How Our Business funds Work


Apply in Minutes

Fill out our quick online application in minutes to check eligibility for funding upto $5,000,000. We'll ask for information like your time in business, annual gross revenue and purpose for funds. We take a holistic view of your business and evaluate your application differently than a bank would.


Review & Accept Your Offer

Our team will review the information you have provided. A Funding Advisor will reach out to you to complete your application & discuss your funding options. Generally, most inquiries get approved within a matter of hours.


Get Funded

Once you and your Funding Advisor determine what funding option works for your business, your funds can be approved and deposited within 24 hours. Payments will be automatically deducted from your business’s daily or weekly debit and credit card sales. Payment amounts will be based on your sales.

Business Funding Qualifications

Time in Business

You must have been in business for at least four months.

Annual Revenue

Your business must have a revenue of $50,000 or greater.

Business Location

Check our Rates & Terms to see if we serve your state.

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Common Questions About Lendwise Capital Business funds

How will my application be evaluated?

We understand that your credit score isn't necessarily representative of the health of your small business. That's why we take a holistic view of your business, evaluating your application differently than a bank would. We incorporate a variety of factors into our decision model to determine your eligibility and credit limit.

What are the rates and terms?

The interest rate and credit limit you are awarded may vary based on the information provided in your application. Interest does not compound and there is no annual or monthly service fee. You can repay your outstanding balance at any time without incurring any additional fee. Check out our Rates & Terms for all the details.

Merchant Cash Advanced Funding


Stock up on products before your business's busy season or order discounted bulk purchases.

Cash Flow

Use a small business funding to maintain cash flow, helping to keep your business running smoothly.


Cover the cost of repairs or fund the purchase of vital machinery.

Hiring Staff

If business picks up and you're short-staffed, use your working capital to bring on part-time workers.


Draw on additional capital for funding marketing campaigns that will boost business.

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Have any question?

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