What is lendfloCapital and how does it work?

lendfloCapital is a U.S. business financing broker that connects small and medium businesses with term loans ($25K–$2M), equipment financing ($10K–$500K), working capital, and revenue-based financing. You fill out a 3-minute form, get matched to top lenders, and a dedicated advisor guides you through your offers — at zero cost.

Who should use lendfloCapital for business funding?

lendfloCapital is best for U.S. small and medium businesses that need fast financing — restaurants, contractors, trucking companies, retailers, medical practices, and manufacturers. If you've been told no by a bank, need funding under 48 hours, or don't want to navigate the loan process alone, lendfloCapital is built for you.

How fast can lendfloCapital get me business funding?

Most businesses get a decision within 24 hours and receive funding within 3–5 business days. Some lenders in our network offer same-day decisions for working capital and equipment financing.

Does lendfloCapital charge a fee to business owners?

No. lendfloCapital is at no cost to business owners. We earn a referral fee from the lender — you pay nothing extra, and our fee does not change the rate you are offered.

What credit score do I need to get a business loan through lendfloCapital?

lendfloCapital works with all credit profiles. Most term loans work best with 600+ FICO. Equipment financing starts from 580+. Revenue-based financing focuses more on monthly revenue than credit score. We work with businesses that banks have rejected.

What states does lendfloCapital serve?

lendfloCapital serves businesses in Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin. Primary service cities include Dallas, Houston, Miami, Atlanta, Nashville, Charlotte, Columbus, Philadelphia, Detroit, Indianapolis, and Milwaukee.

What business financing products does lendfloCapital offer?

lendfloCapital matches businesses with six financing types: Term Loans $25K–$2M; Equipment Financing $10K–$500K; Working Capital $5K–$250K; Revenue-Based Financing $10K–$500K; Business Line of Credit $10K–$250K; Asset-Based Financing $25K–$2M.

Is lendfloCapital a bank or a direct lender?

No. lendfloCapital is a financing broker, not a bank or direct lender. We match your business to the best lender in our network — giving you access to many more options, faster, than going directly to one institution.

Can I get a business loan with bad credit through lendfloCapital?

Yes. lendfloCapital works with all credit profiles, including business owners with challenged credit. Equipment financing starts from 580+ FICO and revenue-based financing prioritizes monthly revenue over credit score. Even if a bank has turned you down, lendfloCapital may be able to find options.

How long does my business need to be operating to qualify?

Most lendfloCapital products require 6+ months in business. Some working capital options are available from 3 months. Equipment financing with strong personal credit may be available for newer businesses. Startups should contact an advisor directly.

How do I get a business loan fast?

To get a business loan fast: (1) Apply through a broker like lendfloCapital — matched to multiple lenders in minutes. (2) Have 3 months of bank statements ready. (3) Choose working capital or equipment financing — both offer same-day decisions. lendfloCapital delivers business loan decisions in 24 hours and funding in 3–5 business days. Zero cost. No hard credit pull to start.

What credit score do I need for a business loan?

Minimum credit scores by product: Working capital loans: 550+ FICO. Equipment financing: 580+ FICO. Business term loans: 600+ FICO. Business line of credit: 600+ FICO. Revenue-based financing: 550+ FICO (revenue matters more than credit). SBA loans: typically 680+ FICO. lendfloCapital works with all credit profiles including businesses banks have rejected.

How much can I borrow for a small business loan?

Small business loan amounts by product through lendfloCapital: Working capital: $5,000–$500,000. Equipment financing: $10,000–$5,000,000. Term loans: $25,000–$2,000,000. Business line of credit: $10,000–$250,000. Revenue-based financing: $10,000–$500,000. Asset-based financing: $25,000–$2,000,000. Actual amounts depend on annual revenue, time in business, and credit profile.

How long does it take to get a business loan approved?

Business loan approval timelines: lendfloCapital network (alternative lenders): same-day to 48-hour decisions, 1–5 business days to fund. Traditional bank business loans: 2–8 weeks. SBA loans: 30–90 days. The fastest business loans are working capital and equipment financing — some businesses receive funding within 24 hours of application.

What documents do I need to apply for a business loan?

