Lend On Capital – Fast Business Loans | $20K to $3M
Business Funding
$20K to $3M - Funded in 24hrs

Find the capital your business needs. No delays.

Fast, flexible funding from $20K to $3M. No collateral, no equity given up - just cash in your account in as little as 24 hours.

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$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.

Where should we send your offer?

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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Google Reviews
BBB Accredited Business
Three Programs. One Application.

The Right Capital for Every Stage of Growth

Three flexible programs built for businesses at every stage. Apply once and get funded fast.

Serving businesses in United States and Canada
Funded in 24hrs
Short-Term Loan
Lump sum funding for quick 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
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Draw as needed
$
Line of Credit
Revolving access to funds 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
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US only
Long-Term Loan
Access larger capital 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 →
How it works

Three steps from application to funded.

Built for speed. Here is exactly what happens after you apply, 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

Businesses across the country, getting funded.

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

$500M+Delivered
10,000+Businesses funded
50 states + CanadaWhere we fund
24 hoursFastest funding
Recent 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

What Business Owners
Say About Us

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
Instant Estimate

See Your Payment
Before You Apply

Get a real-time estimate in seconds. 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

Blogs & Articles

View All →
Construction
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.

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Quick Answers

Questions Business
Owners Ask Us

For short-term loans and lines of credit, most businesses get 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. 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 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 capital you need in as little as 24 hours. Free, fast, and no obligation.

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