# 37Lend: business funding marketplace and AI-native software studio

> 37Lend connects lenders, real estate teams and the intelligence they need to move from first look to confident decision. It is a funding marketplace (one application, real offers from 75+ lenders) and a systems studio that builds custom AI-native software for lenders and real estate teams.

Source: https://www.37lend.com/

## At a glance

- **75+ lenders** in the network. One application is checked against all of them.
- **9 funding products**, from term loans to invoice factoring, matched to what the business actually needs.
- **0 impact on your credit score.** Checking your options is a soft inquiry.
- **About 6 minutes** to complete an application, mostly business details you already know.

## Two ways in

37Lend is a funding marketplace and a systems studio. Most people arrive through one and discover the other.

### For businesses: find funding that fits

One application, real offers from a network of lenders, and a clearer way to compare what comes next.

- One application, checked against the whole network
- Real terms: amount, rate, fees, total cost, funding speed
- A soft inquiry to look; a hard pull only if you accept

Check your options: https://www.37lend.com/login?next=/applications/new

### For finance teams: build the system you wish existed

Custom AI-native software for lenders and the wider real estate ecosystem, designed around your actual workflow. See [the systems studio](https://www.37lend.com/software.md).

## How it works: from one application to funded

No phone tree, no chasing lenders one at a time. You apply once and watch the process from your account.

1. **Application: tell us about your business.** What the funding is for, plus your business details and financials. About six minutes.
2. **Processing: we verify in the background.** A soft credit check and business verification run against the lender network. Nothing affects your score.
3. **Offers: compare real offers side by side.** Every lender that can fund you returns real terms. Compare them in one place, or ask an advisor first.
4. **Closing and funding: accept, sign, get funded.** We tell you before any hard inquiry. Once closing is done, your lender sends funds directly.

Full walkthrough: [How it works](https://www.37lend.com/how-it-works.md)

## What you can hold us to

- **Told before any hard pull.** Looking uses a soft inquiry. A lender may run a hard inquiry only when you accept an offer, and you hear about it first.
- **Every offer shown, none buried.** You see each offer a lender sends back, sorted by what matters to you: cost, payment, amount or speed.
- **Your data, your permissions.** Encrypted in transit and at rest, shared only with the lenders you apply through, and never sold.
- **Talk to a person.** Book a time with our team to talk through your options, before or after you apply: https://meetings-na2.hubspot.com/jpande

## Funding options

You don't need to know which product you need. Tell us what the money is for. We route one application across the network and bring back every option your business qualifies for:

Term loan, line of credit, SBA loan, merchant cash advance, invoice factoring, A/R financing, equipment financing, purchase of receivables, business credit card.

Compare them: [Funding options](https://www.37lend.com/products.md)

## The 37Lend systems studio

We also build the software the rest of the industry is missing. We partner with lenders in the UK and US, plus the people moving real estate forward, to build custom AI-native B2B software.

- **Connect the systems.** Unify LOS, CRM, property, title, servicing and internal data without forcing your team into another silo.
- **Give teams leverage.** Turn documents, research and repetitive decisions into guided workflows with human review where it matters.
- **Keep the context yours.** Deploy around your data boundaries, permissions and regulatory requirements, not a public model's defaults.

## A better default

Financial technology should earn trust at every handoff.

1. **One connected view.** Bring lender, borrower, property and capital data into the same operating picture.
2. **Built for the hard parts.** Model the exceptions, approvals and handoffs that off-the-shelf tools leave behind.
3. **Ready for what is next.** Add AI where it creates leverage, with controls your team can explain and trust.

## Get started

See what you qualify for in about six minutes. No hard credit pull to look. Compare real offers, then decide.

- Apply: https://www.37lend.com/login?next=/applications/new
- Book a time with our team: https://meetings-na2.hubspot.com/jpande

37Lend is a funding marketplace, not a lender. Loans and other financing are made by third-party lenders in our network; terms, rates and eligibility vary by lender, state and business profile. Checking your options uses a soft inquiry that does not affect your credit score. A lender may run a hard inquiry only if you choose to accept an offer.