Business Funding Loan Types

Built for business lending, from SBA to MCA.

Business loans run on bank statements, tax returns, guarantors and fast repayment schedules. LendingWise comes pre-built for SBA, MCA, working capital, USDA, receivables financing and more, so your team spends its time on deals, not data entry.

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Illustration: a business loan file connected to the business owner, guarantor, business entity, ISO or broker partner, lender, bank statements, tax returns, credit, AI document review and the lender marketplace, with a track of recurring ACH payments

Business loans move fast. LendingWise keeps every document, partner and payment in sync.

One deal can involve the business owner, guarantors, the operating entity, an ISO or broker partner and your credit team, plus financial statements, tax returns and business plans, then daily or weekly ACH debits once it funds. When that lives in inboxes and spreadsheets, deals stall and payments slip.

Every document, collected up front
Applicants upload financial statements, tax returns and business plans with the application, and our AI doc review agent checks each file against your own pass, fail and verification-needed rules the moment it lands.
ISO & broker channels, white-labeled
Correspondents and ISO partners get their own branded portal to manage their loan officers and broker partners, with separate operational control at each branch level.
Repayments on autopilot
Set up automatic ACH repayment schedules, including daily or weekly debits for MCA products, and track every funding disbursement against the loan terms.

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Pre-built for every business funding loan type

SBA Loans
Government-backed loans offering low-interest rates and long repayment terms for small businesses.
MCA (Merchant Cash Advance)
Quick access to capital in exchange for a percentage of future credit card sales.
Working Capital Loans
Short-term loans designed to cover daily business operations and cash flow needs.
Business Expansion Loans
Financing for scaling operations, opening new locations, or acquiring other businesses.
USDA Business Loans
Loans guaranteed by the U.S. Department of Agriculture, designed to support rural businesses with long-term, low-interest financing for various business purposes, including real estate, equipment, and working capital.
Accounts Receivable Financing
Financing solution that allows businesses to obtain cash advances against outstanding invoices, providing immediate liquidity to manage operations and growth.
Micro Financing
Small loans typically under $50,000, designed to support startups, small businesses, and entrepreneurs who may not qualify for traditional financing due to limited credit history or collateral.
Structured Finance
Customized financial solutions that involve complex transactions, often including asset-backed securities, syndicated loans, or mezzanine financing, tailored to meet the specific needs of larger businesses or projects.

Core Features

Loan Application Intake with Required Document Upload
Easy online application process with the ability to upload required business documents, such as financial statements, tax returns, and business plans.
Workflow Automation
Automated processes that trigger next steps based on loan status, including document requests, signed term sheets, compliance requirements, and borrower communications.
Customizable Guidelines
Build out your own or back end investor/lender eligibility guidelines, so the system knows what fields, required docs & workflow steps to follow on every loan.
Document Generation
Automate the creation of business loan agreements, promissory notes, disclosures, SBA, USDA-specific forms, and other critical documents to streamline the lending process.
Funding Disbursement Tracking
Monitor the distribution of funds and ensure compliance with loan terms through automated tracking.
Recurring Payment Setup
Manage repayment schedules with automatic ACH payment setups, including daily or weekly debits for MCA products.
CRM Integration
Seamless integration with CRM tools to manage client relationships, track communication, and automate follow-ups.
White-Labeled User Architecture
Perfect for correspondents or ISO partners who manage multiple loan officers or broker partners. This architecture allows for separate operational control at each branch level, ensuring compliance and consistency across the organization.