SMALL & MEDIUM BUSINESS FUNDING & CAPITAL ADVISORY
Most business applications get denied because they reached the wrong lender.
We fix that.
Whether you've been denied, or need a smarter capital path, or are currently credit-challenged - LendCraft matches your capital need to the right lender, helps you package it so it actually gets approved.
See Your Capital Readiness Score
Tell us about your business
10 minutes. No credit pull. No obligation. No sales pressure
Pre-Qualification
Tell us your funding need, revenue, and business stage24-Hour Assessment
We review your profile and identify your best funding pathsCapital Readiness Sesiion
We walk through your options, structure, and next steps together
No cost | No obligation | No credit pull | No sales pressure
WHO IS THIS FOR
We work with business owners at different stages of their growth and funding journey. Check your path below.
GROWTH-STAGE OWNERS
You're fundable. You need the right lender and the right structure for your business,
Established business, revenue history, ready to move. You've hit the bank's limits or just want larger amounts and better terms than what they offer.
$100K - $$15M funding range
Business acquisitions and partner buyouts
Equipment financing & asset-based finance programs
Revenue-based funding
Working capital, lines-of-credit, SBA programs
Recapitalization & debt restructuring
DENIED OR CREDIT-CHALLENGED
You've been rejected. The issue isn't your business - it's your business profile.
Banks said no without explaining why. Or your business credit doesn't exist yet. The gap between where you are and where lenders need you to be is completely fixable.
Denied by one or more lenders
No established business credit (EIN + DUNS)
Fundability gaps: structure, banking, reporting
Need a clear roadmap before applying
90=Day path to lender-ready funding
24-72 hrs
Most loan approvals & funding
$10K-$15M
Typical business funding range
$0
Cost to you for our services
CAPITAL PROGRAMS
Funding matched to your situation - not a product menu.
We don't sell loan products. We identify which program fits your business goal,
then help you package it and refer it to lenders who will actually approve it.
Working Capital
For payroll, inventory, marketing, cash-flow, or short-term operational needs. Fast path to funds in the business funding stack.
Amount $10K - $500K
Speed 24 - 72 hours
Credit 580+ considered
Equipment Financing
Finance or lease equipment without tying up working capital. Equipment serves as collateral - less pressure on cashflow & personal credit
Amount Based on equipment
Speed 3 - 10 days
Credit 600+ considered
Lines of Credit
On demand access to capital when you need it. Draw, repay, repeat. Best for businesses with recurring seasonal or operational needs.
Amount $20K - $250K
Speed 3 - 7 days
Credit 620+ considered
Revenue-Based Funding
Repayment tied to business performance, not a fixed schedule. Accounts receivable funding and factoring included.
Amount $5K - $250K
Speed 24 - 48 hours
Credit Revenue - driven
Business Acquisitions
SBA 7(a), conventional, and combo structures for acquiring businesses or buying out partners. Loan structured around cash flow, not just collateral.
Amount $250K - $5M
Speed 3 - 8 weeks
Credit 650+ preferred
SBA Alternatives
The benefits of SBA-style lending - lower equity injection, longer terms - with less paperwork and faster timelines than traditional SBA loans.
Amount Up to $5M
Speed 3 - 6 weeks
Credit 640+ considered
YOUR CAPITAL READINESS SESSION
Three steps from where you are to funded.
The pre-qualification takes 3 minutes and tells us where we need to start building your capital path.
No credit pull at this stage. No commitment from you.
Step 1: Pre-Qualification (3 minutes)
tell us your funding need, business stage, and revenue. We use this to shortlist your best firt programs before our session.
Step 2: 24 Hour Assessment
We review your profile and map out your best paths - ranked by speed, cost, and approval likelihood. You receive this before our call.
Capital Readiness Session
A 20-30 minute working session. We walk you through your options, structure the best path, and tell you what else we need and what happens next - regardless of whether we move forward together.
ELIGIBILITY
What we need - and what we don't.
Our lender network is broad and deep, not tied to a single bank.
Here's what the typical loan requires - and what it doesn't.
MINIMUM REQUIREMENTS
6+ months in business
$10K+ average monthly revenue
Active business bank account
SSN + EIN (both required)
NOT REQUIRED
Perfect credit score
Heavy collateral
Years of financial statements
Previous approvals or bank relationships
Bullet List 5
IF YOU DON'T QUALIFY TODAY
Your business profile doesn't meet the necessary requirements.
That's fixable.
Most business owners that get denied were never shown what lenders actually look for. The denial isn't about your business - it was about signals in your business profile that trigger automatic rejection.
