Based on what you shared, your business is just shy of our current minimums. Here's what we typically look for:
Want a heads-up when you qualify?
Most businesses are ready in 3 to 6 months. We'll send a one-time email when you're in range.
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Already qualify? Call 844-902-3080
Business funding from $20,000 to $3,000,000, underwritten on how your business actually runs. No hit to your FICO to see what you qualify for.
Prefer to talk first? Book a call with a funding manager
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Real funding, real businesses, and the speed and approvals owners come to us for.
A short-term loan, a line of credit, and a long-term loan each solve a different problem. One short form, and all three are on the table.
Pick a product, set an amount and term, and get an estimated monthly payment. No credit check to run the numbers.
Estimate only, not an offer. Your actual rate depends on your full business profile.
"We won a new large client and needed to hire 6 people before the contract started. Lend On Capital reviewed our bank statements, structured a program that fit our cash flow, and got us the capital to make the hires. We delivered on the contract."
Three steps from first contact to money in your account.
Why established business owners come to us instead of waiting on a bank.
We look at how your business actually runs, then put the right options in front of you.
One short form opens all three. No re-applying.
One person who knows your file and answers the phone.
We read how your business runs, not just a credit score.
Checking your options never touches your credit.
The four reasons we hear most.
Keep payroll and bills covered between slow weeks.
Get the gear, vehicles, or stock to meet demand.
Fund a new location, a remodel, or a build-out.
Bring on staff and run campaigns that grow sales.
Real funding for real businesses across the US.
Once your application is submitted, your dedicated funding manager reviews your information and reaches out to walk you through the available programs. Funding timelines vary by program type and how quickly underwriting documentation is completed. Long-term loans require more extensive underwriting than short-term programs. Your funding manager will give you a clear, specific timeline based on your situation.
Most businesses qualify if they have an active business bringing 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.
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 rigid criteria that exclude many strong businesses. We look at how your business actually performs, not just your credit score. Our underwriting team reviews 4 to 6 months of bank statements to make a real, business-based decision.
See what your business qualifies for with a soft credit check. No hit to your FICO, and no obligation.
