Because you need money to make money

Small Business Funding Up To $350,000

When you’re ready to request financing for your small business, we’ll help you try to find a reputable provider. Get started below.


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Fora Financial
Imperial Advance

How to Get Started

At Lendza, we guide you through the entire funding request process. Here is how it works:

Request Funding for Your Business

Whether you need money for emergency stock, renovations, employee paychecks, or other business-related expenses – we’ll guide you through the process. When you’re ready to request funding, we may help you find a reputable provider. Our platform is:

How Do I Get Small Business Funding?

The first step is figuring out which type of provider is right for your company. Lendza can help connect you with:


Locally owned banks are a helpful resource for businesses as they are sometimes interested in building the local economy. Banks typically have higher requirements and a longer application process, but they may provide larger-sum financing.


Online Lenders

There are many reasons why small businesses decide to borrow from an online lender. It can be faster in some cases, and online lenders may be a good fit for companies without collateral.


Types of Loans for Established Small Businesses

There are many different loan products available for small business owners to request. With Lendza, you can submit a request for:

What Does It Take to Get a Small Business Loan?

When working with Lendza, you can feel confident that every lender in our network is reputable and reliable. Here is what a small business loan provider may consider while reviewing your application:


Credit score

Lenders will examine your credit score to see if you can take on a loan. If you are already in business, you may also need to submit a credit report for your company.

Potential Collateral

If you apply for a secured business loan, you may need to use an asset to back your loan against default. Assets include equipment, inventory, or real estate.

Annual Revenue

Lenders often require that businesses make an annual revenue greater than $50,000.

Net Operating Income

To ensure you can make your payments on time, you must show proof of net operating income that is at least 1.25 times greater than your expenses.

Debt Service Coverage Ratio (DSCR)

You can determine your business capital eligibility using our DSCR Calculator. Your DSCR compares the money you have available to the debt you owe. Lenders use this ratio to determine how likely you are to repay a loan.

Proof of Age and Citizenship

Applicants must provide documentation to prove they are at least 18 years old and a U.S. resident. Additionally, other documents may be required, including tax returns, bank statements, financial statements, and legal documents.
Note: Some lenders may have additional requirements for getting a small business loan.
  • Your Credit Score
    A provider will look at your personal score as well as your business score when determining your eligibility for a business loan. Of course, a higher credit score is preferable as it may secure you a low interest rate. Nevertheless, you are not out of luck if you have a bad credit score. The lenders we partner with may consider the business’s financial alongside credit when determining eligibility.
  • Your Company’s Age
    While it is illegal for lenders to consider your age when making a loan decision, there is no law prohibiting a lender from looking at the age of your business. In fact, companies with less than six months of experience may find it very difficult to obtain a business loan. Nevertheless, you may still be able to secure startup funding despite the age of the business.
  • Your Capital
    The provider will need to examine your historical cash flow. Businesses that can show six months of healthy finances will likely have a better chance of receiving small business funding options.

How Do Lenders Determine My Rates?

When applying for a loan, our partnered lenders will check to make sure you meet some basic qualifications.

Here’s a list of what a lender may look at to calculate the rates you’ll pay on your loan:
Note: This is not all-inclusive, and your loan provider may use other factors to calculate your interest rates and fees.
  • The type of loan you need
  • Your credit rating
  • Your business credit rating
  • How long your business has been around
  • How much revenue your business generates
  • Whether you’re securing the loan or not
  • State and federal regulations




  • Restaurant Financing
    When you need fast business capital, we can help you try to find a provider that can fund you sooner rather than later.
    “It was very important to get the funds quickly for my business, and Lendza was able to help … I had a very good experience with their website and their services overall … I would definitely recommend Lendza to my friends.”
    — Marvin
  • Funding for Nonprofits
    We provide excellent customer service to help you find your way through the complex world of small business funding.
    “Thanks for the referral of funding options. You were very prompt in trying to assist me with my funding needs. I feel very hopeful that I will be able to pursue my business plans. Thanks for listening and understanding.”
    — Anissa
  • Health Services Financing
    Don't let a temporary lack of funds keep you from providing important health services to your clients.
    “That was easy. Thanks. Thanks for helping me get funded.”
    — Patricia