Merchant cash advance
Capital when your
business can't wait.
Lenifi funds US businesses fast — from application to cash in as little as 24 hours. No equity. No lengthy underwriting. Just working capital.
Estimate your advance
Average monthly revenue
$50K
Estimated advance
$40K – $75K
Based on typical MCA underwriting. Actual offer may vary.
Comparing your options
Traditional lenders vs. Lenifi.
Traditional lenders
- Credit score is the gating factor
- Weeks to months for a decision
- Collateral or personal guarantee required
- Fixed monthly payments regardless of revenue
- 2+ years of business history required
Lenifi
- Revenue and cash flow drive approval
- Decision within 24 hours
- No collateral needed
- Payments flex with your daily sales
- 6+ months of operation qualifies
How it works
Three steps from application to cash.
Apply in 5 minutes
Tell us about your business and funding need. No lengthy paperwork — just the essentials.
Get a decision fast
Our team reviews your application and comes back with real offers, typically within hours.
Funds hit your account
Accept an offer and capital arrives in as little as 24 hours. No surprises.
Use of funds
What owners fund with Lenifi.
No spending restrictions, no earmarks. The capital is yours to put wherever it moves the business forward.
Inventory
Buy stock early, capture bulk pricing, and never miss a season because the shelves were thin.
Equipment
Replace a failing walk-in, add a second lift, or upgrade the machine that pays for itself.
Payroll
Bridge a slow month or staff up ahead of a busy one without touching personal savings.
Expansion
Open the second location, build out the new space, or take over the lease next door.
Marketing
Fund the campaign, the signage, or the ad spend that brings the next wave of customers.
Emergency repairs
When the HVAC dies or the truck breaks 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-based industries. Apply to see your offer.
Capital deployed
$250M+
deployed to US businesses
who couldn't get a yes.
1,200+
Businesses funded
24 hrs
Average to funding
50 states
Nationwide coverage
Do you qualify?
Four boxes. If you tick them, apply.
6+ months in business
You don't need years of history — half a year of real operation is enough to qualify.
$10K+ average monthly revenue
We underwrite on what your business actually brings in, month over month.
US-based and registered
Your business operates in the United States with a valid registration in any of the 50 states.
Business bank account
Funds land in — and repayment flows from — 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 — it can't hurt to look. See your offer.
Know your options
How an advance compares.
Every financing product trades something off. Here's where a merchant cash advance sits against the usual alternatives.
Merchant cash advance
- Speed to funding
- As fast as 24 hours
- Credit requirements
- Revenue-based, soft pull
- Collateral
- None
- Paperwork
- 5-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.
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.
Select your credit bracket and target amount. Your actual offer is determined after a quick 5-minute application — no hard pull.
- Decision within 24 hours
- No hard pull until you accept an offer
- Revenue-based approval, not credit score
Credit score range
Funding requested
$75K
You'd repay $92K over about 11 months.
Daily holdback
$396
Factor rate
1.22
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 of essentials about your business and funding need. Soft pull only.
Hours 1–4
Review
A human underwriter reads your revenue — not a scoring algorithm rejecting you on sight.
Same day
Offer
Full terms in writing: amount, factor rate, and payment schedule. No obligation.
Minutes
Accept & e-sign
Happy with the numbers? Sign electronically from any device.
Next business day
Funded
Capital lands in your business account — often by the next morning.
Security & trust
Bank-grade security. Zero data games.
You're trusting us with your business financials. Here's exactly 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
Independently audited controls over how we store, process, and access your business data.
Soft pull, always
Checking your rate never touches your credit score. A hard pull happens only if you accept an offer.
Never sold, ever
Your data is used to underwrite your offer — not resold 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 match small-business reality. When the walk-in dies in July or the big order lands with net-60 terms, "come back with two more years of tax returns" isn't an answer. We built the funding process we wished existed when we ran our own shops.
That means underwriting revenue, not résumés. A five-minute application instead of a forty-page package. And real people reading real bank statements, so a thin credit file doesn't end the conversation before it starts.
Speed with judgment
Decisions in hours because a human reads your numbers — not because nobody does.
Transparent terms
One factor rate, the full repayment number upfront, and no fine-print games.
US-based, coast to coast
A US team funding businesses in all 50 states.
Common questions
Everything you need to know.
Ready to get funded?
Apply in minutes. No hard pull. Get a real offer — not an estimate — within hours.
No hard credit pull to check your rate