We make business funding simple.
Working capital, equipment loans, and lines of credit — funded fast, explained clearly, with a real person behind every application.
Financing built around how your business runs
Working Capital
Short-term funding to cover payroll, inventory, or day-to-day expenses.
- $5K–$5M
- Same-day business funding
- 3–18 month terms
Equipment Financing
Finance new or used equipment without draining working capital.
- Up to 100% of cost
- Terms up to 7 years
- Keep cash flow intact
Line of Credit
Draw funds when you need them, pay interest only on what you use.
- Up to $350K
- Revolving access
Three steps between you and funding
Tell us about your business
A short form covering revenue, time in business, and what the funding is for. About five minutes.
Talk to a specialist
We review your options and walk through rates and terms before you commit to anything.
Get funded
Sign, and funds land in your business bank account — often within one to two business days.
Every way we help businesses get funded
Working Capital
Short-term funding to cover payroll, inventory, or day-to-day expenses while you wait on receivables.
- $5K–$5M
- Same-day business funding
- 3–18 month terms
Equipment Financing
Finance new or used equipment without draining the cash you need to operate.
- Up to 100% of cost
- Terms up to 7 years
- Tax-advantaged options
Line of Credit
Draw funds when you need them and pay interest only on what you use.
- Up to $350K
- Revolving access
Invoice Factoring
Sell outstanding invoices for immediate cash instead of waiting on client payment terms.
- Up to 90% advance rate
- No new debt incurred
- Approval based on invoices, not credit
Business Credit Card
Everyday spending power with rewards built for how businesses actually spend.
- No annual fee options
- Cash-back on common categories
- Employee cards included
Commercial Real Estate
Purchase, refinance, or renovate business property with long-term fixed financing.
- Terms up to 25 years
- Competitive fixed rates
- Owner-occupied or investment
Funding shaped by the way your industry operates
Retail
Inventory financing and working capital timed to seasonal demand.
Restaurant
Equipment financing and working capital for kitchens and renovations.
Healthcare
Financing for equipment, expansion, and receivables cycles.
Construction
Bridge financing between project milestones and payments.
Transportation
Fleet and equipment financing built around fuel and maintenance cycles.
Manufacturing
Equipment and working capital financing for production cycles.
Funding shouldn't feel like a maze.
Light On Fund was built for business owners who are tired of confusing terms, slow answers, and financing that doesn't fit how they actually operate. We connect businesses with fast, transparent funding — and a real specialist who explains every term before you sign.
Update this section with your company's real founding story, mission, and team once you have it — this is placeholder copy.
Our mission
Turn the light on for businesses that just need a clear path to capital.
Transparency
Every rate and term explained plainly, before you sign anything.
Speed
We know cash flow gaps don't wait — so neither do we.
Partnership
A dedicated specialist who sticks with you past the first check.
We'll get back to you fast
Questions about a product, your application, or anything else — reach out below.
Send a message
Message sent
We'll follow up within one business day.
Common questions
No — pre-qualifying uses a soft credit check, which doesn't impact your score.
Most applicants hear back within 24 hours, with funding often following within one to two business days after approval.
Requirements vary by product, but most applicants need at least 6 months in business and consistent monthly revenue.
No — checking your eligibility and applying is completely free.
See what you qualify for
Checking your options here won't affect your credit score. A specialist will follow up to walk through real numbers.
- 2 minutes to complete
- No obligation to proceed
- A real person reviews every application
Get approved
Thanks — you're in.
A funding specialist will reach out shortly to go over your options.
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