How it works

From one application to funded

37Lend is a marketplace, not a lender — one application gets checked against a network of lenders, and your account tracks every stage until you’re funded.

1. 1

   Application

   Tell us about your business

   What you need funding for, your business details, ownership, and financials. Most of it takes a few minutes; we ask for a Social Security number and EIN only to verify identity and the business, never to run a hard credit check at this point.

2. 2

   Processing

   We verify your business — you don't have to do anything

   A soft credit check and business verification run in the background against our lender network. You can watch progress from your account; nothing here affects your credit score.

3. 3

   Offers

   Compare real offers, side by side

   Every lender that can fund your business sends back real terms — amount, rate, term, fees, total cost, funding speed. Compare them in one place and pick the one that fits, or ask your advisor questions first.

4. 4

   Closing

   Accept, sign, and clear final items

   Accepting an offer is the point a lender may run a hard credit inquiry — we'll always tell you before that happens. Sign your documents and clear any last requirements from your account.

5. 5

   Funded

   Funds move to your account

   Once closing is complete, your lender sends funds directly. Your account keeps a record of everything — offer terms, documents, and your advisor's contact — for as long as you need it.