From merchant cash advances to commercial real estate — Lightning Advance funds you directly. Capital when you need it, as fast as 24 hours.
Get a lump sum upfront in exchange for a percentage of future sales. Fast, flexible, and no fixed monthly payments.
Fixed funding with predictable repayment schedules. Ideal for planned investments and long-term growth.
Access capital on demand. Draw what you need, when you need it, and only pay interest on what you use.
Finance the equipment your business needs without draining cash reserves. The equipment itself serves as collateral.
Purchase, refinance, or renovate commercial property. Competitive rates for owner-occupied and investment properties.
Government-backed loans with low rates and long terms. We guide you through the entire SBA process start to finish.
Three steps between you and your capital.
Fill out our simple application with basic business and owner info. No lengthy paperwork, no runaround — just the essentials to get you started.
Our funding experts review your application and craft the best offer for your situation. Most approvals happen within 24 hours.
Funds hit your account and you get back to doing what you do best. Capital deployed, opportunity seized.
Most businesses qualify. We look beyond credit scores to understand your full picture.
Apply in minutes with no credit impact.
Check My OptionsTakes less than 5 minutes · No hard pull
"Lightning Advance got us funded in under 24 hours. No fluff, no delays. Exactly what a growing business needs."
"We tried 3 other lenders before Lightning Advance. They were the only ones who actually looked at our business, not just our credit score."
"Straightforward process. Got my equipment financing approved and equipment delivered within the week. Incredible team."
"The line of credit has been a game changer for managing cash flow during slow seasons. I draw what I need and pay it back fast."
"SBA loan process was intimidating but the Lightning Advance team walked me through every single step. Funded in 3 weeks."
"Couldn't believe how fast the MCA hit my account. Applied Monday, funded Tuesday. My business needed that capital NOW."
"Commercial real estate deal closed without a hitch. Lightning Advance made what seemed complex feel completely manageable."
"Fast, honest, professional. No hidden fees, no surprises. This is how business lending should work."
"Lightning Advance got us funded in under 24 hours. No fluff, no delays. Exactly what a growing business needs."
"We tried 3 other lenders before Lightning Advance. They were the only ones who actually looked at our business, not just our credit score."
"Straightforward process. Got my equipment financing approved and equipment delivered within the week. Incredible team."
"The line of credit has been a game changer for managing cash flow during slow seasons. I draw what I need and pay it back fast."
"SBA loan process was intimidating but the Lightning Advance team walked me through every single step. Funded in 3 weeks."
"Couldn't believe how fast the MCA hit my account. Applied Monday, funded Tuesday. My business needed that capital NOW."
"Commercial real estate deal closed without a hitch. Lightning Advance made what seemed complex feel completely manageable."
"Fast, honest, professional. No hidden fees, no surprises. This is how business lending should work."