Smart capital for the businesses that move the world.
Term loans, merchant cash advance, PO finance, and invoice factoring — sized to your business, not a spreadsheet. No caps. No surprises. Real humans, fast answers.
Funding in three honest steps
We strip out the friction. You stay focused on running the business.
Apply in minutes
A short online application — no stacks of paperwork. We look at the whole business, not just a credit score.
Get a real offer
A human reviews your file and follows up with a tailored offer you can actually understand.
Funds in your account
Sign, submit a few statements, and we wire the capital straight to your business bank.
Capital that fits your model
Pick the product that matches how your business actually makes money.
Small Business Loans
Term loans and merchant cash advance with terms that flex to your cash flow.
PO Finance
Won a big order but can't front the supplier cost? We pay your supplier so you can deliver.
Invoice Factoring
Stop waiting 30, 60, 90 days for payment. Turn unpaid invoices into working capital today.
See your numbers in seconds
A real-time term-loan calculator with no caps on amount or term. Try it.
Better terms, fewer asterisks
| Lendwise Capital | Typical alternative lender | |
|---|---|---|
| Flexible terms | ✓ | Fixed buckets |
| Revolving credit | ✓ | One-time draw |
| Same-day funding | ✓ | 3–5 days |
| Prepayment benefit | ✓ Save on interest | No discount |
| Real human review | ✓ Underwriter on file | Algorithmic only |
Trusted by businesses across the country
What customers say
"Lendwise Capital has been an absolute lifesaver for my small business. They moved fast and treated me like a person, not a ticket."
"Their financing options are flexible and tailored to my business. The team is in our corner every step of the way."
"I'd been struggling to get a loan for months. Lendwise found me a structure that actually worked for our cash flow."
"Funded my equipment upgrade in 48 hours. Straightforward application, competitive rate, no nonsense."
"They helped me hit our expansion goals — the support and guidance was as valuable as the capital itself."
"Professional, responsive, and committed to making it work. I'd recommend them in a heartbeat."