The "From Denied to Funded System" explains exactly which signals cause the denial, what needs to be fixed, and in what order - so the next application succeeds
Why lenders decline otherwise viable businesses
What underwriting systems evaluate behind the curtain
Which issues must be fixed - and in what order
How to build fundability under your EIN, not just your SSN
When your profile is actually ready to apply
From Denied To Funded
The operating system for business owners who've been declined - and want to understand why, fix it, and get funded the right way...in 90-Days
Identify the exact signals that triggered your denial
Correct structural, banking, and reporting issues first
Build legitimate business credit under your EIN
Apply only when lender criteria are met - and get funded
Achieve fundable status in 90-Days...or less
Not a credit repair service. This is an educational system for business owners who want to learn the funding process and prepare their business profile correctly
Representative fundings
Recent business funding examples.
Every business need is different. These illustrate the type of work we do -
not necessarily a guarantee of your outcome.
Representative examples only. All financing subject to lender approval. Terms and outcomes vary by borrower profile and market conditions.
$3.1M
Business Acquisition
SBA 7(a) and conventional combo for a multi-location service business. Limited collateral - structured around cash flow and integration plan.
Reduced equity injection by 22% vs. initial term sheet
$425K
WORKING CAPITAL + EQUIPMENT
Combined working capital line and equipment financing for a regional construction company. Previous bank declined due to risk asscociated with seasonal revenue fluctuation.
Funded in 4 business days - prject started on time
$1.4M
MEDICAL PRACTICE REFINANCE
Owner-occupied real estate refi combined with working capital line. Restructured debt service to free cash for expansion and hiring.
Reduced total debt service - capital freed up for growth.
WHY LENDCRAFT CAPITAL ADVISORS
What's the difference between working with a capital advisor vs. applying direct
Adirect application is one shot at a lender. We are a targeted
placement into a curated network of lenders - packaged to win
Fast Decisions
Most initial assessments completed within 24 hours.
Working capital can fund in 24 - 72 hours from approval.
Lender Match
One pre-qualification reaches a network of lenders.
We eliminate the guesswork of who will and won't approve your loan.
Loan Packaging
We translate your financials into underwriting language.
A well-packaged loan app gets approved. An unpackaged one get's declined
No Cost to You
Advisory is complimentary.
LendCraft is compensated through successful referral arrangements with lenders.
QUESTIONS
Straight answers.
Anything not covered here - ask in your pre-qualification session.
How quickly can I receive funds?
Working capital: 24 - 72 hours from approval.
Equipment and Lines of Credit: 3 - 7 days.
Acquisitions & SBA type: 3 - 8 weeks.
All subject to lender approval and documentation.
What does it cost to work with LendCraft?
The advisory and pre-qualification are complimentary. We are compensated through referral agents with licensed lending partners. You pay us $0 directly.
My personal credit is below 600. Can you still help?
Possibly. Some programs in our network consider scores as low as 580 with strong revenue. If your profile doesn't qualify for direct funding today, The "From Denied to Funded" System shows you the path to get there.
What documents will I need?
For the pre-qualification: none. For lender submission: Typically 3 - 6 months of business bank statements, a government issued ID, and basic business information. We'll tell you exactly what's needed for your specific loan application.
Are there prepayment penalties?
Varies by lender and product. We surface prepayment terms as part of the term sheet review - this is one of the terms we watch closely on your behalf.
Can startups or new businesses apply?
For most products, 6+ months in business with $10K+ in monthly revenue is the minimum. There are SBA conventional loans available for new businesses with a 650+ credit score. If you are earlier stage looking for credit and financing, the :From Denied to Funded" system covers the fundability-building process for new entities.
READY TO MOVE FOWARD
Three minutes to start. Twenty minutes to clarity.
Are you fundable today? Take our Capital Readiness Assessment to find out your score and what gaps might exist.
If you believe your business is ready to fund, pre-qualify now, get your capital path in 24-hours, then a working session to map your route forward. No cost to you at any stage.
Complimentary advisory
No credit pull at pre-qual
24-hour turnaround
Subject to lender approval
Commercial loan referral and advisory for serious business operators and commercial real estate investors.
SERVICES
Business Funding
CRE Funding
From Denied to Funded
The Capital Advisor
Partners
About
CONTACT
This is a Paragraph FontLendCraft Capital Advisors LLC provides complimentary capital advisory consultations as part of its commercial loan referral services. LendCraft is not a lender, credit counselor, or credit repair organization. Advisory services are provided at no charge. Compensation is received exclusively through referral arrangements with licensed lending partners. All financing is subject to lender approval. Terms, conditions, and availability may vary.
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