Stop waiting on banks.
Get $25K to $2M fast.
Unsecured term loans with fixed monthly payments and 12–60 month terms. No collateral. No bank committees. Decisions in 24–48 hours — from a lender network built for small business speed.
At a Glance
Over 500 American businesses have grown with lendflo capital.
Serving Texas, Florida, Georgia, Tennessee, North Carolina, Ohio, Pennsylvania, Michigan, Indiana, and Wisconsin — we fund businesses banks say no to.
Why businesses choose lendflo for term loans
Our term loans are designed around how businesses actually operate — not how banks want them to.
No Collateral Required
We assess business performance, not personal or business assets. Most qualifying businesses access funding without pledging anything as security.
Decisions in 24–48 Hours
Forget 90-day bank timelines. Most applications receive a decision within one business day and funding within the week.
Fixed, Predictable Payments
Know exactly what you owe each month. Fixed payments make cash flow planning simple and budgeting straightforward.
Use the Money Anywhere
No restrictions on use. Hire staff, expand locations, buy inventory, pay taxes, fund marketing — whatever your business needs most.
All Credit Profiles Welcome
Prior bank declines don't disqualify you. We work with businesses across the full credit spectrum — and find solutions where banks can't.
Zero Hidden Fees
Full transparency before you sign. Your advisor explains every number in your offer. No surprises. No buried fees. No rate changes after signing.
Common ways businesses use term loans
Flexible capital you can apply where it matters most.
Business Expansion
Open a new location, hire staff, or increase capacity to meet growing demand.
Inventory Purchase
Stock up for a busy season or negotiate better bulk pricing with suppliers.
Equipment & Technology
Upgrade your tools, software, or technology to stay competitive and efficient.
Working Capital
Bridge the gap between payables and receivables with a stable, predictable loan.
IRS Tax Payments
Pay outstanding IRS or state tax balances without disrupting day-to-day operations.
Marketing & Growth
Invest in campaigns, branding, or new markets to drive revenue growth.
Common questions
Everything you need to know about term loans before you apply.
Do I need collateral to qualify?
No. lendflo term loans are non-collateralized for most qualifying businesses. We evaluate your business performance, revenue history, and credit profile — not your personal assets.
How fast can I receive funds?
Most approved borrowers receive a decision within 24–48 business hours and have funds deposited within 3–5 business days after signing.
What are the eligibility requirements?
Generally, businesses operating for at least 6 months with monthly revenues of $10,000+ qualify to apply. We work with all credit profiles.
Are there any prepayment penalties?
This depends on the specific term and product. Your lendflo advisor will walk through all terms clearly before you sign anything.
Can I apply if I have been declined by a bank?
Yes. Many of our clients were declined by traditional banks. We assess applications differently and can often find solutions that banks cannot provide.
How much can I borrow?
Term loan amounts through lendflo typically range from $10,000 to $500,000. The amount you qualify for depends on your revenue, time in business, and overall credit profile.
What repayment terms are available?
Terms generally range from 3 months to 36 months, with fixed daily, weekly, or monthly repayment schedules. Your advisor will match the structure to your cash flow cycle.
Will applying affect my personal credit score?
An initial inquiry is typically a soft pull and will not impact your credit score. A hard pull may occur if you proceed to a full application with a specific lender.
Can I use a term loan to refinance existing debt?
Yes. Debt consolidation is one of the most common uses. Combining multiple high-interest obligations into a single term loan can simplify payments and reduce overall cost.
What industries do you work with?
We work with businesses across virtually all industries — construction, retail, healthcare, hospitality, professional services, transportation, and more. If you operate a legitimate American business, we can usually help.
Is the application process complicated?
Not at all. Our online application takes about 5 minutes. You will need basic business details, recent bank statements, and your contact information. A dedicated advisor handles the rest.
Do you report to business credit bureaus?
Some of our lending partners do report to business credit bureaus. Successfully repaying a term loan can help build your business credit profile over time.
Ready to get funded?
Most term loans under $500K receive decisions within 24–48 hours. A dedicated advisor handles everything — free.
Typical eligibility
Still have questions?
Talk to an advisorReady to apply for a term loan?
Start your application in under 3 minutes. A dedicated advisor reviews your file and responds within one business day.