Fast
Apply in minutes, get a decision within 24 hours, and receive funding as fast as the same business day. No lengthy paperwork or weeks of waiting.
Flexible business funding
Fast. Flexible Funding. Approved in 24 Hours.
Business funding from $25K to $500K with same-day decisions. Second positions available — solutions others can't offer, so you can get back to business.
- No upfront fees
- Approved in 24 hours
- $25K – $500K funding
Why Choose Lendium
Business Funding Without the Runaround.
Flexibility
Already have existing funding? We offer second position financing and flexible terms that work alongside your current obligations — solutions most funders won't touch.
Service
Every client gets a dedicated funding specialist — a single point of contact who understands your business and guides you through the entire process.
Our Difference
We Put Merchants First
Lendium is not another big, impersonal lender. We combine better customer service, faster approvals, and the ability to fund second positions with the personal touch of a dedicated team that knows your name.
Most business owners come to us after being turned away by banks or stuck waiting weeks for a decision. We review your application the same day, assign a dedicated funding specialist to your file, and deliver a clear offer with transparent terms — no hidden fees, no surprises.
Whether you need working capital to cover payroll, inventory for a seasonal surge, or equipment to scale operations, our flexible funding solutions adapt to your business — not the other way around.
About
Merchant Focused. Results Driven.
Founded in Raleigh, Lendium was built on a simple idea: business owners deserve a funding partner who picks up the phone, moves fast, and actually understands their needs.
Our team brings decades of experience in merchant cash advances, revenue-based financing, and working capital solutions. We specialize in industries that traditional lenders overlook — restaurants, retail, ecommerce, healthcare, and professional services.
Every application is reviewed by a real person, not an algorithm. We take pride in finding creative funding structures, including second position arrangements, that help businesses access capital when they need it most.
4030 Wake Forest Rd Ste 349, Raleigh, NC 27609
Common Questions
Everything You Need to Know
Can't find your answer? Get in touch — our team responds within the hour.
How fast is the funding process?
We live up to our name. Most applications are approved within 24 hours, and capital can often be delivered the same day.
What are the minimum requirements?
You need at least 6 months in business, a minimum of $10,000 in monthly revenue, and a valid business bank account. We review each application individually and work to find a solution.
What can I use the capital for?
Use it however your business needs: inventory, payroll, equipment, marketing, expansion, or bridging a cash-flow gap. There are no restrictions on how you deploy your funds.
Is there an obligation to apply?
None at all. Applying is free with no commitment. You will receive a clear offer outlining your terms, and you decide if it works for your business.
Do you offer second-position funding?
Definitely — this is one of our key strengths. We provide capital even if you have existing funding agreements, something most funders won't do.
What makes you different from a bank?
Banks require lengthy paperwork, perfect credit, and weeks of waiting. We focus on your revenue and business health, approve in 24 hours, and fund the same day — with a dedicated point of contact throughout.
Ready to Get Funded?
Your dedicated funding expert is waiting. Start your application now.
Apply now