Our most popular option
LexLoc, the Lexington Line of Credit
On-demand working capital through a flexible, revolving structure. Draw funds as your business needs them, repay on your schedule, and reuse your line without reapplying.
- Structure
- Revolving line: draw, repay, reuse
- You pay
- Interest only on what you draw
- Qualifying
- Minimal barriers, built for businesses at any stage
- Bonus
- Builds your relationship with major banks for higher limits later
Best for:
Cash flow gaps, payroll between contracts, opportunities that won't wait
Same-day funding available
Business line of credit
Access funds on an as-needed basis and pay interest only on the amount used. Once you repay, the limit resets, so the money is there the next time you need it.
- Structure
- Revolving credit limit
- Speed
- Streamlined approval with same-day funding available
- Requirements
- Options with no minimum time in business and no revenue requirements
- You pay
- Interest only on funds you use
Best for:
Managing cash flow and handling unforeseen expenses
A lump sum with a set schedule
Term loan
A fixed amount of capital upfront, repaid in regular installments over a set term, from a few months to several years. Choose a fixed rate for predictable payments or a variable rate.
- Structure
- Lump sum upfront
- Repayment
- Regular installments, often monthly
- Term
- A few months to several years
- Rates
- Fixed or variable
Best for:
Expansions, equipment purchases and specific projects
Long terms, government-backed
SBA loans
Long-term, low-payment financing backed by the U.S. Small Business Administration. Our in-house SBA team connects you with SBA-approved lenders and keeps your file complete.
- SBA 7(a)
- Up to $5 million, typically Prime + 1–3%
- SBA 504
- Up to $5.5 million for real estate and fixed assets
- SBA Express
- Up to $500,000, approval typically within 36 hours
- Terms
- Up to 10 years for working capital, 25 for real estate
Best for:
Expansion, acquisitions, commercial real estate and refinancing debt
Get the tools without the upfront cost
Equipment financing
The lender buys the equipment and you spread the cost over manageable installments, keeping your capital free for everything else that grows the business.
- Structure
- Lender purchases, you pay over a fixed period
- Covers
- Machinery, technology, vehicles
- Keeps
- Your cash for other strategic moves
- Guidance
- Shop with experts who know equipment deals
Best for:
Machinery, trucks, kitchens, tech upgrades
Built around the property
Commercial and investment real estate loans
Purchase, refinance or leverage property with programs that weigh the deal itself: rental income, value and your exit strategy, not just personal income.
- DSCR / rental
- 30-year fixed or adjustable, 15–20% down
- Fix & flip
- 6–24 months, interest-only, based on after-repair value
- Bridge
- 6–12 months to close fast
- Also
- Ground-up construction, cash-out refinance, HELOC
Best for:
Buy-and-hold investors, flippers, builders and owner-occupied buildings
Fast money for day-to-day costs
Working capital
Short-term business financing so you always have enough on hand to cover routine operating costs. Fast disbursement and concise repayment timelines.
- Speed
- Swift disbursement
- Repayment
- Short, concise timelines
- Use
- Payroll, inventory, rent and immediate needs
- Not for
- Large long-term acquisitions
Best for:
Seasonal swings and immediate operating needs
Turn invoices into cash
Accounts receivable financing
Use outstanding invoices to unlock a lump sum now. You receive an upfront percentage of the invoice value, and the balance (less a factoring fee) once your customers pay.
- Collateral
- Your outstanding invoices
- Upfront
- A percentage of the invoice value
- Collections
- Handled by the factoring company
- Balance
- Paid when invoices settle, minus a fee
Best for:
B2B companies waiting on net-30 to net-90 payments
Lexington Capital Holdings is a financial marketplace and brokerage, not a direct lender. We assist businesses in finding the best funding solutions by working with a network of trusted lending partners. Loan terms, rates, and approvals are determined by the lending institutions. Offerings and eligibility requirements vary by lender.
