Is Lobi Capital a lender?

No. Lobi Capital is being built as a marketplace that helps small business owners prepare a request and connect with participating funding providers. Any financing agreement will be made directly with the provider.

Does joining the launch list affect my credit?

No. Joining the list is not a credit application and does not require a credit check. A participating provider may request permission for a credit review later.

How fast can funding happen?

Timing will depend on the provider, your business, and the documents required. We will publish specific timelines only after participating providers are integrated.

What information will I need?

Most providers ask about your time in business, revenue, funding purpose, ownership, and recent financial records. The exact request will vary by provider and product.

Is approval guaranteed?

No. Joining Lobi Capital does not guarantee an offer, approval, rate, or funding amount. Each participating provider makes its own decision.

How are rates and terms determined?

The participating provider sets its own rates, fees, repayment terms, and eligibility rules. You should review every disclosure before accepting an offer.

Lobi Capital

Find the right funding path faster.

Prepare your request. See the path ahead. Connect with participating funding providers when the marketplace opens.

Join the launch list

Lobi Capital is not a lender. Providers make all credit and funding decisions.

Funding fit preview

Start with the shape of your request.

No rates. No promises. Just a clearer place to begin.

Funding goal

Time in business

Monthly revenue

Primary use

Your starting point

Funding: $25,000 to $100,000
Business: 1 to 3 years
Revenue: Under $10,000 monthly
Use: Working capital

Funding network

The providers we track.

Banks, fintech lenders, and mission funds that serve small businesses, organized by what each does best.

OnDeck

Best for: Fast term loans

Bluevine

Best for: Credit line plus checking

Fundbox

Best for: Lines up to $150k

Kapitus

Best for: 10+ financing types

Credibly

Best for: Fast working capital

Amex Business Blueprint

Best for: Lines up to $250k

Pipe

Best for: Embedded capital

Parafin

Best for: Embedded lending

REIL Capital

Best for: 24 to 48 hour funding

Live Oak Bank

Best for: Largest SBA 7(a) lender

Huntington Bank

Best for: Midwest SBA leader

Byline Bank

Best for: Chicago SBA leader

T Bank

Best for: Nationwide SBA preferred

The Bancorp

Best for: SBA referral network

Pursuit

Best for: 15 loan programs

United Midwest

Best for: SBA and USDA loans

Accion Opportunity Fund

Best for: Startup microlending

CRF USA

Best for: Hands-on applications

Kiva

Best for: 0% crowdfunded microloans

Why Lobi Capital

Funding is complicated. Your first step should not be.

Start in one place

Describe what you need before choosing a product or provider.

See the next step

Know what information may be requested before the formal process begins.

Meet participating providers

Continue with a provider whose product may fit your business.

How it works

A smaller first step.

You do not need to know the product name. Start with the job the money needs to do.

Apply

Share the amount you have in mind and the job the money needs to do, like covering payroll, buying equipment, or stocking inventory. You do not need to know whether that calls for a loan, a line of credit, or something else. That translation is our job.
We explain which funding types are commonly used for your situation, what information a provider will likely ask for, and what trade-offs to expect, such as speed versus cost. No rates or approvals are quoted at this stage.
When provider integrations are live, launch-list members hear first and can move forward with a provider whose product fits. Joining the list is free, is not a credit application, and never obligates you to accept an offer.

Built for small business

Money has a job to do.

Name the job first. The product comes second.

Working capital

Equipment

Inventory

Expansion

Learn before you borrow

Know the product before someone sells you one.

Short guides on how each type of small business funding works, what it costs, and who it fits.

A notebook of handwritten funding notes beside a calculator, coffee cup and printed loan comparison sheets on a cream desk

Small Business Funding: How the Money Actually Works

Five ways small businesses borrow, what each one costs in practice, and how to pick the one that matches the job the money has to do.

Read the guide

A desk calendar, a repayment schedule marked with green highlighter, a pen and a stack of cash on a cream table

Short Term Loans and Lines of Credit: Which One Fits

A lump sum and a revolving line solve different problems. How each is priced, what a factor rate really costs, and what daily payments do to cash flow.

Read the guide

An organized folder of business financial documents and a government style application form with reading glasses on a cream desk

SBA Loans: What It Actually Takes to Qualify

The cheapest money most small businesses can get is also the slowest. What 7(a) and 504 are for, what lenders ask for, and how to be ready.

Read the guide

A stack of unpaid customer invoices beside a laptop showing a spreadsheet and a green marker on a cream desk

Borrowing Against Money You Are Owed

Invoice factoring and merchant cash advances both turn future revenue into cash today. They are not the same product, and one is far more expensive.

Read the guide

Two blank matte business credit cards resting on a cream leather notebook beside a coffee cup

Business Credit Cards: The First Funding Most Owners Get

A card is the easiest credit to get and the easiest to misuse. When it is the right tool, what a personal guarantee means, and where it stops being cheap.

Read the guide

A clipboard with a financing checklist on a stainless steel counter in a small commercial kitchen with new equipment

Equipment Financing: Let the Machine Pay for Itself

When the thing you are buying is the collateral, the math changes. Loan against lease, what approval hinges on, and when it beats a general loan.

Read the guide

FAQ

Before you join

Still unsure? Send us a message and we will walk you through the right plan.

Start before you need the money.

Join the list now. We will tell you when the marketplace is ready.

Join the launch list

Lobi Capital is a marketplace and referral service, not a lender. Joining the launch list does not constitute a credit application and does not guarantee eligibility, an offer, approval, rates, terms, or funding. Participating providers will set their own underwriting standards, rates, fees, and terms. Review all provider disclosures before accepting financing.