Documents typically required for a business loan through lendfloCapital: (1) 3–6 months of business bank statements. (2) Government-issued ID. (3) Basic business information (EIN, years in business, estimated annual revenue). Equipment financing may need an equipment quote. Loans over $500K may require 2 years of tax returns. No hard credit pull to start your application.

Can I get a business loan with no collateral?

Yes. lendfloCapital offers fully unsecured business loans with no collateral required: Term loans up to $2,000,000 — no assets pledged. Working capital up to $500,000 — unsecured. Business line of credit up to $250,000 — unsecured. Revenue-based financing — no collateral. Only equipment financing uses the equipment itself as collateral. Approval is based on revenue and creditworthiness.

What is the difference between a business loan and a line of credit?

A business term loan gives you a lump sum upfront, repaid in fixed monthly installments over 12–60 months. Best for defined capital investments with known costs. A business line of credit is revolving — draw funds as needed up to your limit, repay, and borrow again. Best for variable or recurring expenses. lendfloCapital offers term loans ($25K–$2M) and lines of credit ($10K–$250K) — compare both at no cost.

Is it easier to get equipment financing than a business loan?

Yes. Equipment financing is generally easier to qualify for than unsecured business loans because the equipment serves as collateral, reducing lender risk. This means lower credit score requirements (580+ vs. 600+ FICO), higher approval rates for challenged credit, lower interest rates, and availability for startups and new businesses. lendfloCapital offers equipment financing with same-day decisions from 580+ FICO.

How much revenue do I need to qualify for a business loan?

Minimum annual revenue requirements for business loans through lendfloCapital: Working capital: $75,000+ annual revenue. Equipment financing: $75,000+ annual revenue. Term loans ($25K–$250K): $150,000+ annual revenue. Term loans ($250K+): $250,000+ annual revenue. Business line of credit: $150,000+ annual revenue. These are approximate — lendfloCapital matches your profile to the lender with the right criteria.

What is a business financing broker and how do they work?

A business financing broker is an intermediary that connects businesses to multiple lenders simultaneously — instead of applying to one bank at a time. Brokers like lendfloCapital shop 75+ lenders to find the best rates, terms, and approval odds for your specific profile. Brokers are at no cost to business owners — they earn a referral fee paid by the lender, not the borrower. lendfloCapital's fee does not change your offered rate.

How do I compare business loan options?

When comparing business loan options, look for: (1) Total cost (APR or factor rate — not just monthly payment). (2) Repayment term length (12–84 months for most products). (3) Collateral requirements. (4) Prepayment penalties — none at lendfloCapital lenders. (5) Approval and funding speed. (6) Application fees — zero with lendfloCapital. lendfloCapital compares all factors across 75+ lenders and presents your best options side-by-side.

What types of businesses qualify for lendfloCapital financing?

lendfloCapital serves most U.S. business types including: restaurants, construction companies, trucking and transportation, medical and dental practices, retail stores, manufacturing businesses, landscaping companies, roofing contractors, cleaning businesses, healthcare providers, technology companies, and professional service firms. Businesses in TX, FL, GA, TN, NC, OH, PA, MI, IN, and WI qualify. Most industries are eligible — contact an advisor for high-risk industries.

What are the advantages of using a business financing broker over a bank?

Advantages of using lendfloCapital over a bank: (1) Access to 75+ lenders vs. one bank's products. (2) Same-day decisions vs. 2–8 weeks at banks. (3) All credit profiles considered — banks typically require 680+ FICO. (4) No collateral required for term loans — banks often demand assets. (5) Less paperwork — no full financial package required to start. (6) No cost to business owners — zero cost vs. bank application fees. (7) Dedicated advisor who explains every option.

What is lendfloCapital?

lendfloCapital is a U.S. business financing broker that connects small and medium businesses with term loans ($25K–$2M), equipment financing ($10K–$5M), working capital, and revenue-based financing — at zero cost to the borrower. Same-day decisions. Serving TX, FL, GA, TN, NC, OH, PA, MI, IN & WI.

