Working capital
Capital when your business can't wait.
Lenifi gets US businesses funded the same day, typically 2–6 hours after approval. No collateral, no equity, no stack of paperwork. Get funded and get back to running your business.
Estimate your funding
Average monthly revenue
$50K
Estimated funding
$40K – $75K
Based on your revenue, not your credit score. Actual offer may vary.
A business-first approach
Traditional lenders vs. Lenifi.
Traditional lenders
- Your credit score decides
- Weeks or months to decide
- Wants collateral or a personal guarantee
- Same monthly payment, good month or bad
- Needs 2+ years in business
Lenifi
- Your revenue and cash flow decide
- Same-day decisions
- No collateral needed
- Slower day, smaller payment
- 6+ months in business qualifies
How it works
Four steps to funding.
- Step 01 of 04
Apply in 2 minutes
Tell us about your business and how much you need. Just the essentials, no stack of paperwork.
- Step 02 of 04
Connect your statements
Upload your recent bank statements securely. Automated analysis reads your actual revenue.
- Step 03 of 04
Get your offer
A real same-day offer, with one fixed cost shown upfront.
- Step 04 of 04
Get funded
Accept, and the cash lands in your business account the same day, typically 2–6 hours after approval.
How much funding do you need?
Funding amount
Connect your statements.
Business bank statements
Revenue
Your offer is ready
Funding amount
$50,000
Total repayment
$65,000
Fixed cost
$15,000
- No interest rate, no compounding
- No prepayment penalty
- Payments flex with sales
Funds sent
To your business account
Use of funds
What owners fund with Lenifi.
No spending rules, no earmarks. Put the money wherever it moves your business forward.
Inventory
Stock up early, lock in bulk pricing, and never lose a season to empty shelves.
Equipment
Replace a failing walk-in, add a second lift, or upgrade the machine that pays for itself.
Payroll
Cover a slow month or staff up before a busy one, without dipping into personal savings.
Expansion
Open the second location, build out the new space, or take over the lease next door.
Marketing
Pay for the campaign, the signage, or the ads that bring in your next customers.
Emergency repairs
HVAC dead or truck down? Fix it today, not after a 6-week loan review.
Industries we fund
If you have revenue, you have options.
…and most other US industries. Apply to see your offer.
Capital deployed
$77M+
deployed to US businesses
that couldn't get a yes.
Capital deployed
1,770+
Businesses funded
Same day
Funding, 2–6 hrs after approval
50 states
Nationwide coverage
Do you qualify?
Tick these four boxes, then apply.
6+ months in business
Half a year of real operation qualifies. No need for years of history.
$15K+ average monthly revenue
We look at what your business actually brings in, month after month.
US-based and registered
Your business operates in the US and is registered in any of the 50 states.
Business bank account
Funding goes into, and payments come out of, a dedicated business checking account.
What you won't need
- Collateral or personal assets
- A 700 credit score
- Years of tax returns
- A business plan or pitch deck
Not sure you qualify? Checking your rate is a soft pull, so looking can't hurt your credit. See your offer.
Know your options
How Lenifi compares.
Every kind of financing has a trade-off. Here's how Lenifi working capital stacks up against the usual options.
Lenifi working capital
- Speed to funding
- Same day (2–6 hours)
- Credit requirements
- Revenue-based, soft pull
- Collateral
- None
- Paperwork
- 2-minute application
Term loan
- Speed to funding
- 1–4 weeks
- Credit requirements
- 680+ typical
- Collateral
- Often required
- Paperwork
- Heavy
Line of credit
- Speed to funding
- 1–3 weeks
- Credit requirements
- 630+ typical
- Collateral
- Sometimes
- Paperwork
- Moderate
SBA loan
- Speed to funding
- 30–90 days
- Credit requirements
- Strong credit + years of history
- Collateral
- Usually required
- Paperwork
- Extensive
Typical market ranges — individual lenders vary. Fuller bars mean faster funding and easier qualifying.
What businesses say
Real operators.Real results.
"We needed a new walk-in cooler before summer. Lenifi approved us in hours and the money was in our account the next morning. Saved our season."
Maria Gonzalez
Mango Grill · Miami, FL
"Three banks turned us down because we're in year two. Lenifi looked at our monthly revenue and said yes. Straightforward process, no surprises."
Derek Okafor
Derek's Auto Body · Atlanta, GA
"I used the funds to buy holiday inventory early and captured a huge margin. The soft pull meant I could check my options without worrying about my credit."
Sarah Kim
Bloom Boutique · Chicago, IL
Run the numbers
See your estimated offer before you apply.
Pick your credit range and the amount you need. Your real offer comes after a 2-minute application, with no hard pull.
- Same-day decisions
- No hard pull until you accept an offer
- Approval based on revenue, not credit score
Credit score range
Funding requested
$75K
You'd repay $92K over about 11 months.
Daily holdback
$396
Fixed cost
$17K
Term
~11 mo
Illustrative numbers only. Actual terms determined by underwriting.
After you apply
From submit to funded, hour by hour.
Minute 0–5
Submit
Five minutes on the essentials: your business and how much you need. Soft pull only.
Hours 1–4
Review
A real person reviews your revenue. No algorithm rejects you on sight.
Same day
Offer
Full terms in writing: amount, total cost, and payment schedule. No obligation.
Minutes
Accept & e-sign
Like the numbers? E-sign from any device.
Same day
Funded
The cash typically lands in your business account 2–6 hours after approval.
Security & trust
Bank-grade security.Zero data games.
You're trusting us with your business financials. Automated analysis reads them to build your offer, and nothing else. Here's how we protect them.
Encrypted end to end
Your application travels over 256-bit TLS and is encrypted at rest. Sensitive fields never appear in URLs or logs.
SOC 2 Certified Vendors
We store and process your business data with SOC 2 certified vendors, whose controls are independently audited.
Soft pull, always
Checking your rate never touches your credit score. A hard pull happens only if you accept an offer.
Never sold, ever
We use your data to build your offer, never to sell to marketers. Ask us to delete it and we will.
About Lenifi
Built by operators who got told no.
Lenifi started because bank timelines don't fit how small businesses run. When the walk-in dies in July or a big order lands on net-60 terms, "come back with two more years of tax returns" isn't an answer. We built the funding process we wished we'd had when we ran our own shops.
That means underwriting revenue, not résumés. A two-minute application instead of a forty-page package. Real people read your bank statements, so a thin credit file doesn't end the conversation.
We believe a business is more than a number on a credit report. Small businesses keep the American economy running, yet banks routinely leave them behind. Access to working capital should be simple and stress-free.
Transparency
One fixed cost, the full repayment number upfront, and no fine-print games.
Partnership
Funding built around long-term relationships, not one-off transactions. We grow when your business grows.
Technology
Automated statement analysis reads your real revenue, so decisions are faster and fairer than a credit score alone.
Common questions
Everything you need to know.
Ready to get funded?
You don't have enough hours in the day. The application takes about two minutes, with no hard pull. Get a real same-day offer, not an estimate.
No hard credit pull to check your rate