Business Loans

Matching small-to-medium businesses with the most relevant lenders to provide them with the simplest and quickest funding solution.

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Our Business Loan Products

Start Up Business Loans

Start Up Business Loans

A start-up loan offers a financial solution for entrepreneurs looking to start a business, giving them the funds they need to make their business successful from the get-go.

Asset-Based Loan

Asset-Based Loan

An asset-based loan allows the lender to use the borrower’s unpaid invoices as collateral, with the line of credit based on the value of the invoices.

SBA Loan

SBA Loan

SBA loans are government-guaranteed long-term loans with low interest rates offering readily available working capital for any business purpose.

Merchant Cash Advance

Merchant Cash Advance

A merchant cash advance is money allocated to you to cover business expenses. You repay the amount with a set percentage of your credit card transactions.

Line of Credit

Line of Credit

A small business line of credit allows for quick access to business funds against a predetermined credit limit through a simple withdraw request to the lender.

Equipment & Vehicle Finance

Equipment & Vehicle Finance

Equipment and vehicle finance enables you to fully purchase vital equipment and vehicles which are too costly to purchase once off.

Invoice Factoring

Invoice Factoring

Invoice factoring allows you to sell your invoices to a lending company. Each time, and only when, a customer pays an invoice, you pay the lender back.

Commercial Business Loan

Commercial Business Loan

Commercial business loans can be used to cover startup costs during the initial business stages. Interest rates are also usually lower than alternate options.

Unsecured Business Loan

Unsecured Business Loan

Unsecured business loans carry no collateral. Your business assets are free from any risk of being allocated to the lender if repayments can’t be made.

Business Loans Guide

Why take out a business loan?

Small-medium businesses (SMBs) take out business loans for all sorts of reasons typically for expansion or to balance their cash flow. Businesses take out loans as they need working capital to keep their businesses growing.

Common reasons to take out a business loan include:

  • To purchase equipment - (find out more about equipment loans here)
  • To hire new employees
  • To purchase more inventory
  • To expand their physical presence or upgrade their office/workspace
  • To increase working capital
  • To consolidate existing loans

The options are limitless and the way you use your business loan is totally up to you. Commercial business loans can be used however you please, so long as it flows through the business’s checking account.


How to qualify for a business loan:

Anyone with a business can apply for a loan through Lending Express. If you don’t qualify, you’ll be given a dashboard explaining why you didn’t and better yet, you’ll learn how to improve your funding odds!

To qualify for a loan, at a minimum you should have:

 

  • Credit score: Some of our partners will not judge you based on a low credit score, as the decision is based on the overall health of your business
  • Time in business:
    • American business - 3 months
    • Australian business -  6 months
  • Revenue: ideally an average of $5,000 per month

What documents do you need to provide?

  • Lending Express needs to see a business checking account - we will use this to analyze your business’s last 3 to 6 months of statements
  • Other documents needed will depend on the lender you’re matched with and choose to apply with.
    For example, you may also need:
  • Merchant statements - 3 to 6 months worth
  • Tax returns - only the most recent
  • Financial projections (especially if you own a younger business)

See what business loan options you can qualify for: Apply today

How do you repay a business loan?

The way you repay your business loan depends on which lending partner of ours you are matched with. Each of our lenders has different ways that you can repay your loan.

Most have the option to autopay which significantly reduces the headache on your end. The lender will automatically withdraw your minimum payment from your checking account each month (the time will depend again on the lender, some are weekly). You’ll often have the option to consolidate loans into one monthly payment so that you don’t have to keep track of multiple repayments.


 

What is Lending Express?

We at Lending Express are dedicated to creating a better world of funding for SMBs. A bold mission we know, but true.

"How?" you ask - we use advanced algorithms and technology to enable and improve funding opportunities, and perfect the match between business borrowers and alternative lenders.

Unlike other players in the market, Lending Express is not just a business lending marketplace matching borrowers to lenders, nor are we just a business credit profiler. We do both, and more (psst. It’s free!).

Lending Express uses its proprietary technology to automatically nurture each SMB throughout the funding cycle by providing a unique financial profile called LendingScore™, where the SMB can learn funding essentials, improve its funding odds, unlock new funding opportunities and claim its optimal funding solution.

This allows access to funding for millions of businesses that were previously overlooked.

Is Lending Express a lender?

This is a question that pops up often and in fact, no - we are not a lender. We are a completely independent technology company that partners with lenders to provide SMBs with quick and easy access to their optimal funding solution. It is because we are independent that we are able to service the millions of SMBs who find it challenging to get business funding.