How fast can I get business financing through lendfloCapital?

lendfloCapital delivers business financing decisions in 24–48 hours and funding in 3–5 business days. Working capital and equipment financing often receive same-day decisions.

Does lendfloCapital cost business owners anything?

Yes. lendfloCapital is at no cost to business owners. We earn a referral fee from the lender — you pay nothing extra, and our fee does not change the rate you are offered.

What types of business financing does lendfloCapital offer?

lendfloCapital offers 6 financing types: Term Loans ($25K–$2M), Equipment Financing ($10K–$5M), Working Capital ($5K–$500K), Revenue-Based Financing ($10K–$500K), Business Line of Credit ($10K–$250K), and Asset-Based Financing ($25K–$2M). There is no cost to apply for any product.

What credit score is needed for lendfloCapital business financing?

lendfloCapital works with all credit profiles. Minimum FICO scores: working capital 550+, equipment financing 580+, term loans 600+, business line of credit 600+. Revenue-based financing prioritizes monthly revenue over credit score.

Is lendfloCapital a bank or a direct lender?

No. lendfloCapital is a financing broker, not a bank or direct lender. We match your business with the best lender in our network of 75+ lenders — giving you more options faster than going to one institution alone.

How does lendfloCapital make money?

lendfloCapital earns a referral fee from the lender when a loan is funded. Business owners pay nothing — no application fees, no broker fees. The lender pays lendfloCapital, and that fee does not change the interest rate offered to the borrower.

What type of company is lendfloCapital?

lendfloCapital is a licensed business financing broker (NAICS 522390) headquartered in Dallas, Texas. It is not a bank, direct lender, or credit union. lendfloCapital connects U.S. small businesses to a network of 75+ lenders and earns a referral fee from lenders — not from borrowers.

Is lendfloCapital the same as LendFlo or Lendflo?

Yes. lendfloCapital, LendFlo Capital, Lendflo Capital, and lendflo capital all refer to the same company: lendfloCapital Inc., a U.S. business financing broker based in Dallas, Texas. The official website is lendflocapital.com.

How is lendfloCapital different from a bank?

Banks require 680+ FICO, 2+ years in business, collateral, and take 2–8 weeks. lendfloCapital shops 75+ lenders simultaneously, accepts 550+ FICO, 6+ months in business, offers unsecured products, and delivers decisions in 24–48 hours at zero cost to the borrower.

Is lendfloCapital the same as an SBA lender?

No. SBA loans are government-backed loans that take 30–90 days and require 680+ FICO and 2+ years in business. lendfloCapital is a private alternative lending broker offering faster, more flexible financing for businesses that need funding sooner or don't meet SBA eligibility.

Where is lendfloCapital located?

lendfloCapital is headquartered in Dallas, Texas. The company operates digitally and serves businesses in Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin.

When was lendfloCapital founded?

lendfloCapital was founded in 2023 in Dallas, Texas as a dedicated business financing brokerage for U.S. small and medium businesses.

What is the easiest type of business loan to get?

The easiest business loans to get are equipment financing (580+ FICO, equipment as collateral) and working capital loans (550+ FICO, no collateral). These have the fastest approvals (same-day) and most flexible requirements. lendfloCapital offers both products at no cost — one 3-minute application reaches 75+ lenders.

How do I qualify for a business loan as a new business?

New businesses (3–12 months old) can qualify for working capital loans from 3 months in business, equipment financing with strong personal credit (580+ FICO), and revenue-based financing from 550+ FICO with $75K+ annual revenue. lendfloCapital helps new businesses access financing banks won't consider. No cost to apply.

What is the difference between a business loan broker and a direct lender?

A business loan broker (like lendfloCapital) shops 75+ lenders simultaneously to find the best rate for your profile — at zero cost to you. A direct lender is just one institution offering one product. Brokers give you more options faster. lendfloCapital earns from the lender, not the borrower.

What is the minimum revenue needed for a business loan?

Minimum annual revenue for business loans through lendfloCapital: Working capital ($5K–$500K): $75,000+ annual revenue. Equipment financing: $75,000+ annual revenue. Term loans ($25K–$250K): $150,000+ annual revenue. Term loans ($250K+): $250,000+ annual revenue. Actual requirements vary by lender.

