Small Business Loans and Equipment Financing,
Without the Bank Wait
A business financing broker working with 50+ funding partners. Term loans, equipment financing, and working capital — most files receive a decision within 24 to 48 hours, with no application fee.
Decisions in as little as 24 hours
Get your funding options today.
A dedicated lendfloCapital advisor reviews your file and matches you to the right lender — same business day. At no cost. No hard credit pull.
Funding from
$5K to $2M
Access to 50+
lending solutions
87%
Approval Rate
24–48hr
Avg. Decision Time
Working with a network of 50+ U.S. funding partners — banks, direct lenders, and specialty finance companies.
From first question to funded account — fast.
No paperwork mountains. No unanswered callbacks. A real advisor handles everything. Most businesses are funded in 3–5 business days.
Tell Us About Your Business
Answer a few plain-English questions — industry, revenue, and how much you need. Takes under 3 minutes. No documents, no commitment, no hard credit pull.
Get Matched to the Right Lenders
Our system instantly filters 50+ lending solutions by credit profile, revenue, loan size, industry, and state. You see your best options in minutes — not days.
Get Funded Fast
A dedicated lendfloCapital advisor walks you through matched offers, handles every document, and submits your application. Most businesses receive funds within 3–5 business days.
Every type of capital your business needs — one network.
From $5K working capital to $2M term loans. Same-day decisions, zero cost to apply.
Business Term Loans
$25K – $2M
Unsecured term loans with fixed monthly payments and 12–60 month terms. No collateral needed. Decisions in 24–48 hours. Trusted by 40K+ American businesses.
Equipment Financing
$10K – $500K
Finance trucks, machinery, kitchen equipment, medical devices, and more. Equipment is the collateral. Same-day decisions. 0% down available. 84-month terms.
Revenue-Based Financing
$5K – $250K
Working capital tied to your monthly revenue — not your credit score. Repayment flexes with your cash flow. Fast approvals for all industries.
Asset-Based Credit
$50K – $5M
Unlock capital against receivables, inventory, and business assets. Government-backed structures available for complex credit profiles.
Your industry. Your state. Our capital.
Restaurants in Miami. Contractors in Nashville. Manufacturers in Detroit. Medical practices in Columbus. lendfloCapital funds businesses and every major American industry.
Restaurants & Food Service
Kitchen equipment upgrades, new locations, seasonal working capital. We fund food service businesses — fast.
Construction & Trades
Heavy equipment, fleet vehicles, and project-based working capital for contractors and tradespeople across the Southeast and Midwest. Same-day decisions available.
Healthcare & Medical
Imaging equipment, clinic buildouts, practice acquisitions, and technology upgrades. Serving physicians, dentists, and healthcare operators.
Retail & eCommerce
Inventory financing, store expansions, POS upgrades, and fulfillment infrastructure. lendfloCapital funds retail businesses at every stage.
Manufacturing
Production machinery, facility expansions, and supply chain financing for manufacturers competing in today's aggressive market. No bank timelines.
Transportation & Logistics
Commercial truck financing, trailer fleets, warehouse buildouts, and operational capital. Serving logistics operators.
Banks weren't built for you.
lendfloCapital was.
Speed. Approval rate. Advisor access. Transparency. Banks can't compete when you need capital in days — not months. Here's why 40,000+ American business owners chose lendfloCapital.
Same-Day Decisions
Most applications receive a decision within 24 hours — not 6 weeks. Our lenders move as fast as your business demands.
Real Human Advisors
You get a dedicated lendfloCapital advisor — not a chatbot, not a helpdesk ticket. A real person who understands your industry and fights for your best deal.
Zero Hidden Fees
Full transparency on every term, rate, and fee before you sign anything. What you see is exactly what you get — no closing surprises.
All Credit Profiles
Credit score from 500 to 800+? We have lenders for every profile. Revenue-based and asset-backed options for complex situations.
Speed Without Compromise
Faster than a bank doesn't mean riskier for you. Our underwriting is thorough — it's just not slow. Smart processes, faster funding.
Deep Expertise
We know the lending landscape in every market we serve. Regional nuances matter — our advisors know yours.
87%
Approval rate across our lender network
We exist because great businesses deserve capital — even when banks say no.
lendfloCapital was built by financing professionals who watched viable American businesses get rejected by banks that didn't understand them. Too small. Too new. Too complex. Too much of an industry the underwriter had never funded.
Today we serve businesses — with a network of 50+ lending solutions and advisors who treat every application like it matters. Because it does.
Dedicated Advisors
Assigned to your deal
Your biggest questions — answered straight.
Still have a question? Reach us at info@lendflocapital.com
7+
Common questions answered
Any U.S.-registered business — LLC, S-corp, C-corp, sole proprietor, or franchise. We work with restaurants, contractors, retailers, medical practices, manufacturers, trucking companies, and more.
No. Our initial qualification check is a soft pull only — zero impact on your personal or business credit score. A hard pull only occurs if you proceed with a specific lender's formal application and you consent.
Most businesses receive a decision within 24 hours. Funding typically lands in your account within 3–5 business days. Equipment financing under $150K often gets same-day decisions with 24–48 hour funding.
We have lenders who evaluate businesses on revenue, cash flow, and time in business — not just credit score. Revenue-based financing and asset-backed options are available for challenged credit. A bank decline doesn't disqualify you.
Absolutely nothing. lendfloCapital is 100% free for business owners. We earn a referral fee from lenders. You pay no extra fees — the rate and terms are identical to going direct.
Term loans: $25,000 to $2,000,000. Equipment financing: $10,000 to $500,000. Working capital: $5,000 to $250,000. The amount you qualify for depends on your revenue, time in business, and credit profile.
Most of our term loans and working capital products are unsecured — no collateral required. Equipment financing uses the equipment as collateral. We always show you both secured and unsecured options.
Expert resources for American business owners
How to Refinance Business Debt (and When Not To)
Refinancing can lower your payments or simplify your finances, but it can also cost more in total. Here is how to check the numbers before you commit.
Financing Equipment and the Section 179 Deduction: What Owners Should Know
Buying equipment on financing can still qualify for a first-year tax deduction. Here is how Section 179 works, what its limits are and what to ask your CPA.
What Lenders Look For in Your Business Bank Statements
Your bank statements tell a lender more than a tax return can. Know what they check, and how to tidy up your account before you apply.
Personal Guarantees and UCC Liens: What You Are Signing
The two clauses that surprise business owners most. Know what a personal guarantee and a UCC lien actually put at risk before you sign.
Ready to Stop Getting
Rejected by Banks?
lendfloCapital gets American businesses funded — even when traditional lenders say no. Apply free in under 3 minutes.
$2M+
Maximum loan amount available
No obligation · No hard credit pull · Response in minutes
Get your funding options in under 3 minutes.
Tell us about your business and a dedicated lendfloCapital advisor will reach out within one business day with your best matched options. Free. No commitment.
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