Business Funding
$20K to $3M - US & Canada

Business loans, tailored to you. Not off the shelf.

Work with a dedicated funding advisor who structures the right facility for your business - term loans, credit lines, and long-term financing from $20K to $3M. No collateral, no equity given up.

Check My Eligibility →
$500M+Capital Deployed
10K+Businesses Funded
24hrFastest Funding
4.9★Google Rating
See if you qualify - takes 60 seconds
STEP 1 OF 4

How much are you looking to borrow?

Has your business been operating for at least 6 months?

What is your average monthly revenue?

Type an amount or drag the slider
Please enter your monthly revenue.

Last step - where do we send your options?

Please enter your first and last name.
Please enter your business name.
Please enter a valid email address.

We'll send your offer here. No spam, ever.

Please enter a valid 10-digit phone number.

Your funding manager calls you here to walk through your offers.

By clicking Get My Offers, you agree to our Terms and consent to receive calls and texts from Lend On Capital about your application. Standard message and data rates may apply.

Your info is safe. We never share it.  ·  No credit impact.
$500M+ Capital Delivered | 10,000+ Businesses Funded | Funding in as little as 24 hours | No collateral · No equity given up · No hidden fees | Serving the US & Canada | Fast approvals · No banks required | $500M+ Capital Delivered | 10,000+ Businesses Funded | Funding in as little as 24 hours | No collateral · No equity given up · No hidden fees | Serving the US & Canada | Fast approvals · No banks required |
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Three Programs. One Application.

Business Loan Programs for Every Stage of Growth

Compare three business financing options - short-term loans, business lines of credit, and long-term loans. Apply once, get funded fast.

Serving businesses in 🇺🇸United States and 🇨🇦Canada
Funded in 24hrs

Short-Term Business Loan

A lump-sum short-term business loan for bridge opportunities and immediate growth spikes.
Amount$20K – $1M
Rate from1.11x factor rate
Terms6 – 24 months
PaymentsDaily or weekly
CollateralNot required
Processing0 – 2 days
Check Eligibility →
Draw as needed
$

Business Line of Credit

A revolving business line of credit for daily operations, inventory, and cash flow needs.
Amount$50K – $250K
Rate from8.99% annually
Terms12 – 30 months
PaymentsWeekly or monthly
Interest onUsed funds only
Processing0 – 2 days
Check Eligibility →
US only

Long-Term Business Loan

Larger long-term business financing with low monthly payments for long-horizon investments.
Amount$50K – $3M
Rate from6.99% annually
Terms36 – 120 months
PaymentsMonthly only
CollateralNot required
Processing3 – 6 weeks
Check Eligibility →
Why Lend On Capital

Funding that moves at your speed.

Real funding managers, real timelines, and terms you can read in one screen.

Funding in as little as 24 hours.

Many short-term approvals go from yes to wire within one business day.

  • Decisions in hours, not weeks
  • Funds arrive by wire, straight to your business account
  • A funding manager you can call, start to finish
Approved
Lend On Capital logo mark
Short-Term Loan
12 months
$250,000
Wire released9:14 AM EST

Real options from a real advisor.

Your funding manager prepares more than one way to fund it, then walks you through the fit.

  • Compare structured offers side by side
  • Starts with a soft credit check
  • You keep 100% of your equity

Some programs in the US and Canada may require a hard credit check before funding.

Prepared by your funding manager
Your options
Short-Term Loan$250,000 · 24 mo
Line of Credit$100,000 revolving
Long-Term Loan$500,000 · 60 mo

Qualifying is simpler than you think.

Two numbers and a few months of statements is the whole test.

  • $20K+ in monthly revenue
  • 6+ months in business
  • 4 to 6 months of bank statements
Most applicants clear these
$20K+ monthly revenue6+ months open
Statements needed4 to 6 months

Over $500M into businesses like yours.

Ten years of funding operators across the US and Canada.

  • 10,000+ businesses funded
  • Every major industry, US and Canada
  • Most clients come back for a second round
Auto repair, TX$180,000
Restaurant group, FL$95,000
HVAC contractor, OH$420,000

Rates start from 6.99% APR or equivalent factor rate, varying by program, term, and credit profile. Approval subject to credit review. Lend On Capital is a financial technology company, not a bank.

