Based on what you shared, your business is just shy of our current minimums. Here's what we typically look for:
Want a heads-up when you qualify?
Most businesses are ready in 3–6 months. We'll send a one-time email when you're in range.
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Already qualify? Call 844-902-3080
See exactly what your business qualifies for, from $20K to $3M. It takes 60 seconds and never touches your credit.
We match you to the best option based on your business profile, often within 24 hours.
"I've worked with a few lenders before but Lend On Capital truly stood out. Their team made the process smooth and fast and thanks to their help I was able to secure the funds I needed to upgrade my equipment and grow my business."
Banks take weeks. Most online lenders charge for their speed. Here is the same comparison a smart borrower would build anyway.
| Traditional banks | Lend On Capital | Typical online lenders | |
|---|---|---|---|
| Annual rates | Lowest, if approved | From 6.99% | Often 25%+ |
| Time to offer | Several weeks | Often within 24 hours | 24 to 48 hours |
| Terms | Rigid | 6 to 120 months | Usually under 12 months |
| Who reviews your file | Committee | Your assigned advisor | An algorithm |
| Credit check to see options | Hard pull | Soft pull only | Varies |
| Collateral | Usually required | Not required | Varies |
Real working capital, delivered coast to coast. Each orange pin is a recent funding.
Recent funding examples are illustrative of typical activity and locations. Lend On Capital is a financial technology company, not a bank. Approval subject to credit review.
Every application is reviewed by an assigned funding advisor. Here is what that means for you.
Line of credit, short-term, or long-term funding. Your advisor matches you to the option that fits your revenue and your goals, so you never have to guess which product to pick.
Not an automated platform. Your advisor looks at your revenue, your season, and your existing payments before any offer goes out. That is how close calls become approvals.
Soft credit pull only, zero impact on your FICO score. You see real numbers, amounts, terms, and payments before you commit to anything.
60% of our clients return for their next round of funding. Your advisor structures this round so the next one comes with better terms.
Built for growing businesses. Here is exactly what happens after you apply, and what to expect at each step.
A 60-second form with a soft credit check only, zero impact on your FICO score.
A dedicated funding manager calls and walks you through the options.
Wired directly to your business bank account. Timelines vary by program.
Approval subject to credit review. Funding timelines vary by program, term, and credit profile.
"We won a new large client and needed to hire 6 people before the contract started. Lend On Capital reviewed our bank statements, structured a program that fit our cash flow, and got us the capital to make the hires. We delivered on the contract."
Personal service, translated into results. One experienced advisor learns your business, structures the right funding for today, and builds the plan for your next stage so your capital keeps pace with your goals.
Once your application is submitted, your dedicated funding manager will review your information and reach out to walk you through the available programs. Funding timelines vary by program type and how quickly underwriting documentation is completed. Long-term loans require more extensive underwriting than short-term programs. Your funding manager will give you a clear, specific timeline based on your situation.
Most businesses qualify if their business brings in $200,000 or more in annual revenue. You'll need to share 4 to 6 months of business bank statements. No collateral required.
Checking your eligibility does not impact your credit score. We only run a soft pull to see what you qualify for. A hard pull only happens if you move forward with a specific loan offer, and we'll let you know before that happens.
A short-term loan gives you a lump sum upfront that you repay on a fixed schedule. A line of credit lets you draw funds as needed and only pay interest on what you use. If you have ongoing cash flow needs, a line of credit is usually the better fit. If you need a specific amount for a specific purpose, a short-term loan makes more sense.
Short-term loans go from $20K to $1M. Lines of credit go from $50K to $250K. Long-term loans go from $50K to $3M. The amount you qualify for depends on your monthly revenue, time in business, and business profile.
No. We do not take equity in your business and most of our programs do not require collateral. You keep full ownership and control. We're a lender, not an investor.
Banks have rigid criteria that exclude many strong businesses. We look at how your business actually performs, not just your credit score. Our underwriting team reviews 4 to 6 months of bank statements to make a real, business-based decision.