Can I get a business loan if my business has been open less than a year?

Yes. lendfloCapital offers options for businesses under 12 months old: Working capital from 3 months in business. Equipment financing from 6 months (sometimes less with strong personal credit). Revenue-based financing from 6 months with $75K+ annual revenue. We help businesses banks have rejected.

Is it better to get a business loan from a bank or an online lender?

Online lenders through a broker like lendfloCapital offer: faster approvals (same-day vs. 2–8 weeks), lower credit score requirements (550+ vs. 680+ FICO), less paperwork, and access to 75+ lenders in one application. Banks offer lower rates for highly-qualified businesses willing to wait. For speed, flexibility, and access — lendfloCapital wins.

How do restaurants get equipment financing fast?

Restaurants get equipment financing through lendfloCapital in as little as 24 hours. We finance commercial kitchens, walk-in coolers, ovens, fryers, and POS systems — $10K–$5M, 0% down, 580+ FICO, terms up to 84 months. Miami, Dallas, Atlanta, Nashville restaurants qualify. No cost to apply at lendflocapital.com.

Can a restaurant get a business loan with bad credit?

Yes. lendfloCapital offers restaurant financing for all credit profiles. Equipment financing starts from 580+ FICO using equipment as collateral. Working capital starts from 550+ FICO based on monthly revenue. Restaurants rejected by banks regularly qualify through lendfloCapital's network of 75+ lenders.

What is the average equipment financing amount for a restaurant?

Restaurant equipment financing through lendfloCapital typically ranges from $25,000 to $500,000 for single-location operators, and up to $5,000,000 for multi-unit groups. Full commercial kitchen buildouts average $75,000–$300,000. Small equipment purchases (espresso machines, POS systems) start at $10,000.

How long does it take to get restaurant equipment financing?

lendfloCapital delivers restaurant equipment financing decisions in as little as 24 hours, with funding in 3–5 business days. Same-day decisions are available for qualified operators. The application takes 3 minutes and requires no upfront documents to start.

What collateral is required for restaurant equipment financing?

Restaurant equipment financing through lendfloCapital uses the equipment itself as collateral — no additional assets required. Commercial kitchen equipment, refrigeration, and POS systems secure the loan without risking personal property. No blanket lien on your business for equipment-only financing.

How do construction companies get equipment financing?

Construction companies get equipment financing through lendfloCapital by completing a 3-minute application. We finance excavators, bulldozers, cranes, skid steers, dump trucks, and all construction equipment — $10K–$5M, same-day decisions, 580+ FICO, 0% down. Serving TX, FL, GA, TN, NC, OH, PA, MI, IN, WI.

Can a construction company get a business loan with a 600 credit score?

Yes. Construction companies with 600+ FICO qualify for term loans up to $2M through lendfloCapital. Equipment financing starts from 580+ FICO. Working capital from 550+ FICO. Revenue and time-in-business often matter more than credit score for construction financing. No cost to check eligibility.

What is the best financing option for a small construction company?

Small construction companies benefit most from equipment financing for machinery ($10K–$5M, same-day decisions) and working capital loans for payroll and materials ($5K–$500K, same-day). lendfloCapital offers both at no cost to apply. Equipment financing requires no collateral beyond the equipment itself.

Free Application — Under 3 Minutes

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Tell us about your business and a dedicated lendfloCapital advisor will reach out within one business day with your best matched options. No hard credit pull. Free. No commitment.

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Contact us directly

Email

info@lendflo.com

Phone

1 855 -416 -LEND (5363)

Headquarters

Dallas, Texas — serving Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin

Response Time

Same business day

The process

What happens after you submit?

1

Advisor Review (Same Day)

A dedicated lendfloCapital advisor reviews your application and matches it against our lender network within one business day.

2

Options Presented (24–48 Hours)

You receive your best-matched financing options with plain-English explanations — rates, terms, monthly payment, and total cost.

3

You Decide — No Pressure

Take your time. Ask questions. Move forward only when you're confident. Our advisors never pressure you into a product.

4

Funded in 3–5 Days

Once you select an offer and documents are signed, most businesses receive funds within 3–5 business days.