How it works

How to get a business loan in three steps.

Built for speed. Here is exactly what happens after you apply for business funding, and how fast each step moves.

01
About 60 seconds

Submit your application

A 60-second form with a soft credit check only, zero impact on your FICO score.

02
Often within the hour

Review your offers

A dedicated funding manager calls and walks you through the options.

03
As little as 24 hours

Funds hit your account

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.

Recently funded

Small businesses across the US and Canada, getting funded.

Real working capital, delivered across the US and Canada. Each orange pin is a recent funding.

$500M+Delivered
10,000+Businesses funded
Funding 50 US States and 10 Canadian ProvincesWhere we fund
24 hoursFastest funding
Map of recent business loan fundings across the US and Canada
Latest fundings

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.

Social Proof

Lend On Capital Reviews
From Real Business Owners

4.9
★★★★★
Rated Excellent by 400+ business owners
Google★★★★★ 4.9 · 200+ Trustpilot4.8 · 212 reviews BBB BBBA+ Accredited
★★★★★

The bank said no after three weeks of waiting. Lend On Capital reviewed our bank statements and funded $120K in two days. We made payroll and kept the contract.

DDavid M.
Construction, Dallas TX
★★★★★

I needed inventory before the holiday rush. My line of credit was approved the same afternoon and I drew exactly what I needed, nothing more.

PPriya S.
Retail, Toronto ON
★★★★★

My funding manager walked through every option and gave me the real numbers up front. No surprises, no hidden fees, and the money landed the next day.

MMarcus R.
Commercial Cleaning, Atlanta GA
Business Loan Calculator

See Your Payment
Before You Apply

Use our business loan calculator for a real-time payment estimate. No credit check, no commitment.

Loan Type
Loan Amount
$150,000
$20K$1M
Loan Term
18 months
6 mo24 mo
Check My Eligibility →

Estimate only. Actual rates depend on your business profile.

Estimated Monthly Payment Range
—
Based on $150,000 over 18 months
Total Repayment Range
—
Annual Rate Range
from 11.99%
Funding Speed
24 hours
Payment Frequency
Weekly
You may qualify if you have:
✓ 6+ months in business
✓ $20K+ monthly revenue
✓ Active business bank account
✓ No collateral required

* Payment range shown is based on a Tier A to A+ applicant profile. Your actual rate is determined during underwriting based on business revenue, time in business, credit profile, and industry.

Insights

Business Funding Guides

View All →
Construction crew on a commercial project funded with a business line of credit
Line of Credit · Case Study
How a Construction Company Used a Line of Credit to Fund a $120,000 Project

A commercial construction company in Orlando secured fast working capital to start a major project on time.

 Restaurant owner reviewing small business loan options
Small Business Loans · Guide
Small Business Loans For Restaurant Owners

What restaurant owners need to know about getting the right business loan, rates, terms, and how to qualify.

 Business owner planning growth with a business loan
Business Loans · Guide
5 Ways Business Owners Use a Business Loan to Grow Their Business

As a business owner, you know that growth is key. Here are five ways a business loan can help you get there.
Quick Answers

Business Loan Questions,
Answered

Most businesses get a short-term loan or line of credit funded within 24 hours of approval. Long-term loans take 3 to 6 weeks due to extra underwriting. Once you apply, your funding manager will give you a clear timeline.
Most businesses qualify if they have been operating for at least 6 months and bring in $20,000 or more per month in 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.
Yes. We fund businesses across the United States and Canada. Whether you're in Toronto, Vancouver, Miami, or Dallas, we can work with you. The process and requirements are the same in both countries.
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. Most of our business loan programs do not require collateral, and we never take equity in your business. You keep full ownership and control. We're a lender, not an investor.
Banks have strict requirements that many solid businesses don't meet. We look at your actual business performance, not just your credit score or collateral. Many of our clients came to us after a bank said no, and we got them funded the next day.
Get Started Today

Ready to Grow
Your Business?

Get the business funding you need in as little as 24 hours. Free, fast, and no obligation.

Check My Eligibility → Book a Call