About Main Street Lending
A direct lender built around plain talk.
The small business lending world is full of slick talk and fine print. Main Street Lending is the alternative: a direct lender that underwrites every file by hand, names the trade-offs, and only writes deals that actually fit the business.
Talk to an underwriter at (555) 123-4567
Our story
Main Street Lending was founded in 2019 by a small team of former lenders and small business operators who had been on both sides of the lending conversation. We had seen great owners get pushed into the wrong product because it was the easiest one to close. We knew there was a better way, and we knew it had to be built on the lender side of the table, not the middleman side.
Today we are a direct lender. We underwrite, approve, and fund term loans, lines of credit, equipment financing, SBA loans, and invoice factoring from our own balance sheet, in all fifty states. The loan officer you talk to is the decision-maker. The capital that funds your loan is ours.
We are not the biggest lender out there, and that is on purpose. Every owner who calls Main Street talks to a real person who works your file start to finish. That part will not change.
- Direct, zero brokers
- We underwrite every file ourselves and fund every loan from our own balance sheet.
- Deployed to small businesses
- Term loans, lines of credit, equipment, SBA, factoring. Across all 50 states.
What we believe
Four principles that guide every conversation we have.
Plain talk, no theatrics
Loan documents can be confusing on purpose. We translate them into the actual cost, the actual payment, and the actual obligation, before you sign.
The owner's interest comes first
We are the lender, and we lend our own capital. If the deal we can offer is wrong for your business, we say so. Better to lose the file than to fund the wrong thing.
The right product for the situation
Not every business needs a term loan, and not every business qualifies for SBA. We start with what makes sense, then build the file around it.
Built for the long relationship
We expect to be on the other end of the phone the next time you need capital, and the time after that. Every file we underwrite is for a borrower we want to work with again.
By the numbers
A snapshot of what we have done since opening our doors.
- Deployed to small businesses
- Owners we've worked with
- States we lend in
- Years in business
Want to work with us?
Whether you have a specific need today or are just exploring options, we are easy to talk to. Pick a time that works.
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