Business funding marketplace
Fuel your next big move. Funded on your terms.
One application puts your business in front of multiple funders. Compare merchant cash advances, working capital, lines of credit and term loans side by side, with every dollar of payback spelled out.
- Same-day decisions
- Up to $500K
- No hidden fees
- Bad credit considered
*Rates starting at 10% are available to the most qualified applicants on select products. Your rate depends on your business's revenue, time in business, credit profile, and the product you choose.
How Lenderfy works
Stop guessing which funder will say yes.
Most owners apply to one funder, take the first offer, and find out the real cost later. We flip that.
- Apply once. A short application and four months of bank statements.
- We shop your file. Your deal goes to the funders in our network most likely to approve your industry, revenue and credit profile.
- Compare in plain numbers. Amount, factor rate or APR, total payback, remittance and early-payoff terms, side by side.
- Grow into cheaper money. As your profile improves, we help you graduate to lines of credit, term loans and SBA.
Illustrative example only. Actual offers depend on underwriting.
Funding options
The right capital for the job.
Merchant Cash Advance
Sell a slice of future sales for capital today. Approval is based on revenue, not your credit score.
$5,000 – $500,000 · Learn more →Working Capital Advance
Perfect for inventory and payroll gaps, with a fixed cost and a clear timeline.
$5,000 – $500,000 · Learn more →Business Line of Credit
Draw what you need, when you need it. Only pay for funds you use.
$10,000 – $250,000 · Learn more →Small Business Term Loan
Fixed-rate financing with predictable monthly payments for growth.
$25,000 – $500,000 · Learn more →Revenue-Based Financing
Flexible repayment that scales with your business revenue.
$10,000 – $2,000,000 · Learn more →Invoice Factoring
Convert unpaid invoices into quick cash without new debt.
80% – 95% · Learn more →Equipment Financing
Upgrade or replace mission-critical gear with competitive terms.
$10,000 – $1,000,000+ · Learn more →Bridge Loan
Short-term financing to bridge cash flow gaps and opportunities.
$50,000 – $5,000,000 · Learn more →SBA Loan
Government-backed financing with favorable terms and rates.
$50,000 – $5,000,000 · Learn more →Lenderfy Stack™ Credit Booster
Credit improvement program built to unlock better rates on your next round.
3 – 12 months · Learn more →Ranges are representative. Actual amounts, rates and terms depend on underwriting by the funding provider.
The MCA space, explained
Merchant cash advances move fast. Know what you're signing.
A merchant cash advance can put capital in your account in a day or two, even with imperfect credit. It is also one of the most misunderstood products in small business finance. Factor rates aren't interest rates. Daily remittances add up. Stacking a second or third position can squeeze cash flow hard.
Our advisors walk you through the total payback, the daily or weekly hit to your account, and what happens if sales slow down, before you sign. If an MCA isn't the right fit, we'll tell you.
Simple process
From application to funded in four steps.
Apply online
A 10-minute application with your business details and bank statements.
~10 minutesQuick review
We review your file and send it to the funders most likely to approve it.
2–4 hoursCompare offers
See every offer with total payback and remittance spelled out. No hidden fees.
Often same dayGet funded
Sign electronically and funds go straight to your business bank account.
24–48 hoursFunding by industry
Built around how your business gets paid.
Is Lenderfy Capital a direct lender?
No. Lenderfy Capital is a business funding marketplace. We take one application, shop it across our network of funding partners, and help you compare the offers that come back. You choose whether to accept any of them.
What do I need to apply?
Basic business and owner information, your EIN, and your last four months of business bank statements. Most applications take about 10 minutes.
How fast can I get funded?
Many merchant cash advance and working capital files receive a same-day decision and funding shortly after the agreement is signed. SBA and larger term loans take longer. Timing always depends on the funder and how complete your file is.
Will applying hurt my credit?
Getting started does not require a hard credit pull. Some funders run a credit check before issuing a final approval, and we will tell you before that happens.
Can I qualify with bad credit?
Often, yes. Revenue-based products like merchant cash advances weigh your bank deposits and cash flow more heavily than your credit score. Strong, consistent deposits matter most.
What is the difference between a merchant cash advance and a loan?
A loan charges interest on borrowed money. A merchant cash advance is the purchase of a portion of your future receivables at a fixed price, collected as a set daily or weekly remittance. MCAs are faster and easier to qualify for, and usually cost more.
Ready to compare real offers?
One application. Multiple funders. Clear payback numbers before you sign anything.