 

At Lending Express, we are driven by numbers and results:

What makes Lending Express unique?

Unlocking funding for SMB’s deemed ‘unfundable’.

Over half of SMBs, 58% to be precise, are unfairly denied access to funding and Lending Express is out to change that.

We profile each and every SMB on a multi-dimensional level, calculating its unique LendingScore™, which is more comprehensive than the traditional binary credit score, and unlocks far more funding opportunities.

Each SMB can access all of their profiling information through their intuitive LendingScore™ dashboard. Qualified SMBs get matched with the optimal funding solution and ineligible businesses are given a step-by-step tailored plan to reach funding success.

Who are our partners?

Lending Express is very selective when it comes to it’s partners. There are many, many online lenders out there - we hand-pick only the top lenders with the best reputations that are committed to responsible lending. We have the very same selection standards when it comes to our other partner solutions, such as credit cards and business services including bookkeeping, credit monitoring and more.


How does Lending Express work?

Lending Express works analyzing your application and working to find you the very best match possible with our selected lenders. Our online application is very straightforward and self-explanatory, guiding you throughout the process.

How do I apply for a business loan with Lending Express?

If you own or manage a small-to-medium business, this is how you will apply through Lending Express.

Step-by-step process:

  1. Select a loan amount and click ‘Get Loan Offer’
  2. Provide necessary information (including time in business, industry, revenue etc.)
  3. Select up to 3 lenders
  4. Connect your business’s checking account for analysis
  5. Wait for your offers. You can also access your application via email by clicking ‘Access Your Loan Application’
  6. Review offers and select your lender
  7. Receive funds to your business checking account
  8. Review your tailored LendingScore™ dashboard to improve your funding options
  9. If don’t have sufficient LendingScore™, step-by-step plan to improve (8-12 weeks to unlock funding)

Check if you qualify for a loan today!

How long will the process take?

It should take around 15 minutes to complete and depending on your chosen lender, you may see approved funds in your account within 24 hours - a great resource for getting your hands on urgent business loans.

Will the process affect my credit score?

When analyzing your business’s information, it is important to get a good indication of your credit score to find you the best match possible. We will only do a ‘soft credit pull’ which will NOT harm your credit score.

Only a hard credit check can affect your score. Click here to find out more about the difference between a hard and soft credit check.

What is the interest rate?

At Lending Express, we have over 35 lending partners, each with their own loan terms and products. Most of our lenders don’t use a set interest rate for their loans but provide a tailored set loan fee based on the health of the SMB and other relevant criteria.

How much does it cost to apply through Lending Express?

Lending Express is a free service for SMBs and there is no cost to apply for loan offers and use the LendingScore™ dashboard.


How will Lending Express increase my chances of getting a loan?

At Lending Express we make use of and have invented a vast amount of technology to give you, the business owner, a higher chance of getting a loan. Here we’ll take you through our technology and how Lending Express uses it to increase your funding chances.

1. Automated Application Review

Each application is automatically reviewed and cross-validated to ensure 100% accuracy, resulting in higher approval odds. You’d be surprised how many applications are sent with typos, mistakes, and blank fields, resulting in the business being denied for a loan, with them left raising eyebrows as to why!

2. Transparent LendingScoreDashboard

Each business is deeply analyzed by our proprietary technology and given a tailored funding profile, showing strengths, areas for improvement, and a step-by-step tailored path to development. This is all presented through a simple scoring system and a custom private dashboard.

LendingScore™ is on its way to becoming the new FICO for small business lending.

By reading the tips, tricks and advice on your LendingScore™ Dashboard, you are near guaranteed to increase your score and unlock more and better opportunities.

3. MatchScore™ - Matching SMBs with Lenders

Advanced algorithms achieve the optimal lender-to-SMB match based on the analysis of multiple parameters and the waterfall mechanism that automatically re-assigns lenders until the SMB selects its match.

In other words, it’s like Tinder for small business loans.

4. Partner Performance Program

Partners gain access to their intuitive, tailored performance dashboard, which shows results based on mutually agreed goals and targets.

For any questions regarding partnership be sure to contact Shuli Mantsur our bubbly Director of Partnerships at: shuli@lending-express.com

Lending Express Services

Lending Express has a team of dedicated Account Managers that are available to assist customers throughout the application process. The team also provides nurturing for non-qualified applicants with their step-by-step improvement plan, to achieve funding success.

Our Account Managers are available via phone or email:

Australian Support Email: info@lending-express.com

U.S. Support Email: support@lending-express.com

Phone: 838-800-0664

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