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Main StreetLending

How it works

The lending process, end to end.

A clear walkthrough of how Main Street Lending moves a deal from a first conversation to money in your business account. Underwritten and funded by us.

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Talk to an underwriter at (555) 123-4567

Five steps from first call to funded

No mystery, no runaround. This is exactly what working with us looks like.

  1. Intake

    A short conversation or quick form. Tell us what you do, what you need the money for, and your monthly revenue. No hard credit pull.

  2. File assembly

    We help you gather the right docs — usually three months of bank statements and a driver license. Larger requests need tax returns and financial statements. We tell you up front exactly what is needed.

  3. We underwrite by hand

    A Main Street loan officer reads the file end to end. Credit pull, bank-statement analysis, debt schedule, use-of-funds review, and any follow-up questions go through the same person. One pass, not a handoff.

  4. The offer

    We walk you through the offer in plain English — amount, term, rate, fees, prepayment, everything. The number on the page is the number you sign.

  5. Sign and fund

    Accept the offer, sign the loan documents electronically, we verify, and we wire the funds to your business account.

What you will need ready

Most files only need the first few items below. We will tell you which ones apply once we know what you are looking for.

  • Three to six months of business bank statements
  • Driver license for each owner with 20 percent or more ownership
  • Voided business check
  • Most recent business tax return (term loans, SBA, larger requests)
  • Year to date P&L and balance sheet (term loans, SBA)
  • Vendor invoice (equipment financing)
  • Aging report (invoice factoring)

What we will not do

The small business lending industry has a reputation. We work hard to be the exception, not the rule. Here is what you will never get from us.

  • Stack our loan on top of another lender's position
  • Run a hard credit pull without telling you first
  • Push a product that does not fit your business
  • Hide fees, rates, or prepayment terms in the fine print
  • Sign you up for anything before you have read it
  • What we will do is tell you when an offer is bad and you should walk away. Even when it is the only one on the table.

Process questions, answered

What owners ask us most about the funding process itself.

Is Main Street Lending a lender?

Yes. We are a direct small business lender. We underwrite, approve, and fund the loans we make from our own balance sheet. The decision is ours, in-house.

What does it cost to work with Main Street Lending?

Nothing extra on top of the loan. Our compensation is the interest and fees on the loans we make. You see the cost of the financing itself, in writing, before you sign anything.

What credit score do I need?

It depends on the product. Term loans, lines of credit, equipment financing, and SBA loans generally want a personal FICO of 650 or better, with some flexibility on stronger files. Invoice factoring looks more at your customers' credit than yours. We work with what you have and tell you straight what fits.

Will applying hurt my credit?

Pre-qualification is a soft pull and does not affect your score. If we move to a hard credit decision, we tell you in advance so there are no surprises.

Ready to start?

Tell us about your business and we will get to work. The first conversation is free, friendly, and short.

Apply now(555) 123-4567

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