95% Approval Rate for Business Loans up to $500K
Bad credit OK. No upfront fees. Decision in 60 seconds.
See If You Qualify →Why LendingWise Wins on Approval Rate
Proprietary Algorithm
Evaluates 200+ data points beyond credit score. Your full business picture matters.
Direct Lender
No middlemen. Faster decisions. Better rates. Direct relationship.
Relationship Based
Dedicated funding advisor. Not a ticket number. We grow with you.
Switching Is Simple
Already have funding? We can help you refinance or stack capital.
Check Rate
Soft pull, no impact
Compare
See savings side-by-side
Switch
We handle payoff
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Lower rate, better terms
Businesses That Switched to LendingWise
"Cut my rate from 28% to 9%. Saved $40K/year. Switch took 3 days."
"Refinanced my MCA. Monthly payment dropped from $12K to $4K. Game changer."
"Added $200K on top of existing loan. No prepayment penalty on the old one."
Frequently Asked Questions
Will checking my rate hurt my credit score?
No. We use a soft credit pull that doesn't affect your score. Hard pull only happens if you accept an offer.
What can I use the funds for?
Any business purpose — inventory, equipment, marketing, hiring, expansion, debt consolidation, working capital.
How fast can I get funded?
Most businesses see funds in their account within 24 hours of accepting an offer. Same-day possible for applications submitted before 12 PM ET.
Are there prepayment penalties?
Never. Pay off early anytime with zero penalties. You only pay interest for the time you have the money.
What if my credit isn't perfect?
We work with scores as low as 500. Our algorithm looks at your full business health, not just a number.
Ready to Fund Your Growth?
Join 400+ businesses that chose LendingWise Business Loans. No obligation to see your rate.
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