Tell us about your business.
Start with your funding needs, revenue and operating history. Your initial application uses a soft credit check.
Business loans for the business
you’re building.
Explore short-term and long-term business loans, plus business lines of credit, with a dedicated funding manager. Compare available options for eligible US and Canadian businesses. Long-term loans are available to US businesses only.
Initial soft credit checkNo obligation to accept
Business funding is personal. See what business owners are saying.
Financing options
Compare business loansand financing options.1
Flexible access. A defined lump sum. A longer horizon. Explore the structures with a funding manager who understands your business.
Compare our 3 funding programs
Swipe to explore all three programs
Short-Term Loan
One lump sum for a defined need, repaid on a fixed schedule with a payoff date you know on day one.
- Funding$20K to $1MFunding from $20K to $1M
- Terms6 to 24 monthsTerms of 6 to 24 months
- PaymentsDaily or weeklyDaily or weekly payments
- CollateralNone requiredNo collateral required
Business line of credit
A credit limit you draw from, repay and draw against again. Interest only on what you use.
- Credit limit$50K to $250KCredit limits from $50K to $250K
- Terms12 to 30 monthsTerms of 12 to 30 months
- PaymentsWeekly or monthlyWeekly or monthly payments
- InterestOnly on funds you useInterest only on funds you use
Long-Term Loan
Larger financing with lower monthly payments for long-horizon investments. US businesses only.
- Funding$50K to $3MFunding from $50K to $3M
- Terms36 to 120 monthsTerms of 36 to 120 months
- PaymentsMonthlyMonthly payments
- CollateralNone under $350KNo collateral under $350K
Scroll the comparison to see every program.
| Program details | Short-Term Loan | Business line of credit | Long-Term Loan |
|---|---|---|---|
| Funding amount | $20K–$1M | $50K–$250K | $50K–$3M |
| Access | One lump sum | Draw, repay and draw again | One lump sum |
| Terms | 6–24 months | 12–30 months | 36–120 months |
| Payment frequency | Daily or weekly | Weekly or monthly | Monthly |
| Availability | US and Canada | US and Canada | US only |
Know what comes next
How to apply
for a business loan.
A short application. A conversation about your business. Options you can understand.
Check your eligibilityCompare your options.
Your funding manager reviews your profile and walks you through any available offers and their terms.
Decide what works for you.
Accept an offer when it fits. Complete the requested documents and confirm the funding timeline with your manager.
Get funded.
Once the offer is accepted and everything is complete, funding goes to your business account.
Built around your businessBusiness financing
for your next move.3
Choose a need. Answer 3 short questions to explore relevant funding options.
Select a need to start your funding guide. No contact details needed.
Your funding guide
Let’s explore what fits your next move.
What’s behind the next move?
Common business uses for financing
- Cash flow and costs. Payroll, supplier payments and repairs are often compared across the Business line of credit and the Short-Term Loan.
- An opportunity. Inventory, a marketing campaign or a new contract can be weighed against repayment timing and total commitment.
- Bigger plans. Equipment and expansion are usually compared across the Short-Term and Long-Term Loan; the Long-Term Loan is available to US businesses only.
- Payment pressure. Your funding manager can review existing payments and cash flow together before you decide on anything new.
Read business loan or line of credit: which fits your plans or see all business loan options compared.
For this move. And the next.A funding manager who looks at your business, your commitments and where you want to go.
Recently funded across North America3
Businesses like yours, funded where you are.
Past fundings
Recent fundings
50 US StatesFunding in every state
10 Canadian ProvincesFunding coast to coast
3 Funding ProgramsBusiness line of credit, Short-Term Loan & Long-Term Loan
What business owners say about Lend On Capital.2
“They always reach out to make sure things are ok and remember my past loans and my needs.”
“I was really impressed by Lend On Capital. Ron in particular was remarkably direct and honest.”
“Quick to answer, super professional, and they got everything done without me having to chase anyone down.”
“Very good experience with Lend On Capital! The customer service is great. The process was fast and smoother than I expected.”
“I was able to secure the funds I needed to upgrade my equipment and grow my business.”
Read more on Trustpilot and the BBB profile.
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Your next move.Our full attention.
A personal approach
Business loan options
with personal guidance.
Your business is more than a credit score. We look at your revenue, cash flow and goals to help you find funding that fits.
Lend On Capital helps eligible businesses in the United States and Canada compare business loans and lines of credit. A dedicated funding manager explains available options, costs and repayment schedules. Program availability and approval depend on the business and location.
Your own funding manager
One person to explain the options and guide you through the process.
More than one possibility
Compare financing options, with guidance on the differences.
The details, before the decision
Understand the cost and repayment commitments before you accept.
What does Lend On Capital do?
Lend On Capital helps eligible businesses in the US and Canada compare business loans and lines of credit. A dedicated funding manager explains the available options, costs and repayment schedules. Availability and approval depend on the business and location.
What types of business loans can I compare?
The Short-Term Loan is a lump sum for a defined need, repaid over 6 to 24 months. The Long-Term Loan is a lump sum repaid over 36 to 120 months and is available to US businesses only. The Business line of credit is a credit limit you can draw from, repay and draw against again, with interest on the funds you use. The comparison table above shows amounts, terms and payment frequency side by side.
What do I need to qualify?
Eligibility is reviewed case by case and depends on your business bank account activity, revenue and time in business. Requirements vary by program, and meeting them does not guarantee approval.
What documents will I need?
To start, you complete a short application with a soft credit check. You will need recent business bank statements, and your funding manager may request additional documents, such as proof of ownership or a payoff letter for existing financing.
Which options have monthly payments?
The Long-Term Loan is repaid monthly. The Business line of credit is repaid weekly or monthly, and the Short-Term Loan is repaid daily or weekly. Payment frequency is shown in the offer, so confirm it before you accept.
What will financing cost?
Cost depends on the program, amount, term and your business profile, and it is shown in your offer. Before you accept, review the interest or fees, the payment amount and frequency, the number of payments and the total you would repay. Lower payments do not necessarily mean a lower total cost. Collateral requirements also vary by program, and your funding manager will explain them.
Will the application affect my credit score?
The initial application uses a soft credit check, which does not affect your credit score. Some programs may require a hard inquiry later. Your funding manager will explain any additional checks before you proceed.
How quickly can I receive funding?
Timing depends on the program, your qualifications and receipt of all required documents. Your funding manager will walk you through the timeline for your situation.
Can I apply from Canada?
Yes. We work with eligible businesses in the US and Canada. The Short-Term Loan and Business line of credit are available in both countries, while the Long-Term Loan is available to US businesses only. Amounts and qualification criteria differ by country.
Am I committed when I apply?
No. Applying does not obligate you to accept financing. You can review available offers and their terms before deciding whether to proceed.
For better decisions
A clearer view of business funding.
Explore your business loan options
Tell us what you have in mind. We’ll help you explore the funding options.
Find my funding options