Business Funding
Whether you need working capital, equipment financing, or expansion funds — we match you with lenders who specialize in business lending. Fast decisions, competitive rates.
Check My Business Funding OptionsBusiness funding covers a wide range of products — from short-term merchant cash advances and lines of credit to SBA loans and equipment financing. Lendspedia matches your business profile to the lender and product type that fits your situation, not the other way around.
Multiple Products
We match you to the right product type — not just any lender willing to take your application.
Requirements vary by product type, but here's what most business lenders look for.
Most lenders require at least 6 months of operating history. Startups may qualify through SBA microloan programs or alternative lenders.
Many lenders want to see $5,000–$10,000+ in monthly revenue. Higher revenue unlocks better rates and higher limits.
Some alternative lenders work with scores as low as 550. SBA and bank loans generally require 650+. We match you to options based on your actual score.
We do the lender shopping so you can focus on running your business.
Banks, credit unions, online lenders, and SBA partners — all accessible through a single 3-minute assessment.
Many of our business lending partners can provide same-day or next-day decisions — ideal for businesses that can't wait weeks for bank approval.
Lendspedia is free. We never charge application fees, and our lender partners compete for your business — keeping costs down.
Whether you're a startup, growing SMB, or established company, our network includes lenders for every business stage and funding need.
From your first question to a lender call — in minutes.
Business type, monthly revenue, time in operation, and intended use of funds — takes about 3 minutes.
Our engine finds lenders from our verified network who specialize in your industry, revenue range, and funding type.
Compare terms side by side and choose the offer that fits your cash flow and growth timeline.
"Got matched with an SBA lender within hours. Had $150K approved in two weeks — faster than any bank I'd tried on my own."
"My credit wasn't perfect but Lendspedia still found me a working capital line at a reasonable rate. Game changer for my seasonal business."
"Equipment financing in 48 hours. I was able to buy the machinery I needed and land two new contracts that paid for the loan in 3 months."
We match for SBA loans (7a, 504, microloans), business lines of credit, merchant cash advances, equipment financing, invoice factoring, and term loans.
It depends on the product. SBA and bank loans may require collateral. Many online lenders offer unsecured options for businesses with strong revenue history.
Alternative lenders and MCAs can fund in 24–72 hours. SBA loans typically take 2–8 weeks. Your matched lender will provide a specific timeline.
Lendspedia uses a soft pull only — no score impact. A hard inquiry only happens when you formally apply with a lender, which you control.
Yes, though options are more limited. SBA microloans, community development loans, and some alternative lenders work with newer businesses. We'll match you to what's available for your stage.
Complete the 3-minute assessment and get matched with business lenders competing for your deal — no obligation, no credit impact.