How It Works

At Lendini, we understand that time is money. Our goal is to simplify the funding process so you can access the capital you need — without the stress or delays of traditional financing.

Make your Submission count!

Apply Online

Submit a short application along with 3-4 months of business bank statements (4 months required for California or New York). That's all we need to get started.

Underwriting Review

Our team reviews your application, financial history, and cash flow to understand your business needs. We prioritize speed and accuracy at every step.

Pre-Approval Offers Sent

If you're pre-approved, you'll receive financing options tailored to your revenue and business profile.

Agreement Sent & Signed

Choose an offer that fits your goals. We'll send a purchase agreement via DocuSign for fast and secure signing.

Final Underwriting

After signing, we finalize underwriting — this may include a merchant interview or identity verification to ensure a smooth disbursement.

Receive Funds

Once finalized, the funds are sent directly to your business bank account. In many cases, this happens the same day.

Why Choose Us

Fast, personalized, and committed to your success.

Tailored Financing

We take the time to understand your business and match you with solutions that fit your goals — not generic offers.

Fast Approvals

We move quickly so you can get back to running your business. Most applications are reviewed within 24 hours.

Personalized Support

Dedicated representatives guide you from start to funding — with real people, not robots.

Flexible Repayment

Revenue-based repayment adjusts with your cash flow. No fixed monthly payments weighing you down.

No Equity Dilution

Access funding without giving up ownership. Keep control of your business as you grow.

Proven Track Record

Over 10,000 businesses funded and nearly $1B in capital delivered to help businesses thrive.

Revenue-Based Financing

Revenue-Based Financing is a fast, flexible funding option where your repayments are based on your business’s revenue — not fixed monthly payments or rigid loan terms. When your revenue is up, you pay a bit more. When it’s slower, you pay less. There’s no interest, no equity loss, and no pressure from banks or investors.

What We Look At

This helps us provide fast, fair financing—even for businesses that may not qualify through traditional lenders. Our underwriting team considers:

Daily bank balances

Time in business

Credit card sales history

Business performance

Industry conditions

Your Business Deserves to Grow

We fund your potential — not your credit score.

FAQ

A Merchant Cash Advance (MCA) is a type of business funding where your company receives a lump sum of capital upfront in exchange for a percentage of future sales. Unlike traditional business loans, MCAs provide fast working capital without requiring collateral or lengthy approvals.