Featured program
CRE 50% Equity Program
A commercial real estate initial-review path built around a meaningful equity position.
Commercial capital catalog
Products and pricing context, clearly stated.
Explore the commercial-capital paths lendDEFY publishes, learn which business facts shape an initial conversation, and understand why a public rate card would not describe a specific commercial transaction accurately.
No hard credit inquiry is initiated by lendDEFY when you submit a capital profile or complete this application. A future capital provider may separately request credit information only through its own process, with any separate consent and disclosures it requires.
Published pathways, not quotes. Product pages explain possible use cases and initial-review factors.
Written terms control. Final obligations and compensation disclosures belong in the relevant written agreements.
Human review first. Start with business-purpose facts before sharing sensitive records.
Five capital categories
Choose the business question before you choose a product name.
Every category below links to the live catalog and each product detail page. The most useful first step is to identify whether the opportunity centers on property, operating timing, a productive asset, trade or program context, or a more complex capital stack.
Category 01
Commercial real estate
Acquisition, transition, construction, and property-backed capital.
Start human reviewPermanent capital
Commercial Property Purchase & Refinance
Longer-term financing paths for owner-occupied and investment commercial property.
Development capital
Commercial Construction Loans
Draw-based financing for ground-up projects and major commercial redevelopment.
Interim capital
Commercial Bridge & Transitional Loans
Shorter-term capital for property transitions, acquisitions, or value-add plans.
Portfolio liquidity
Commercial Equity Access
Ways to access commercial property equity without a full asset sale.
Category 02
Working capital & operating
Flexible capital for business growth, liquidity, and operating needs.
Start human reviewOperating capital
Working Capital Loans
Shorter-term capital for payroll, growth initiatives, and day-to-day business needs.
Flexible liquidity
Commercial Lines of Credit
Revolving commercial capital to manage timing gaps and recurring business needs.
Growth capital
Commercial Term Loans
Lump-sum commercial capital repaid on a defined schedule.
Category 03
Asset-backed & equipment
Collateral-aware financing for equipment, receivables, inventory, and more.
Start human reviewAsset finance
Equipment Financing & Leasing
Finance machinery, vehicles, technology, and revenue-producing equipment.
Collateral formula
Asset-Based Lending
Lines or term structures tied to eligible receivables, inventory, or equipment.
Cash-flow acceleration
Invoice Factoring & Receivables Financing
Unlock capital tied up in eligible customer invoices.
Revenue-linked capital
Merchant Cash Advance
A commercial advance structure connected to future business receipts.
Stock & serialized assets
Inventory & Floorplan Financing
Capital for eligible inventory, raw materials, finished goods, and dealer floorplans.
Category 04
Trade & government programs
Supply-chain solutions and qualifying government-backed programs.
Start human reviewCommercial trade
Trade & Supply Chain Finance
Capital structures for purchase orders, suppliers, letters of credit, and supply-chain needs.
Government-backed
SBA Commercial Financing
Qualifying SBA 7(a) and 504 pathways for business, equipment, and owner-occupied property needs.
Rural business
USDA Business & Industry Financing
Qualifying government-backed capital for eligible rural business and commercial projects.
Category 05
Structured & corporate capital
Flexible capital-stack solutions for complex or larger transactions.
Start human reviewCapital stack
Mezzanine & Subordinated Capital
Flexible capital that sits behind senior debt for complex growth and transaction needs.
Larger transactions
Syndicated & Corporate Financing
Capital coordination for larger commercial facilities, projects, and corporate finance needs.
1. Define the event
Name the specific business purpose.
A purchase, property need, contract, payroll cycle, inventory run, acquisition, expansion, or debt question creates different review facts.
2. Organize the facts
Bring context, not assumptions.
Requested amount, timing, business and asset context, existing obligations, and the intended result help determine a more relevant next conversation.
3. Review transaction terms
Read the actual terms with qualified help.
A provider, adviser, accountant, or attorney may be needed to evaluate pricing, collateral, guaranties, tax treatment, legal terms, and risks for your facts.
Products and pricing FAQ
Clear answers before a commercial-capital conversation.
These answers explain the catalog and pricing disclosures without implying that a published path is a financing offer or a rate quote.
Products and pricing answer library
Plain-language catalog and pricing answers
Does lendDEFY publish product-specific pricing tiers?
No. Product-specific pricing tiers, interest rates, factor rates, APRs, points, lender fees, commissions, loan amounts, and total-cost figures are not publicly published because they depend on the transaction, applicable capital provider, structure, documentation, underwriting, collateral review, and written agreements.
What fees does lendDEFY disclose publicly?
lendDEFY states that it may be compensated through origination, referral, and capital-provider fees. The payor, amount, timing, and required disclosure can vary by transaction. For the company-only charge-card preparation pathway, the published model states that no money is due up front and no lendDEFY service fee is charged if there is no applicable provider approval. The applicable written agreement governs the actual terms.
How do I know which capital path fits my business?
Start with the business event: the use of funds, requested amount, timeline, business or asset context, current obligations, and the operating result you are trying to support. The product descriptions explain intended uses and initial-review facts, but a human review is needed before treating a path as relevant to a specific opportunity.
Is the product catalog an offer or approval?
No. The catalog is commercial-capital education. It does not create an offer, approval, commitment to lend, lender match, guaranteed funding amount, rate, term, fee, or closing date. Eligibility, documentation, collateral, underwriting, availability, and final terms remain transaction- and provider-specific.
Does reviewing products or starting a profile create a hard credit inquiry?
No hard credit inquiry is initiated by lendDEFY when you submit a capital profile or complete this application. A future capital provider may separately request credit information only through its own process, with any separate consent and disclosures it requires.
A responsible next step
Begin with a human-reviewed commercial-capital profile.
Share only the high-level business-purpose facts needed for the first conversation. Sensitive documents belong in a secure workflow when staff requests them.