You're almost there.
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 3–6 months. We'll send a one-time email when you're in range.
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Already qualify? Call 844-902-3080
Three ways to get funded.
We match you to the best option based on your business profile, often within the hour.
From Bid Won to Team Hired and Working
"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 application to funded.
Built for speed. Here is exactly what happens after you apply, and how fast each step moves.
Submit your application
A 60-second form with a soft credit check only, zero impact on your FICO score.
Review your offers
A dedicated funding manager calls and walks you through the options.
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.
Businesses across the country, getting funded.
Real working capital, delivered coast to coast. Each orange pin is a recent funding.
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.
What business owners say about us.
*Approval rate is based on qualified applications. See details.
Common questions.
What's the typical funding process timeline?
Once your application is submitted, your dedicated funding manager will review your information and reach 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.
What do I need to qualify?
Most businesses qualify if they have been operating for at least 6 months and bring in $15,000 or more per month in revenue. You'll need to share 4 to 6 months of business bank statements. No collateral required.
Will applying affect my credit score?
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.
What's the difference between a short-term loan and a line of credit?
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.
How much can I borrow?
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.
Do I need to give up equity or put up collateral?
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.
What if I've been turned down by a bank?
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.
Get your business funded.
A 60-second application with a soft credit check only, no impact on your FICO score.