Term Loan
One lump sum at a fixed rate, with a payment that does not move for up to three years.
- Amount
- $20,000 – $1,000,000
- Term
- Up to 36 months
- Cost
- Starting at 5.5%
- Funded in
- 1–2 days
Funding for U.S. small businesses
Small business funding,up to $1M.
LendCloud is not a bank and does not lend. It puts one short application in front of 85+ lending partners, then a funding specialist reads what comes back with you and says which offer is actually worth taking.
- No fee to apply
- Soft credit check only
- $5,000 to $1,000,000
- Funded in 24–48 hours
Apply now — it's free (844) 333-5002
Monday to Friday, 9am – 6pm PT
Funded in 24 hrsTypical turnaround after approval
85+lending partners
25,000+businesses funded
80+ yrscombined experience on the desk
24–48 hrsfrom signature to funds
Small business funding, reimagined
The fastest, most flexible funding on the market.
Skip the bank and skip the paperwork. One short application reaches the whole network at once, so the offers come back together and can be read against each other rather than accepted one at a time.
Why business owners choose LendCloud
Funding features the banks simply can't match.
These are the network's totals rather than this office's. Applications from LendCloud go to the same lending partners as applications from the other brands that use it, and the figure below is what that network has funded in all.
How much can a business get?
Between $5,000 and $1,000,000, depending on which program fits and what the business turns over. Four of the six reach $1M; the advance stops at $500,000 and equipment financing at $250,000.
How quickly does the money arrive?
One to two days for most of the six once an offer is accepted; the cash advance is 24 to 48 hours. Nothing here funds in an hour, whatever the industry advertises.
What do I need to apply?
Basic information about the business. No documents are needed to start and no tax returns are required; bank statements are asked for once there is an offer to look at.
Will applying hurt my credit score?
No. The application is a soft credit check and leaves no mark. A hard inquiry only happens if you decide to proceed with a lender.
Do I qualify?
Most businesses trading six months or more with consistent monthly deposits will get offers. Credit is looked at and is not the deciding factor — the cash advance in particular is decided on takings rather than on a credit file.
Am I obliged to accept anything?
No. The offers are yours to read and refuse, and nothing is owed if you refuse all of them.
What happens after you apply
From application to funded — in three simple steps.
About two minutes. Free. No hit to your credit to apply.
Step 01
You apply
About two minutes online with the basics about the business. No fee, no documents to start, and a soft credit check that leaves the owner's score where it is.
Step 02
Eighty-five lenders see it at once
One application goes out to the whole network rather than to one bank at a time, so the offers come back together and can be read against each other instead of accepted one by one.
Step 03
A specialist reads them with you
Someone whose job is reading these goes through what came back — what each costs, how each is repaid, and which ones you should refuse. Then you choose, or you do not.
Financing
The six programs
Every figure LendCloud publishes about what it arranges. Costs are where each program starts; where a business lands inside them is the lender's decision once the application has been read.
Business Line of Credit
An approved limit that costs nothing until the day you draw on it.
- Amount
- Up to $1,000,000
- Term
- 6 months – 3 years
- Cost
- Starting at 4.5%
- Funded in
- 1–2 days
Short-Term Business Loan
A term loan with a shorter life, for the thing that will not wait for a bank.
- Amount
- $10,000 – $1,000,000
- Term
- Up to 24 months
- Cost
- Beginning at 6%
- Funded in
- 1–2 days
Working Capital Loan
For payroll, rent, stock, and the stretch between the work and the payment.
- Amount
- Up to $1,000,000
- Term
- Daily or weekly ACH
- Cost
- Starting at 4.5%
- Funded in
- 1–2 days
Equipment Financing
For the machines, vehicles and systems a business runs on — and the one program here that is normally secured.
- Amount
- Up to $250,000
- Term
- 1 – 5 years
- Cost
- As low as 8%
- Funded in
- Monthly repayment
Business Cash Advance
An advance against future receivables, repaid as a share of what comes in. The dearest money here.
- Amount
- $5,000 – $500,000
- Term
- Daily or weekly ACH
- Cost
- 10% – 35% factor
- Funded in
- 24–48 hours
The cash advance is priced as a factor rather than as interest, and the two do not compare. A factor of 10% on $100,000 is $110,000 to repay whether it clears in six months or eighteen — paying it off early does not make it cheaper. Interest does fall when the balance does.
Said plainly
What this is, stated plainly.
- LendCloud is not the lender
- It arranges the funding and is paid by the lender on a completed deal. The amount, the rate, the term and the decision all belong to whichever lender you accept.
- Five of the six need no collateral
- Equipment financing is the exception: it is normally secured on the equipment it pays for, which is also why it is the cheapest rate here. Ask what the security is before you sign it.
- Applying does not mark your credit
- The application is a soft credit check. A hard inquiry happens later, with your agreement, and only if you proceed with a particular lender.
- The costs above are floors
- They are where each program starts. What a business is actually offered depends on its revenue, how long it has traded and its credit profile.
- Nothing is payable to us
- No application fee, no upfront cost, and nothing owed if every offer is refused.
The application
Apply
About two minutes, no fee, no obligation, and no mark on the owner's credit score for asking.
Rather talk to somebody first? (844) 333-5002, Monday to Friday, 9am – 6pm PT.