partnership

What am I responsible for as the borrower or investor?

As a borrower, your main responsibility is keeping good standing with any funding obligations and providing information needed during setup. As a co-investor and co-owner, the day-to-day operation is handled by the operating partner. You'll receive updates and can monitor your asset's performance without managing it.

How are profits split between the operator, Burns Funding and me?

Profit distributions depend on the partnership structure you choose and are clearly outlined in your agreement before you move forward. In general, profits are shared among the store owner, the operating partner and Burns Funding based on each party's role and contribution. If funding is involved, profits may first be directed toward loan repayment before distributions begin.

Can the asset's profits really help pay off my loan?

That is the goal of the Burns Funding Method. In the Funding + Partnership Model, store profits are first directed toward repaying the loan balance. No specific results can be guaranteed, but the objective is to use the asset's cash flow to reduce or eliminate the debt while building long-term ownership. Once the loan is repaid, future profits are shared according to the partnership agreement.

What happens after the loan is fully repaid?

Profits are no longer directed toward debt repayment and become distributable according to the partnership agreement. You continue to benefit from your ownership interest and any future cash flow the asset generates.

With a larger funding amount, can I own multiple assets?

Potentially, yes. Larger funding amounts may allow participation in multiple asset partnerships, depending on the amount approved, the opportunities available and the structure of your agreement.

Can profits be reinvested into additional assets?

Potentially, yes. Depending on the asset, partnership structure and your goals, profits may be reinvested into additional opportunities offered through Burns Funding, building diversification over time.

How does Burns Funding make money in these partnerships?

Burns Funding participates as a partner in the asset and earns a share of the profits when the asset performs. It also contributes strategic support, partnership capital and ongoing oversight. Burns Funding benefits when the client and the asset perform well over the long term.

What does success look like five years from now?

Owning one or more income-producing assets that generate ongoing cash flow, with any associated funding fully repaid, and using the profits to keep building wealth through additional investments.

Amazon & Airbnb assets

How does the Amazon Store Partnership work?

You become a co-owner of a professionally managed Amazon store without running it yourself. An experienced Amazon operator handles product sourcing, store management and scaling. As a partner, you share in the store's performance while the operational work is managed for you.

Who owns the Amazon store?

The client owns the store from the beginning. Our Amazon operating partner handles the day-to-day operations, growth and management. Both the client and Burns Funding have access to the store's back office.

Who manages the store day to day?

Our Amazon operating partner and their team handle product sourcing, supplier relationships, inventory, customer service, account maintenance and growth strategy, so you can remain a passive owner.

Can you show me real examples of successful stores?

Yes. One recent store generated about $59,246 in revenue and $15,139 in profit in its first six months. By month six it was generating about $6,000 a month in profit and continued to grow. More examples may be available during due diligence. Current projections are 10,000–15,000 in monthly profit.

How long until a store becomes profitable?

Every store is different, but the projected timeline is typically 4 to 6 months after launch:

  • Months 4–6: about 2,000–3,000 a month in profit
  • Months 6–8: about 4,000–6,000 a month
  • Months 9–12: about 6,000–9,000 a month
  • Mature stores: potentially over $10,000 a month

These figures are estimates and are not guarantees of future performance.

Why Amazon instead of another passive income opportunity?

Amazon is one of several asset opportunities Burns Funding plans to offer. We chose it because it has a proven operator, established systems and a strong track record. As we verify other qualified operators, we intend to expand into short-term rentals (Airbnb), TikTok Shops, luxury vehicle rentals and other income-producing opportunities.

How does the Airbnb partnership compare to the Amazon partnership?

With the Amazon partnership, you participate in a professionally managed Amazon store run by an experienced e-commerce team. With the Airbnb partnership, you participate in a professionally managed short-term rental run by an experienced hospitality team that handles guest communication, marketing, pricing, operations and property management.

In both, the goal is the same: own a cash-flowing asset while experienced operators manage the day-to-day on your behalf. Structure, timelines and profit potential vary by asset and agreement.

Who manages the Airbnb properties?

Burns Funding's hospitality operating partner handles guest communication, marketing, pricing, reservations, cleaning coordination, maintenance and day-to-day operations, aiming to maximize occupancy and revenue while keeping the investment largely passive for owners.

Airbnb or Amazon: which is the better asset?

Amazon stores are digital assets that can scale without being tied to a location. Airbnb assets are tied to travel and hospitality and can benefit from tourism, seasonal demand and growth in vacation markets. The right choice depends on your goals, and many choose to diversify by participating in both.

Why not invest in an Amazon store or Airbnb myself?

You certainly can. The advantage of the Burns Funding Method is access to verified, experienced operators, established systems and a partnership structure that reduces the time, learning curve and operational work of building these businesses yourself, without necessarily using all of your own capital.

Risk, legal & exit

What are the biggest risks with the Burns Funding Method?

Like any business or investment, there are risks. Asset performance can vary, market conditions can change, and no specific income, profit or loan repayment timeline can be guaranteed. Amazon stores, Airbnb properties and other assets may have periods of lower-than-expected performance. Loan obligations remain in place regardless of how the asset performs.

Clients should carefully weigh both the potential rewards and the risks before participating.

What legal agreements protect both parties?

Participants typically enter written agreements that define ownership, profit-sharing, responsibilities, distributions, exit provisions and each party's rights and obligations. Clients are encouraged to review all agreements carefully and to seek independent legal advice if they wish.

How much visibility will I have into the asset's performance?

As an owner or co-owner, you'll receive updates on key metrics such as revenue, expenses, profitability and distributions, as applicable. The reporting process varies by asset type and operating partner.

What happens if the operator stops performing?

Burns Funding carefully vets its operators, but circumstances can change. If an operator isn't meeting expectations, Burns Funding will work to protect the partnership's interests, which may include operational changes, restructuring or transitioning management. Rights and remedies are set out in the partnership agreements.

What if I want to exit the partnership later?

Exit options depend on the agreement and the asset. An ownership interest may be sold, transferred, bought out by another partner, or liquidated if the asset is sold. Exit terms, restrictions and buyout provisions are outlined in the agreement before you participate.

Do you have a 650+ credit score?

This could be the game changer for you and your business.

Burns Funding gives entrepreneurs a strategic way to access business funding through independent lending partners. For select clients, the Burns Funding Method combines funding with a structured passive income strategy designed to support repayment of the loan balance.

Peter J. Burns III

Burns Funding is not a lender. All underwriting decisions, approvals, funding terms and timelines are determined solely by independent third-party lenders. Participation in the Burns Funding Method is optional and governed by a separate written agreement.

Stay connected

Learn alongside other founders.

Funding Accelerator Network Live monthly calls with Peter

Funding Accelerator Network

A private community of entrepreneurs and small business owners discussing all things funding. Members get access to live monthly calls with Peter, founder of Burns Funding.

The Burns Equation Podcast Twice a month

The Burns Equation Podcast

A twice-monthly podcast featuring successful entrepreneurs and the people who support them.