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With one streamlined application for several affordable business financing programs, Lendistry’s accessible technology allows owners the flexibility to work through the process where and when they can to find the right small business loan that fits their unique needs. [![Image 15: Store front with neon OPEN sign brightly displayed at night with VISA & Main logo placed in the top right corner and Click here to learn more about Visa & Main link below](https://lendistry.com/wp-content/uploads/2026/01/visa-main-store-open-sign.webp)](https://www.visa.com/Visa&Main) ## We offer solutions* to: * Increase working capital * Refinance business debt * Expand operations * Buy furniture, fixtures, and supplies Z _Applying online is fast, easy and does not impact your credit score._ ## About Visa & Main Visa & Main champions small businesses—the heartbeat of local communities. From Main Streets to creative hubs and online storefronts, we’re helping small business owners access what matters most: capital to fuel growth, visibility to attract customers, and digital tools to compete in an evolving marketplace. By combining resources, expertise, and community-driven initiatives, Visa & Main empowers small businesses to thrive today and build resilience for tomorrow. Learn more: [visa.com/Visa&Main](https://visa.com/Visa&Main) ## About Lendistry Lendistry is more than a lender—it’s a force for change. As a mission-driven financial growth partner, we empower small businesses, and entrepreneurs in undercapitalized communities with fair, transparent funding, expert guidance and strategic resources. Built on a foundation of economic empowerment, Lendistry combines cutting–edge financial solutions with deep community commitment to help businesses not just survive—but thrive. ## A Trusted Lender for Small Businesses [![Image 16: Lendistry BBB Business Review](https://seal-sanjose.bbb.org/logo/ruhzbul/bbb-1000036892.png)](https://www.bbb.org/us/ca/los-angeles/profile/small-business-loans/lendistry-1216-1000036892/#sealclick) [![Image 17: Google Logo](https://lendistry.com/wp-content/uploads/2025/01/google-logo-e1736790974475.png)](https://www.google.com/search?q=lendistry&rlz=1C5GCEM_enUS1102US1102&oq=lendistry&gs_lcrp=EgZjaHJvbWUqEAgAEAAYgwEY4wIYsQMYgAQyEAgAEAAYgwEY4wIYsQMYgAQyBggBEEUYPDIGCAIQRRg8MgYIAxBFGDwyEwgEEC4YgwEYrwEYxwEYsQMYgAQyBggFEEUYPDIGCAYQRRg8MgYIBxBFGEHSAQgxNTU1ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8#lrd=0x80dd2aa511acff5d:0x7e763a35c0a430ef,1,,,,)  ### 4.8 Rating ### Sign up for our monthly eNewsletter Email Address Company Name First Name Last Name - [x] Do Not Sell My Personal Information Submit Success! 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More information here: [https://lendistry.com/faqs/#real-lendistry](https://lendistry.com/faqs/#real-lendistry) #### Special Programs [Airport Concessions Lending](https://lendistry.com/airport/) [Amazon Community Lending](https://lendistry.com/amazon-community-lending/) [Amazon Relay Lending](https://lendistry.com/partner/amazon-relay/) [CO Startup Loan Fund](https://lendistry.com/colorado-startup-loan/) [NMFA SBRLF Support](https://lendistry.com/nmfa-support/) [PPP Support](https://lendistry.com/ppp-support/) [Visa & Main](https://lendistry.com/visa&main/) [Walmart Marketplace Seller](https://lendistry.com/walmart/) #### Products [Business Lending](https://lendistry.com/business-lending/) [Contractor Finance](https://lendistry.com/visa&main/contractor/) [Industries and Programs](https://lendistry.com/grants-and-programs/) [Home Loans](https://lendistryhomeloans.com/) [Insurance](https://lendistryinsurance.com/) [Loan Referral Partners](https://lendistrypartners.com/) [Technical Assistance](https://thecenterbylendistry.org/) [Use Our Platform](https://lendistry.com/grant-loan-deployment/) #### [Terms and Conditions](https://lendistry.com/terms-and-conditions/) [Authorizations and Consents](https://lendistry.com/terms-and-conditions/#authorizations-consents) [Platform/Website Terms of Use](https://lendistry.com/terms-of-use/) [Privacy Policy](https://lendistry.com/privacypolicy/) #### About Lendistry [About Us](https://lendistry.com/about/) [Blog](https://lendistry.com/blog/) [Careers](https://lendistry.com/careers/) [Contact Us](https://lendistry.com/contact/) [FAQs](https://lendistry.com/faqs/) [Licensing](https://lendistry.com/licensing/) [Newsroom](https://lendistry.com/newsroom/) #### * [Sign In](https://lendistry.com/visa&main/#) #### [Apply Now](https://cloud.mail.lendistry.com/hero?code=ozwatdvbRbdvTal) [![Image 18: Lendistry Logo](https://lendistry.com/wp-content/uploads/2021/07/Lendistry-Logo_395w.png)](https://lendistry.com/) * [Follow](https://www.facebook.com/lendistry "Follow on Facebook") * [Follow](https://www.linkedin.com/company/lendistry/ "Follow on LinkedIn") * [Follow](https://www.instagram.com/lendistry/ "Follow on Instagram") * [Follow](https://www.youtube.com/channel/UCnQaL_pavXBykyysnQa6aHA "Follow on Youtube") * [Follow](https://www.tiktok.com/@lendistry "Follow on TikTok") ![Image 19: CDFI](https://lendistry.com/wp-content/uploads/2021/03/CDFI.png) ![Image 20: Official logo for Federal Home Loan Bank of San Francisco](https://lendistry.com/wp-content/uploads/2025/12/fhl-bank-sf-logo.webp) [![Image 21: Lendistry BBB Business Review](https://seal-sanjose.bbb.org/seals/blue-seal-293-61-bbb-1000036892.png)](https://www.bbb.org/us/ca/los-angeles/profile/small-business-loans/lendistry-1216-1000036892/#sealclick) ©2026 B.S.D. Capital, Inc. dba Lendistry. All rights reserved. This is not an offer for extension of credit or a commitment to lend. In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to [crcomplaints@treasury.gov](mailto:%E2%80%AFcrcomplaints@treasury.gov.). ![Image 22: Verified checkmark in a circle icon](https://lendistry.com/wp-content/uploads/2026/05/verified-circle-check-icon.webp) ### Basic Eligibility Criteria M #### Business Term Loan **Loan Size 1:** $10,000 - $350,000 | **Estimated Interest Rate 2:** Fixed, as low as 11.99% | **Loan Term:** 1 - 5 years | **Estimated Processing Time 3:** 3 - 7 business days **Eligibility Requirements:** * 2 years in business or 1 year in business with 5 years' industry experience * All owners with 20% or more ownership are required to complete identity verification (KYC) and provide a personal guaranty * No business or personal bankruptcy, charge-offs, or active collections in last 3 years * Minimum FICO of 620 * Payment-to-Income < 25%4 * Validated in legal or doing business as name #### SBA 7(a) Business Term Loan **Loan Size 1:** $10,000 - $350,000 | **Estimated Interest Rate 2:** Variable, as low as 8.25% | **Loan Term:** 10 years | **Estimated Processing Time 3:** 5 - 20 business days **Eligibility Requirements:** * Minimum 2 years in business * Social security number is required for at least one owner with 20% or more ownership. All owners with 20% or more ownership are required to complete identity verification (KYC) and provide a personal guaranty * No business or personal bankruptcy, charge-offs, or active collections in last 3 years * No prior loss on a federally backed loan and not debarred or excluded on the System for Award Management (sam.gov) * Minimum FICO of 620 * Debt Service Coverage Ratio on the latest business tax return 1.1 or greater * Validated in legal or doing business as name #### SBA 7(a) Standard Loan **Loan Size 1:** $350,001 - $5,000,000 | **Estimated Interest Rate 2:** Variable, as low as 7.75% | **Loan Term:** 10 - 25 years | **Estimated Processing Time 3:** 35 - 90 business days **Eligibility Requirements:** * Minimum 2 years in business, business acquisitions are acceptable and may have start-up fundamentals, such as projections or new entities * Social security number is required for at least one owner with 20% or more ownership. All owners with 20% or more ownership are required to complete identity verification (KYC) and provide a personal guaranty * No business or personal bankruptcy, charge-offs, or active collections in last 3 years * No prior loss on a federally backed loan and not debarred or excluded on the System for Award Management (sam.gov) * Minimum FICO of 620 * Debt Service Coverage Ratio on the latest business tax return 1.1 or greater and validated by last 90-days of business bank data * Validated in legal or doing business as name 1 The minimum loan amount is $10,000, except in Rhode Island ($25,000 for sole proprietorships) and Maryland ($15,000 for sole proprietorships and business entities other than corporations). The availability of any applicable business loan product is subject to certain eligibility requirements, which may include without limitation, the creditworthiness of the business and its owners, and the applicant's acceptance of the terms of loan documentation to be provided by the lender. 2 Any information provided, including any hypothetical credit amounts, rates or terms, is provided for reference purposes only and will not constitute an offer for credit. Displayed rates represent the lowest available rates and are not available to all borrowers; actual rates will depend on creditworthiness, loan amount, term, and other factors. Fees, including origination fees and, for SBA loans, guarantee fees, may apply. 3 Estimated processing time to close based on loan type selected. 