The money goes out before it comes in. That is every business there is. See what you qualify for based on what lands in your bank account, not your credit score.
See What My Deposits Qualify For →About 60 seconds. No credit pull. No cost.
The Gap
It shows up two ways. Most owners live one of them.
If you invoice
The job is done. The invoice went out. Net 30, maybe net 60.
Friday comes anyway. So do the material bills. So does the fuel.
You earned that money. You just cannot touch it yet.
If you get paid on the spot
You get paid the same day. That is not the problem.
The problem is you buy first. The inventory, the truck, the thing that broke on a Tuesday.
The money has to leave before it can come back.
Either way you do what everybody does. You float it on a card. You pay people late and hope nobody quits. You pass on the next job because you cannot cover two at once.
That last one is the one that hurts. Turning down work you could have done.
Materials and labor go out first. The draw comes later.
You treat the patient today. Insurance pays when it feels like it.
Your people get paid weekly. Your client pays in 45.
Cash comes in daily. Then the walk-in dies on a Tuesday.
You buy the season in August. It pays you back in November.
The lift, the chair, the machine. It breaks before you saved for it.
Different business. Same gap. Every single month.
The Diagnosis
A bank starts with your credit score. That score is a story about your past. It does not know the job you finished last week or the invoice sitting in your customer's system right now.
So the bank sees a number. It does not see a business.
What the bank looks at
Decision: no.
What it never opens
Most small businesses fail this test. Big banks fully approved about 13 out of every 100 who applied. Lenders outside the big banks approved about 30.
The difference is not the businesses. It is what each one reads first.
Biz2Credit Small Business Lending Index, November 2023.
No credit pull. No cost. About 60 seconds.
Old Way vs New Way
Same business, same numbers. The only thing that changes is who sees your file.
The old way
The Deposit Match
The Mechanism
Three steps. This is the whole thing.
We ask what comes into your business account each month, how long you have been open, and what you already owe. We do not ask for your credit score to be pulled.
Some lenders start with your credit. Others start with your deposits. We know which ones do which. Only the second group sees your file.
You answer once. We send that one file to the lenders most likely to say yes to it. No filling out the same thing over and over.
We do not approve anything. We do not set your rate. We never touch your money. Lendihub is the matching step.
What we know is which lenders read bank statements and which ones start with credit. That one piece of knowledge is what saves you the six weeks.
No credit pull. No cost. About 60 seconds.
Side By Side
| Applying on your own | The Deposit Match | |
|---|---|---|
| Forms to fill out | One per lender | One, total |
| Credit pulls to look | One per lender | None |
| Time to first answer | Two to four weeks at a bank | Often the same day |
| Who reads your file | Whoever you happened to find | Lenders who read deposits |
| What it costs you | Your time, over and over | Nothing, ever |
Reasons Why
Nobody explains why. So it starts to feel like a catch. It is not.
Lenders pay to meet businesses that fit what they fund. That is where our money comes from. If nobody funds you, we earn nothing. You never pay us, at any point.
Deposits are the one number every lender in this group starts with. Ask it first and we know in seconds who would look at you. Ask it last and we waste your time.
Looking should not cost you anything, including points. A lender may check later if you go forward with them. That is their step, and it happens after you decide, not before.
If your numbers do not clear the bar, we say so on the spot. Sending a file nobody will fund wastes your afternoon and costs us the lender's trust. A fast no is worth more to both of us than a slow maybe.
No credit pull. No cost. About 60 seconds.
From Business Owners
"As a contractor, sometimes I have to pay for materials and labor before getting paid for the job. The funding helped bridge that gap and gave me more breathing room with cash flow."
"I liked being able to compare more than one funding option instead of being pushed toward the first thing available. It made the decision easier."
"Straightforward and easy to understand. No confusing explanations. I knew the estimated payment, amount, and terms before moving forward."
"I liked that I wasn't pressured into accepting anything. They showed me the available options and gave me time to decide what worked best for my business."
Amounts shown are what each business secured through a lending partner. Not typical results, not an offer, and not a promise of approval.
No credit pull. No cost. About 60 seconds.
Do You Clear The Bar
If that is you, we will say so instead of running you through a form for nothing.
No credit pull. No cost. About 60 seconds.
The Cost Of Waiting
Three deadlines are already running against you. Two of them have dates on them.
Think of the last job you passed on because you could not cover it up front. Take what you would have cleared on it.
That is what one month of waiting already cost you. It happens again next month, and the month after.
Almost nobody adds it up. It is usually bigger than the funding.
Section 179 lets you write off the full cost of equipment in the year you buy it. The catch is the date. It has to be running by December 31. Not ordered. Not paid for. Running.
Order it in late December and you miss by weeks. The write-off moves to next year and you carry the cost for twelve extra months.
The 2026 limit is $2,560,000, and it starts phasing out past $4,090,000. Most small businesses are nowhere near either number, which is the point: the whole cost comes off this year.
We are not accountants and this is not tax advice. Ask yours what it means for you. Source: section179.org, 2026 figures.
October through December is the busiest stretch of the year. Holiday inventory, equipment bought before the deadline above, lenders racing their own year-end numbers.
Every one of those files lands on the same desks yours does. The line is short right now. It will not be in three weeks.
No credit pull. No cost. About 60 seconds.
Our Guarantee
The worst stories in this business all start the same way. Somebody found out something after they signed. Here is what we promise you will not.
We do not pull your credit to show you options. Not a soft pull, not a hard one. You can look and walk away and nothing changed.
There is no fee, no application cost, and nothing taken out of what you get funded. A lender pays us only if one funds you.
Every lender you meet through us puts three numbers in writing first. What the payment is. How often it comes out. The total you pay back. You see all three before you sign anything.
If one will not, tell us. We pull them from our list. That is the whole guarantee, and it is the one we can actually keep, because we choose who gets our introductions.
What we cannot promise is an approval. We are not the lender, so we do not decide that. What we can promise is that nothing about this surprises you, and that looking costs you nothing.
You can walk away at any point and owe nobody anything.
Before You Decide
Is this a loan or an advance?
Could be either. It depends on the lender and your numbers. You see which one it is, and the terms, before you sign.
My credit is bad. Am I wasting my time?
Not on its own. These lenders start with your deposits. Credit can still matter, but it is not the first gate.
Will this hurt my credit score?
Looking does not. We do not pull your credit. If you go forward with a lender, they may check at that point.
How fast does money show up?
Many of these lenders fund in a few business days. Some are faster. Nobody can promise a date before they see your file.
Am I going to get called by ten people?
Your file goes to lending partners who fund businesses like yours. It does not go on a call list that gets resold.
What if I look and change my mind?
Then you change your mind. Nothing is binding until you sign with a lender yourself. You owe nobody anything for looking.
You cannot move when your customer pays you. You can move who reads your file.
It takes about a minute and costs you nothing.
Show Me My Options →No credit pull · No cost · Nothing binding