LendWorks Connect — One application. Every lender worth your time.

One application matches you with the business lenders most likely to fund you — first term sheet in about 23 hours. No hard credit pull, no obligation, free.

How LendWorks Connect works

  1. Apply: A short application with your bank connections and two years of financials — about twelve minutes, and no hard credit pull.
  2. We grade & package: Our underwriting engine reads your cash flow, tax posture, and industry cycle, then builds your diligence book to the format lenders actually want.
  3. Lenders compete: We distribute your file to the lenders whose mandate matches your profile. First term sheets return in about 24 hours; the full spread lands inside 48.
  4. You choose: Compare offers side by side on one page. Accept the one you want — you keep the lender relationship.

Business funding products

  • Merchant Cash Advance — A merchant cash advance delivers a lump-sum advance against your future credit card or daily revenue, repaid as a fixed percentage of daily sales. ($5,000 – $500,000)
  • SBA Loan — SBA 7(a) and 504 loans are government-backed programs offering some of the lowest rates and longest terms available for qualifying small businesses. ($50,000 – $5,000,000)
  • Business Term Loan — A business term loan delivers a fixed lump sum repaid over a set schedule with predictable monthly payments — the classic business funding structure. ($25,000 – $2,000,000)
  • Business Line of Credit — A revolving business line of credit lets you draw funds as needed up to a set limit and only pay interest on what you use. ($10,000 – $500,000)
  • Equipment Financing — Equipment financing uses the purchased equipment as collateral, making it one of the most accessible forms of business funding for asset-heavy industries. ($5,000 – $5,000,000)
  • Invoice Factoring — Invoice factoring converts outstanding B2B invoices into immediate working capital — the factor advances a percentage and collects from your customers. ($10,000 – $5,000,000)
  • Commercial Real Estate Loan — Commercial real estate loans finance the purchase, renovation, or refinance of income-producing or owner-occupied commercial property. ($250,000 – $25,000,000)
  • Bridge Loan — A bridge loan provides short-term capital to bridge a gap between an immediate need and longer-term financing — often used in real estate and acquisitions. ($100,000 – $10,000,000)
  • Revenue-Based Financing — Revenue-based financing provides capital in exchange for a fixed percentage of future monthly revenue until a set repayment cap is reached. ($25,000 – $1,000,000)
  • Working Capital Loan — A working capital loan covers day-to-day operational expenses — payroll, rent, supplies — giving businesses the cash flow cushion they need to operate smoothly. ($10,000 – $500,000)
  • Startup Business Funding — Startup funding covers the earliest-stage capital needs — equipment, SBA microloans, and founder-backed lines of credit — for businesses with limited or no operating history. ($5,000 – $500,000)

Explore funding by state and industry

Frequently asked questions

Is Connect a broker?

No. We're your underwriting engine. We grade your business against thousands of funded comparables — reading cash flow, tax posture, industry cycle — then distribute a proven-fit package to the lenders who will actually bid. We're paid by the lender on funding, never by you.

Does applying hurt my credit?

No. We use a soft pull for pre-qualification. A hard pull only happens after you accept an offer and the chosen lender underwrites.

How long does funding take?

Median time to first term sheet is 23.2 hours, with the full spread of offers inside 48. From accepted offer to funded: typically 10–14 business days, depending on facility type.

What size businesses do you work with?

$500K in annual revenue at minimum. We've funded companies from $500K to $400M. Sweet spot is $2M–$50M revenue.

Do I keep the lender relationship?

Yes. Once funded, you work directly with your lender. We stay available for questions or your next facility.

What if no lender wants to fund me?

We'll tell you honestly, with specifics on what to fix, and you pay nothing. No ghosting.