A versatile financial solution tailored to the evolving needs of small and medium-sized businesses.
Whether you’re looking to expand operations, invest in inventory, or manage cash flow gaps, our loans provide the immediate, reliable funding you need without the usual banking delays.
Apply once, see every offer side-by-side in your North Lending portal, and pick the structure that fits.
Funding tailored to your business needs
Our small business loan offers rapid, transparent financing to fuel your strategic goals.
Flexible amounts up to $5 million
Borrow what your business actually needs — from $25K for a single piece of equipment to $5M to fund a multi-location expansion.
Same-day access to funds
Once approved, capital lands in your operating account the same business day. No two-week underwriting cycles, no document fishing expeditions.
Quick, hassle-free application
A two-minute online application, no manual document chase. We pull the data we need from sources you already use.
Clear terms, no surprises
Fixed APR for the life of the loan, no prepayment penalties, no hidden origination fees. The number you see is the number you pay.
North Lending agrees to provide loan products. You can trust transparency in every interaction.
We do not charge hidden fees or penalties. All terms disclosed upfront with full APR breakdown before signing.
Your data is processed in accordance with our privacy policy. Bank-level encryption applies at rest and in transit.
By accepting, you agree to repayment terms in the schedule attached, no daily debits.
Just
transparency
Businesses succeed with North Lending
“North Lending got us $400K in three days. The team understood our business model from the first call — no second-guessing, no endless requests.”
“If you are a business that is looking for funding, I would recommend that you reach out to North Lending. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
North Lending's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Fast, easy online application
Tell us about your business in two minutes. We securely pull bank and accounting data so you don’t have to wrangle PDFs.
Start ApplicationClear visibility on every offer
See the loans you qualify for side-by-side in your North Lending portal — terms, rates, fees, all visible upfront.
See your offersExpert guidance at every turn
A dedicated funding specialist walks you through which structure fits your goal — growth, refinance, or operational runway.
Talk to an advisorFunded at the speed of your business
Sign electronically and funds wire same-day. Most term loans fund within 24 hours of acceptance.
Get fundedSmall Business Loan
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- Yes — North Lending also offers business lines of credit, revenue-based financing, SBA loans, and non-dilutive capital. When you apply once, we show you every product you qualify for so you can choose the right structure.
- Our pre-qualification uses a soft pull and has no impact on your credit. A hard inquiry only happens once you accept a specific offer and move to final underwriting.
- Consistent monthly revenue, time in business of at least 6 months, and a clean bank-account pattern are the biggest signals. Strong personal credit helps too, but is not required for most of our term-loan partners.
- Yes, with no prepayment penalty. Many of our partner term loans include an early-payoff discount on remaining interest if you settle before the original term ends.
- Most applicants get a decision the same day they apply. Funding follows within 24 hours of acceptance for term loans up to $1M; larger checks may take 2–3 business days.
Are there alternatives to a small business term loan?+
Does applying affect my credit score?+
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Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.