Why Small Business Loans Are an Important Funding Strategy
Access capital, keep ownership, build credit, and choose the product that matches your cash flow and goals. One application—multiple possibilities.
Products We Arrange
1) Access to Capital
- Starting a Business: Cover equipment, inventory, marketing, and opening expenses.
- Expansion: Enter new markets, open locations, launch products.
- Cash Flow Management: Smooth seasonality and slow periods.
2) Build Business Credit
Borrowing and repaying on time builds your business credit profile—unlocking better pricing and terms with lenders and suppliers.
3) Maintain Ownership
Loans let you retain control—unlike equity financing that dilutes your ownership and decision-making.
4) Tax Benefits
Interest on business loans is often tax-deductible. Consult your CPA for specifics.
ONE APPLICATION. MULTIPLE POSSIBILITIES.
- Upgrades: Hardware, software, office furniture
- Inventory: Ramp up stock and supplies
- Renovate or Relocate: Build-outs, moves, expansions
- Payroll & Taxes: Payroll, sales tax, federal tax dues
- Web: Revamp your website and online sales
- Debt: Pay off existing cash advances (with a plan)
Wide Range of Terms
Monthly terms 2–10 years. Fast funding: typically 5–7 business days.
Credit Building
Installment history builds business credit; pricing is based on cash flow and leverage.
Large Approvals
Loans up to $500,000 per location. Approval based on debt ratio & cash flow.
No Gotchas
No application fee. No additional collateral in many cases. No prepayment penalty on select programs.
Express Financing
Accelerated decisions for requests up to $75,000.
We Make It Easier
LCG connects you to a nationwide lender network and pairs tech with human underwriting to move fast.
Your Options as a Borrower — Pros & Cons
| Option | Pros | Cons |
|---|---|---|
| Credit Card | Instant access; rewards/cash back | High APR; easy to overuse; may hit personal credit |
| Investor (Equity) | No repayment; expertise/network | Dilution; loss of control; share profits |
| Equity Financing | No debt service | Ownership dilution; decision-making power shifts |
| Debt Financing (Loans/LOC) | Keep ownership; predictable payments | Repayment obligation; interest; possible collateral |
| Merchant Cash Advance (MCA) | Fast; revenue-based repayment | Higher overall cost; can strain cash flow |
| Private Bank Loan | Potentially strong terms | Strict criteria; slower; collateral often needed |
| SBA Loan | Lower rates; longer terms; guaranty | Complex file; longer process; tighter requirements |
Choosing the right path depends on stage, cash flow, leverage, asset type, and growth goals. We help you match structure to reality.
1) Instant Quote
Use our online calculator for a quick, no-obligation quote.
2) Apply Online
Complete the 5-minute application and upload docs.
3) Review Options
We present multiple offers and walk you through the trade-offs.
4) Get Funds
Capital can arrive in as little as 24 hours (product dependent).
HOW TO APPLY
- Online Application: Submit app, upload docs, authorize processing. We do soft-inquiry; hard inquiries may occur at final approval for certain products (e.g., Equipment Financing).
- Equipment Invoice/Quote (if applicable): Multiple vendors accepted; we can combine into one monthly payment. Bill-of-sale considered for some private sales.
- Bank Statements (3–4 months): Verify income and banking; confirm down payment ability if needed and set ACH autopay.
VENDOR PARTNERS — Grow with LCG
If you sell trucks, trailers, machinery, or medical equipment, partner with us to expand your approvals window and stop shopping deals.
- Review our credit guidelines to see how we underwrite.
- Download the equipment vendor package and enroll.
All your client needs is a simple application, equipment quote, and 3–4 months bank statements. We run a soft inquiry initially.
Business Loans for Startups
Credit requirements vary by loan type. Get your file lender-ready:
- Active business entity or valid business license
- Personal guarantees from all owners
- 650+ credit score target
- No bankruptcies in last 7 years; no unresolved tax liens
- No judgments or repossessions
- Sufficient net worth / liquidity
Pre-Revenue vs Post-Revenue
Pre-Revenue Startup: Limited options for working capital. Practical path: equipment loan or lease (lighter process than SBA). SBA may work with strong down payment, collateral, complete financials & projections.
Post-Revenue Startup: Once revenue starts, more doors open—term loans, MCA, equipment financing, and SBA (case-dependent).
Up to $1,000,000 — in as little as 24 hours
Get the cash you need, when you need it. Our experts guide you through the process and match you to lenders who fit your profile.
Ready to compare SBA vs Bank vs Term vs LOC? We’ll run the math and let the numbers decide.
ONE APPLICATION MULTIPLE POSSIBILITIES!
Upgrades
Upgrade Hardware/Software & Office Furniture
Inventory
Ramp up on Inventory or stock up on supplies
Renovate or Relocate
Renovate or relocate your business
Payroll
Payroll, Sales and Federal Tax Dues
Web
Revamp Company Website.
Debt
Pay Off existing Cash Advances
This is not a cash advance.
Wide Range of Terms
Monthly Term up to 10 years (2 – 10 yrs available)
Tax Deductable
Express Financing for Approvals Up to $75,000
Builds Credit
Builds business credit
Large Funding
Business Loans up to $500,000 per Location
Fast Funding
Funding in 5-7 business days
Large Approvals
Approval based on debt ratio and cash flow.
We make it easy to grow your business
No Application Fee
No Switching Processor
No Additional Collateral Required
No Prepayment penalty
Up to $1 million in as little as 24 hours
Our small business financing experts are available to guide you through the funding Process.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.