Main Street Lending · Est. 2019
Capital for the businesses Main Street is built on.
Main Street Lending is a direct small business lender. We fund term loans, lines of credit, equipment financing, SBA loans, and invoice factoring from our own balance sheet — for the storefronts, practices, and family-owned businesses that are Main Street.
Talk to an underwriter at (555) 123-4567
- No hard credit pull to pre-qualify
- Loan officer on the call, not a script
- Real terms before you sign
- Deployed to small businesses
- Owners we've worked with
- States we lend in
- Largest single loan we make
Funding products we underwrite
Five commercial financing products, originated and funded by Main Street Lending. We help you compare apples to apples and pick what actually fits.
A traditional installment loan from Main Street with a clear amortization schedule and predictable monthly payments.
A revolving credit line from Main Street you can draw from, repay, and reuse as you go.
Finance trucks, machinery, kitchen equipment, medical and dental gear. The equipment secures the deal.
SBA-guaranteed loans from Main Street, with longer terms and lower payments for qualifying borrowers.
Sell your B2B invoices to Main Street and get most of the value up front, with the remainder paid when your customer pays.
How funding actually happens
Real steps, real underwriting, no surprises.
Tell us about your business
We get a basic file together: bank statements, a quick conversation about what you're after, and a soft credit check (no impact on your score).
We underwrite by hand
Real underwriters read every file. We talk through the structure, the use of funds, and the terms before anything goes in writing.
Sign and fund
You sign the loan documents, we wire the funds, and you go execute your plan.
Why owners choose Main Street
Three things that show up on every deal we fund.
Decisions made in-house
We underwrite, approve, and fund every loan ourselves. There is no third party between you and the answer. The person reading your file is the person who can say yes.
The loan officer is the decision-maker
You will not be passed between intake, a coordinator, and a credit officer in another city. The loan officer on your call has the authority to structure the deal and walk it across the line.
No surprises, ever
We will not stack you, will not run a hard pull without telling you, and will not push a product just because it pays us more. The deal you see is the deal you sign.
Industries Main Street works with every day
The businesses we fund — the storefronts you walk past, the practices you visit, the shops that built the block. We work with most industries; here are the ones we know inside out.
- Restaurants and food serviceCover payroll between busy seasons, finance a buildout, replace a walk-in cooler, or open a second location.
- Retail and specialty storesBulk up inventory before the holidays, refresh fixtures, or smooth out cash flow when foot traffic dips.
- Trucking and logisticsBuy or repair tractors and trailers, fund fuel and maintenance, or factor freight invoices to keep wheels turning.
- Construction and tradesBridge the gap between mobilization and progress payments, finance equipment, and bond up for bigger projects.
- Medical and dental practicesFund new chairs, imaging, and tenant improvements, or smooth receivables waiting on insurance payers.
- Auto repair and body shopsAdd a lift, expand a paint booth, stock parts inventory, or buy out a partner.
Frequently asked questions
See what your business qualifies for.
Tell us a little about your business and we will come back with options that fit. No obligation, no spam, no surprises.
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