★★★★★
"Franklin was amazing to work with! We needed working capital and he delivered in about two days. The process was quick and easy and he explained everything as we were going."
Stephanie H.2 weeks ago
● Your pre-qualified offer is ready
You're pre-qualified — let's get you funded.
Complete the short form to see your custom funding offer. Up to $1M. Funded in as little as 24 hours. No credit score impact.
Bank-level encryption
Instant decision
100% free
Funded in 24 hrs
Your data is safe.
256-bit encrypted. Soft credit check only — no impact to your score.
80+
Years of collective experience
25,000+
Small businesses funded
100%
Free quote
Your options
Pick the funding that fits your business.
Whichever product you pick, your dedicated advisor guides you through it.
Term Loan
The most traditional small business loan — lump sum, fixed rate, fixed timeline. Up to $1M.
Learn MoreBusiness Line of Credit
Revolving credit you can access whenever cash gets tight — pay only for what you use.
Learn MoreShort-Term Business Loan
Fast cash infusion for immediate needs — funded in as little as 24 hours.
Learn MoreWorking Capital Loan
Fill short-term financing needs — payroll, inventory, emergencies.
Learn MoreEquipment Financing
Finance the full amount on new or used equipment across every industry.
Learn MoreBusiness Cash Advance
Advance on future sales. Approvals based on revenue — high approval rates.
Learn More
Why small businesses choose LendCloud
Funding features the banks simply can't match.
LendCloud isn't a bank — we're a smarter, faster alternative. With 85+ lender partners competing for your business, you get better rates, faster decisions, and funding that actually fits.
No collateral required — ever.
Your business and personal assets stay yours. We finance you on the strength of your business, not what you can put up as security. Bad credit? Still OK — we work with a range of credit profiles.
Use the funds however you want.
Payroll, inventory, marketing, equipment, taxes, emergencies, expansion — zero restrictions. It's your capital. You decide how it moves your business forward.
Funded in as little as 24 hours.
Most approved applicants see funds hit their account within 24–48 hours. We cut the red tape so you can get back to running the business.
Every industry
We fund every industry.
From restaurants to retail, construction to healthcare — we've funded it.
Three steps
From application to funded.
Step 01
Apply in 30 seconds
Tell us about your business in a short online form. Zero cost, zero obligations, and applying won't touch your credit.
- 100% free, no upfront cost
- Soft credit check only
- Minimal paperwork
Step 02
Compare your offers
A dedicated funding advisor reviews options from our 85+ competing lenders and walks you through the best fit — in plain English, zero pressure.
- 85+ competing lenders = better rates
- 8+ years of funding experience
- Same-day decisions for most applicants
Step 03
Get funded fast
Pick the offer you want, sign online, and watch the funds hit your business account — typically in 24 to 48 hours.
- Funds wired in as little as 24 hours
- Zero out-of-pocket fees
- Use the capital however you need
Your offer is waiting. Don't leave it on the table.
Free. Soft credit check only. Funded in 24–48 hours.
Real results
Real results from real small business owners.
Here's what they said after getting funded with LendCloud.
★★★★★
"I had a great experience with Johnny. The loan process was very fast, the money was in my account quickly. He was helpful, knowledgeable, and great at keeping in touch."
Trae T.A month ago
★★★★★
"Nick was very quick and responsive. He made sure I was able to fully understand the process. Once I submitted the correct documents, I was funded quickly."
Duane R.A month ago