Questions, answered straight.

Lendwise is a New York–based finance company that provides working capital, merchant cash advance, PO finance, and invoice factoring to U.S. small and mid-sized businesses. We're underwriters and operators — not a marketplace.

Small business term loans, merchant cash advance (MCA), purchase order finance, and invoice factoring. We'll help you pick the right one for the situation — and stack products when it makes sense.

We look at the whole business — time in operation, revenue, cash flow patterns, and the strength of your customers. Most deals require at least a few months of operating history. We don't have a strict credit-score floor; we underwrite the business.

The online application is about five minutes. For most products, you'll have a decision the same day and funds in your account within one to two business days.

No. Pay off any product early and you save on remaining interest or fees. We don't believe in penalizing customers for handling their business responsibly.

Pricing depends on the product, your business, and the deal. The calculators on each solution page give you a realistic estimate. There are no application or origination fees just to talk to us.

A term loan is a fixed-amount, fixed-schedule loan with an interest rate and a defined end date. A merchant cash advance is the purchase of future revenue at a discount — repaid as a small share of daily or weekly deposits. Term loans are better when you want certainty; MCAs are better when revenue is variable.

Monthly, weekly, or daily. We'll match the cadence to your cash flow.

No. Interest on Lendwise term loans is simple, not compounding. MCAs use a fixed factor rate — also non-compounding.

No artificial cap. We size each deal to what the business can actually support.

We do — directly. You never touch the funds, which is what most suppliers want to see and what protects everyone involved.

Yes. We pay overseas suppliers via wire or letter of credit and have done deals into Asia, Europe, and Latin America.

Government POs are a great fit — strong credit, slow pay. We've funded federal, state, and municipal deals.

No. It's the sale of an asset — your invoice. No debt on your balance sheet, no payments out of your pocket; your customer pays Lendwise directly.

Yes — your customer is notified that the receivable has been assigned and remits to us. This is standard practice for B2B customers.

No. Factor selectively — by invoice, by customer, or in batches. It's a tool, not a contract you have to keep feeding.