Built by a business owner. For business owners.
We started Lend On Capital in 2020 to fix what was broken about small business funding: endless paperwork, slow answers, and lenders who don't know what it takes to run a business. Today we've helped over 10,000 businesses across the US and Canada get the capital they need.
By the numbers
Since 2020Banks weren't built for the way small businesses actually run. We were.
Two things, done well.
A clear mission, and a track record that backs it up.
Our Mission
Give small and mid-sized business owners real access to capital, on terms that match how their business actually works. Less paperwork, more clarity, and answers in hours instead of weeks.
If you have revenue and a business that's working, we can almost always find a way to fund you.
The Impact
Restaurants hiring before peak season. Contractors taking on bigger jobs. Dental practices opening second locations. Retail owners stocking up before their busiest quarter.
Real businesses, real growth. That's the only metric that matters.
Three things we never compromise on
This is how we run every deal, every day.
Answers in hours, not weeks
Most clients get a decision the same day they apply, with funds wired in as little as 24 hours. We move at the speed of opportunity.
No hidden fees. Ever.
Every rate, term, and payment is laid out before you sign. You'll know exactly what you're paying and why. No surprises, no fine print.
A real person, on your side
You get a dedicated funding manager who picks up the phone, knows your file, and walks you through every option. Not a chatbot. Not a queue.
From a simple idea to half a billion funded
Our story is short, but the milestones are real.
Lend On Capital is founded
Started in Aventura, FL with one goal: build the funding partner we wished existed when we ran our own business. Three programs from day one — short-term, line of credit, and long-term.
BBB Accredited, A+ rating
Earned BBB accreditation alongside hundreds of five-star reviews on Google and Trustpilot. Trust isn't claimed, it's earned one client at a time.
Expanded to Canada
Launched cross-border funding for Canadian businesses, with the same speed and terms our US clients had come to expect.
10,000+ businesses funded
Hit a major milestone: more than 10,000 small and mid-sized businesses funded across all 50 states and most Canadian provinces.
$500M+ in capital deployed
Half a billion dollars working in real businesses across North America, with a ~90% approval rate and one of the lowest default rates in the industry.
To our business community
As a business owner myself, I know the long hours, the hard calls, and the drive it takes to build something real. Building a small business isn't easy, but every step forward is worth it.
Lend On Capital exists because I wanted to be the funding partner I wish I'd had. Someone who picks up the phone, gets back to you the same day, and treats your business like it matters.
If you're weighing whether to apply, here's my promise: we'll give you a straight answer, fast, and we'll only recommend funding that actually helps you grow.
Take the first step in growing your business
Apply now and get an offer as soon as today. Or call and speak directly with a funding expert.