Business financing marketplace
Answer seven questions and we will tell you which funding products your business fits. We are not a lender — we match you to partners who lend against profiles like yours, so you stop wasting applications on the ones who never would have.
Process
About two minutes of your time to find out where you stand.
Seven questions about revenue, time in business, credit and what the money is for.
We look at which of our funding partners actually lend against a profile like yours, rather than sending the same application everywhere.
You see the terms side by side and decide. There is no obligation to take any of them.
Products
Different products suit very different situations. Part of the point of the questionnaire is working out which of these you fit.
Fast access to capital repaid from future receivables. Suited to businesses with steady deposits and an immediate need.
A fixed amount over a fixed term at a fixed payment. Usually the lowest cost option when the business qualifies.
Draw what you need, pay interest only on what you draw. Useful for uneven or seasonal cash flow.
The equipment secures the financing, which often means easier approval and better terms.
Advance against unpaid invoices instead of waiting on customer payment terms.
Government-backed, the lowest rates available, and the slowest and most document-heavy to obtain.
Straight talk
If you already have merchant cash advances outstanding, some lenders will not fund on top of them and others will price for the added risk. Tell us up front. It changes who we approach, not whether we help you.
How long the business has been operating is usually the single biggest approval gate — often more decisive than a personal credit score.
Requests far out of proportion to monthly revenue rarely fund. If your figure is ambitious for your revenue, we would rather tell you than quietly send it out.
More funding on top of a stack of advances sometimes makes things worse, not better. If that is your situation we will say so rather than sell you another position.
Questions
Seeing your options does not require a hard credit pull. If you decide to move forward with a specific lender, that lender may run a hard inquiry at that point, and you will be told before it happens.
It depends entirely on the product. Requirements vary by lender across time in business, monthly revenue and credit profile. The questionnaire exists to work out which ones you actually fit.
No. LendingSearch is a marketplace. We match businesses to funding partners; the partner sets the amount, rate and terms and makes the credit decision.
Nothing to see your options. We are compensated by the funding partner when a deal closes.
Sometimes. Existing positions narrow the field and affect pricing, and some lenders will not fund on top of them at all. Tell us up front — it changes who we approach, not whether we will help.
Seven questions, about two minutes, and no credit pull to see your options.