Clear answers before the next step

Legacy Lending helps businesses evaluate asset-based financing, revenue-based financing, working capital, growth capital, acquisition and equipment financing, recapitalizations, refinancing, bridge financing, cash-flow lending, and real estate-supported credit. The structures available depend on the business, use of funds, financial profile, collateral, and transaction.

Commercial financing is generally intended for established or growing businesses with a defined capital need and enough information for review. Eligibility may depend on operating history, revenue, cash flow, assets, credit profile, ownership, existing obligations, and transaction specifics. Every request is reviewed individually.

An initial review may begin with company and ownership details, the requested amount and use of funds, recent business bank statements, current and prior-year financial statements, a debt schedule, and relevant transaction information. Depending on the structure, underwriting may also request tax returns, receivables or payables aging, inventory or equipment lists, contracts, or other supporting documents.

Facility size and term vary by structure. The review may consider the use of funds, cash flow, revenue, eligible assets or collateral, existing debt, repayment capacity, and requested timing. Any amount or term discussed before final approval and documentation is indicative only.

Requirements vary by transaction. A facility may be secured by receivables, inventory, equipment, real estate, or other business assets, and corporate or personal guarantees may be required. Any collateral, lien, or guarantee requirement is confirmed through underwriting and final documentation.

Rates, fees, payment terms, and other economics depend on the product, amount, term, business and credit profile, collateral, market conditions, and jurisdiction. Applicable terms are presented for review before final documentation. Website information is not a quote, approval, or commitment.

After basic information is shared, Legacy Lending reviews the opportunity, identifies structures or financing sources that may fit, requests relevant documents, and coordinates underwriting, diligence, documentation, and closing. Initial review and funding timelines vary with complexity, information completeness, third-party requirements, and closing conditions; timing is not guaranteed.

Existing debt does not automatically prevent a review. Refinancing, restructuring, payoff, consolidation, or bridge options may be evaluated. Current balances, payment history, liens, payoff requirements, subordination or intercreditor needs, and overall leverage may affect eligibility and structure.

Legacy Lending primarily serves established and growing businesses. Earlier-stage or startup requests may have fewer available options and are evaluated individually based on revenue, assets, contracts, sponsorship, transaction support, and other underwriting factors.

Legacy Lending evaluates requests across business services, consumer and retail, distribution and wholesale, food and beverage, manufacturing, transportation and logistics, technology-enabled businesses, and other commercial sectors. Certain industries or uses may be restricted by a financing source or applicable law.

No. Submitting the website questionnaire starts a conversation and does not obligate you to accept financing. It is not an application for credit, approval, or commitment. Any financing is subject to application, underwriting, eligibility, verification, approval, and final executed documentation.

Information is handled as described in the Privacy Policy. It may be used to evaluate a request and, with applicable authorization, shared with potential financing sources and transaction participants. Do not send passwords, bank login credentials, or highly sensitive documents through ordinary email; use a secure delivery method when one is provided.