4 Payment-to-income ratio measures the percentage of gross monthly income used to cover debt obligations. ![Image 23: Options of three squares and a magnify glass icon](https://lendistry.com/wp-content/uploads/2026/05/options-icon.webp) ### Our Loan Products M #### Business Term Loan A short-term, fully amortizing fixed-rate loan designed for established businesses that need capital quickly. * **Loan Size 1:** $10,000 - $350,000 * **Estimated Interest Rate 2:** Fixed, as low as 11.99% * **Loan Term:** 1 - 5 years * **Estimated Processing Time 3:** 3 - 7 business days **Typical Use Cases** Working Capital | Payroll & Operating Expenses | Marketing & Growth Campaigns | Inventory Purchases | Cash Flow Gaps | Refinance Existing Debt **Time in Business** 2 years in business **or** 1 year in business with 5 years' industry experience #### SBA 7(a) Business Term Loan A government-backed, fully amortizing loan ideal for small businesses owned by U.S. citizens or U.S. nationals with principal residence in the U.S., its territories, or possessions, looking for competitive rates and longer repayment terms. Lawful Permanent Residents (green card holders) are no longer eligible for SBA loan programs. * **Loan Size 1:** $10,000 - $350,000 * **Estimated Interest Rate 2:** Variable, as low as 8.25% * **Loan Term:** 10 years * **Estimated Processing Time 3:** 5 - 20 business days **Typical Use Cases** Working Capital | Equipment Financing | Business Acquisition | Leasehold Improvements | Debt Refinancing **Time in Business** Minimum 2 years in business #### SBA 7(a) Standard Loan Lendistry's flagship SBA product for larger capital needs. As an SBA Preferred Lender, Lendistry can approve these loans faster than non-Preferred Lenders. Note that this loan is only available to businesses owned by U.S. citizens or U.S. nationals with principal residence in the U.S., its territories, or possessions. Lawful Permanent Residents (green card holders) are no longer eligible for SBA loan programs. * **Loan Size 1:** $350,001 - $5,000,000 * **Estimated Interest Rate 2:** Variable, as low as 7.75% * **Loan Term:** 10 - 25 years * **Estimated Processing Time 3:** 35 - 90 business days **Typical Use Cases** Commercial Real Estate | Large Equipment Purchases | Business Expansion | Franchise Financing | Acquisition of a Business | Mixed Use of Proceeds **Time in Business** Minimum 2 years in business, business acquisitions are acceptable and may have start-up fundamentals, such as projections or new entities 1 The minimum loan amount is $10,000, except in Rhode Island ($25,000 for sole proprietorships) and Maryland ($15,000 for sole proprietorships and business entities other than corporations). The availability of any applicable business loan product is subject to certain eligibility requirements, which may include without limitation, the creditworthiness of the business and its owners, and the applicant's acceptance of the terms of loan documentation to be provided by the lender. 2 Any information provided, including any hypothetical credit amounts, rates or terms, is provided for reference purposes only and will not constitute an offer for credit. Displayed rates represent the lowest available rates and are not available to all borrowers; actual rates will depend on creditworthiness, loan amount, term, and other factors. Fees, including origination fees and, for SBA loans, guarantee fees, may apply. 3 Estimated processing time to close based on loan type selected. ![Image 24: Two documents stacked icon](https://lendistry.com/wp-content/uploads/2026/05/stacked-documents-icon.webp) Minimum Required Documents 1 M **Business Owner(s) Identification Documents** * U.S. government-issued ID **Business Tax Return(s)** * Most recently filed (3 years required for SBA loans) Additional Minimum Required Documents for SBA loans * More Documentation May Be Required for Eligibility Review 2 **Personal Tax Return** * Most recent year filed **Personal Financial Statement** * Listing all household assets and liabilities, signed by you and your spouse (if applicable) **Collateral Information** * Complete list of business assets used as collateral to secure the loan **Business License(s)** * All valid and current business license(s) required by law for your state/industry **Use of Proceeds** * Include any additional SBA-required documentation based on use of proceeds (e.g., environmental reports, debt refinance support or other documents) to ensure compliance and timely processing 1 Additional items may be required depending on eligible financing program. FICO® Scores are the standard measure of credit risk used by lenders to evaluate creditworthiness. 2 Approval is subject to (i) provision and validation of additional information and documentation, if required, (ii) provision and validation of additional SBA certifications, and (iii) issuance of Guarantee by the SBA. By clicking “Accept Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookie Settings Reject All Accept Cookies ![Image 25: Company Logo](https://cdn.cookielaw.org/logos/e45d7d41-2e8a-4a33-af18-5c08767a743f/018deb3f-ce87-77b7-8bbb-e94429e394f1/0ec81e32-bd52-4b56-823c-1099bbe5e1a8/lendistry-logo.png) ## Cookie Consent When you visit our website, we store cookies on your browser to collect information. 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