Discover which small business loan is best for you.

Our most popular option

LexLoc, the Lexington Line of Credit

On-demand working capital through a flexible, revolving structure. Draw funds as your business needs them, repay on your schedule, and reuse your line without reapplying.

Structure

Revolving line: draw, repay, reuse

You pay

Interest only on what you draw

Qualifying

Minimal barriers, built for businesses at any stage

Bonus

Builds your relationship with major banks for higher limits later

Best for: Cash flow gaps, payroll between contracts, opportunities that won't wait

Apply for fundingFull LexLoc details

Same-day funding available

Business line of credit

Access funds on an as-needed basis and pay interest only on the amount used. Once you repay, the limit resets, so the money is there the next time you need it.

Structure

Revolving credit limit

Speed

Streamlined approval with same-day funding available

Requirements

Options with no minimum time in business and no revenue requirements

You pay

Interest only on funds you use

Best for: Managing cash flow and handling unforeseen expenses

Apply for funding

A lump sum with a set schedule

Term loan

A fixed amount of capital upfront, repaid in regular installments over a set term, from a few months to several years. Choose a fixed rate for predictable payments or a variable rate.

Structure

Lump sum upfront

Repayment

Regular installments, often monthly

Term

A few months to several years

Rates

Fixed or variable

Best for: Expansions, equipment purchases and specific projects

Apply for funding

Long terms, government-backed

SBA loans

Long-term, low-payment financing backed by the U.S. Small Business Administration. Our in-house SBA team connects you with SBA-approved lenders and keeps your file complete.

SBA 7(a)

Up to $5 million, typically Prime + 1–3%

SBA 504

Up to $5.5 million for real estate and fixed assets

SBA Express

Up to $500,000, approval typically within 36 hours

Terms

Up to 10 years for working capital, 25 for real estate

Best for: Expansion, acquisitions, commercial real estate and refinancing debt

Apply for fundingFull SBA loans details

Get the tools without the upfront cost

Equipment financing

The lender buys the equipment and you spread the cost over manageable installments, keeping your capital free for everything else that grows the business.

Structure

Lender purchases, you pay over a fixed period

Covers

Machinery, technology, vehicles

Keeps

Your cash for other strategic moves

Guidance

Shop with experts who know equipment deals

Best for: Machinery, trucks, kitchens, tech upgrades

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Built around the property

Commercial and investment real estate loans

Purchase, refinance or leverage property with programs that weigh the deal itself: rental income, value and your exit strategy, not just personal income.

DSCR / rental

30-year fixed or adjustable, 15–20% down

Fix & flip

6–24 months, interest-only, based on after-repair value

Bridge

6–12 months to close fast

Also

Ground-up construction, cash-out refinance, HELOC

Best for: Buy-and-hold investors, flippers, builders and owner-occupied buildings

Apply for fundingFull Real estate loans details

Fast money for day-to-day costs

Working capital

Short-term business financing so you always have enough on hand to cover routine operating costs. Fast disbursement and concise repayment timelines.

Speed

Swift disbursement

Repayment

Short, concise timelines

Use

Payroll, inventory, rent and immediate needs

Not for

Large long-term acquisitions

Best for: Seasonal swings and immediate operating needs

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Turn invoices into cash

Accounts receivable financing

Use outstanding invoices to unlock a lump sum now. You receive an upfront percentage of the invoice value, and the balance (less a factoring fee) once your customers pay.

Collateral

Your outstanding invoices

Upfront

A percentage of the invoice value

Collections

Handled by the factoring company

Balance

Paid when invoices settle, minus a fee

Best for: B2B companies waiting on net-30 to net-90 payments

Apply for funding

Lexington Capital Holdings is a financial marketplace and brokerage, not a direct lender. We assist businesses in finding the best funding solutions by working with a network of trusted lending partners. Loan terms, rates, and approvals are determined by the lending institutions. Offerings and eligibility requirements vary by lender. Product scenes are illustrative.