Stop Waiting on Banks.
Get Funded Today.
Fast access to business capital with zero cost and zero guesswork. Term loans, equipment financing, and working capital — decisions in 24 hours. Serving businesses in Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin.
Get your funding options today.
A dedicated lendflo advisor reviews your file and matches you to the right lender — same business day. Free. No hard credit pull.
$500M+
Total Capital Deployed
40K+
American Businesses Funded
87%
Approval Rate
24–48hr
Avg. Decision Time
10
States Served
Trusted by businesses across Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana & Wisconsin
From first question to funded account — fast.
No paperwork mountains. No unanswered callbacks. A real advisor handles everything. Most businesses are funded in 3–5 business days. Serving TX, FL, GA, TN, NC, OH, PA, MI, IN & WI.
Tell Us About Your Business
Answer a few plain-English questions — industry, revenue, and how much you need. Takes under 3 minutes. No documents, no commitment, no hard credit pull.
Get Matched to the Right Lenders
Our system instantly filters 50+ lending solutions by credit profile, revenue, loan size, industry, and state. You see your best options in minutes — not days.
Get Funded Fast
A dedicated lendflo advisor walks you through matched offers, handles every document, and submits your application. Most businesses receive funds within 3–5 business days.
Every type of capital your business needs — one network.
From $5K working capital to $2M term loans. Serving TX, FL, GA, TN, NC, OH, PA, MI, IN & WI — same-day decisions, zero cost to apply.
Business Term Loans
$25K – $2M
Unsecured term loans with fixed monthly payments and 12–60 month terms. No collateral needed. Decisions in 24–48 hours. Trusted by 40K+ American businesses.
Equipment Financing
$10K – $500K
Finance trucks, machinery, kitchen equipment, medical devices, and more. Equipment is the collateral. Same-day decisions. 0% down available. 84-month terms.
Revenue-Based Financing
$5K – $250K
Working capital tied to your monthly revenue — not your credit score. Repayment flexes with your cash flow. Fast approvals for all industries.
Asset-Based Credit
$50K – $5M
Unlock capital against receivables, inventory, and business assets. Government-backed structures available for complex credit profiles.
Your industry. Your state. Our capital.
Restaurants in Miami. Contractors in Nashville. Manufacturers in Detroit. Medical practices in Columbus. lendflo funds businesses across 10 states and every major American industry.
Restaurants & Food Service
Kitchen equipment upgrades, new locations, seasonal working capital. We fund food service businesses across Texas, Florida, Georgia, and beyond — fast.
Construction & Trades
Heavy equipment, fleet vehicles, and project-based working capital for contractors and tradespeople across the Southeast and Midwest. Same-day decisions available.
Healthcare & Medical
Imaging equipment, clinic buildouts, practice acquisitions, and technology upgrades. Serving physicians, dentists, and healthcare operators across all 10 states.
Retail & eCommerce
Inventory financing, store expansions, POS upgrades, and fulfillment infrastructure. lendflo funds retail businesses at every stage across TX, FL, OH, MI, and more.
Manufacturing
Production machinery, facility expansions, and supply chain financing for manufacturers competing in today's aggressive market. No bank timelines.
Transportation & Logistics
Commercial truck financing, trailer fleets, warehouse buildouts, and operational capital. Serving logistics operators across Ohio, Michigan, Indiana, Tennessee, and beyond.
Banks weren't built for you.
lendflo was.
Speed. Approval rate. Advisor access. Transparency. Banks can't compete when you need capital in days — not months. Here's why 40,000+ American business owners chose lendflo.
Same-Day Decisions
Most applications receive a decision within 24 hours — not 6 weeks. Our lenders move as fast as your business demands.
Real Human Advisors
You get a dedicated lendflo advisor — not a chatbot, not a helpdesk ticket. A real person who understands your industry and fights for your best deal.
Zero Hidden Fees
Full transparency on every term, rate, and fee before you sign anything. What you see is exactly what you get — no closing surprises.
All Credit Profiles
Credit score from 500 to 800+? We have lenders for every profile. Revenue-based and asset-backed options for complex situations.
Speed Without Compromise
Faster than a bank doesn't mean riskier for you. Our underwriting is thorough — it's just not slow. Smart processes, faster funding.
10 States, Deep Expertise
We know the lending landscape in Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin. Regional nuances matter — our advisors know yours.
87%
Approval rate across our lender network
We exist because great businesses deserve capital — even when banks say no.
lendflo was built by financing professionals who watched viable American businesses get rejected by banks that didn't understand them. Too small. Too new. Too complex. Too much of an industry the underwriter had never funded.
Today we serve businesses in Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin — with a network of 50+ lending solutions and advisors who treat every application like it matters. Because it does.
Dedicated Advisors
Assigned to your deal
40K+ Businesses
Funded across the U.S.
10 States Served
TX · FL · GA · TN · NC · OH · PA · MI · IN · WI
American businesses. Real capital. Real growth.
From Texas contractors to Ohio manufacturers — lendflo gets businesses funded when banks say no.
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Construction Contractor · Dallas, TX
Any U.S.-registered business — LLC, S-corp, C-corp, sole proprietor, or franchise. We work with restaurants, contractors, retailers, medical practices, manufacturers, trucking companies, and more across Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin.
No. Our initial qualification check is a soft pull only — zero impact on your personal or business credit score. A hard pull only occurs if you proceed with a specific lender's formal application and you consent.
Most businesses receive a decision within 24 hours. Funding typically lands in your account within 3–5 business days. Equipment financing under $150K often gets same-day decisions with 24–48 hour funding.
We have lenders who evaluate businesses on revenue, cash flow, and time in business — not just credit score. Revenue-based financing and asset-backed options are available for challenged credit. A bank decline doesn't disqualify you.
Absolutely nothing. lendflo is 100% free for business owners. We earn a referral fee from lenders. You pay no extra fees — the rate and terms are identical to going direct.
Term loans: $25,000 to $2,000,000. Equipment financing: $10,000 to $500,000. Working capital: $5,000 to $250,000. The amount you qualify for depends on your revenue, time in business, and credit profile.
Most of our term loans and working capital products are unsecured — no collateral required. Equipment financing uses the equipment as collateral. We always show you both secured and unsecured options.
Expert resources for American business owners
How to Qualify for a Business Term Loan in the U.S.
Understanding what lenders actually look at when evaluating your application — and how to put your best foot forward — can be the difference between approval and rejection.
Equipment Financing vs. Leasing: Which Is Right for Your Business?
Both options have their advantages. We break down the key differences between financing and leasing so you can choose the structure that fits your goals and cash flow.
Cash Flow Management: A Practical Guide for Small Business Owners
Poor cash flow is the leading reason small businesses struggle — even profitable ones. Here are the strategies that keep your business running smoothly.
Free · Fast · No Hard Credit Pull
Ready to Stop Getting Rejected by Banks?
lendflo gets American businesses funded — even when traditional lenders say no. Serving Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin. Apply free in under 3 minutes.
Get your funding options in under 3 minutes.
Tell us about your business and a dedicated lendflo advisor will reach out within one business day with your best matched options. Free. No commitment.
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