Built by a business owner. For business owners.
I started Lend On Capital in 2020 to be the funding partner I wish I had when I ran my own business: someone who picks up the phone, explains every option and treats.
Why we exist
Funding that fits how your business actually runs.
Building a small business is hard. The long hours, the hard calls and the drive it takes are things I know first hand. What should not be hard is finding the right funding.
Too often business owners meet endless paperwork, slow answers and one-size-fits-all products. We built Lend On Capital to be the opposite: a real person who knows your business, clear terms, and a program chosen for your stage, your use of funds and your goals.
If you are weighing whether to apply, here is my promise: we will give you a straight answer, and we will only recommend funding that actually helps you grow.
What we stand for
Three things we never compromise on
A real person on your side
A dedicated funding manager who picks up the phone, knows your business and walks you through every option. Not a chatbot. Not a queue.
Terms you can read
Every rate, term and payment is laid out before you accept anything. You know exactly what you are paying and why.
The right program for your stage
A line of credit, short-term or long-term funding, chosen for your use of funds and where your business is today. Never one loan for everyone.
How we work
From first call to funded
Apply in about 60 seconds
A short application with a soft credit pull. No impact on your credit score to check.
Your funding manager takes over
One person reviews your bank statements and learns your business, your goals and your timing.
Compare your options
You receive multiple offers, each explained: payment, total cost, payoff and what it does to your cash flow.
Funded, and supported after
Funds go straight to your business account. The same funding manager is there for renewals and what comes next.
The journey
From one idea to half a billion funded
Our mission: give small and mid-sized business owners real access to capital, on terms that match how their business actually works.
- 2020
Founded in Aventura, FL
Short-term, line of credit and long-term programs from day one.
- 2022
BBB accredited, A+
Alongside hundreds of five-star reviews.
- 2023
Expanded to Canada
The same service and terms for Canadian businesses.
- 2024
10,000+ businesses funded
Across all 50 states and most Canadian provinces.
- Today
$500M+ deployed
Working in real businesses across North America.
Who we help
Businesses that are growing
Restaurants and food service
Hiring and stocking up before peak season.
Contractors and trades
Taking on bigger jobs and covering the costs up front.
Health and dental practices
Opening second locations and upgrading equipment.
Retail and ecommerce
Buying inventory before the busiest quarter.
Take the first step in growing your business
Check your eligibility in about a minute, or call and speak directly with a funding manager.
Call (844) 902-3080 · Mon to Fri, 9 AM to 6 PM ET