Lending by JLFG.
Straight talk on working capital for small business.
Educational resources, real quote conversations, and a monthly newsletter for owners of small and medium-sized businesses weighing their financing options. Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect, because the financing is secured against future receivables. No upsell, no credit-pull pressure — just plain-English explanations a competent broker should always provide upfront.
What I help with
I'm a working broker — I source financing for small and medium businesses across multiple lender relationships and route each deal to the lender most likely to underwrite it well. The goal is fit, not "any-yes-is-a-good-yes." Below are the product categories I work with most.
Working capital advances & MCAs
Short-term, revenue-based capital. Underwritten on monthly revenue and future receivables — not credit score, so accessible to businesses traditional banks decline. Fast funding (24-72 hrs), daily/weekly payback. Best fit for time-sensitive opportunities, growth investments, and capital that needs to deploy fast.
Typical: $25K–$500K · 3–18 months · funded in 24–72 hrs · revenue-based
Term loans
Fixed-amount, fixed-payment loans for clearly defined uses (equipment, expansion, refinance). Lower cost than a working capital advance but slower to underwrite — you'll provide tax returns, P&L, balance sheet.
Typical: $50K–$2M · 12–60 months · funded in 1–4 weeks
Lines of credit
Revolving facility you draw against as needed. Pay interest only on the drawn balance. Best for businesses with bursty capital needs — payroll smoothing, AR float, opportunistic inventory.
Typical: $25K–$500K · revolving · funded in 1–3 weeks
Equipment financing
Loan or lease against the specific equipment being purchased. The equipment serves as collateral, so terms are usually better than unsecured working capital. Most equipment vendors have preferred lenders, but shopping it out almost always saves money.
Typical: $10K–$5M · 24–84 months · funded in 1–2 weeks
Invoice factoring (AR financing)
Sell your unpaid invoices for immediate cash (typically 80–90% advance). Best for B2B businesses with creditworthy customers but slow-pay terms (NET-60+). The factor collects from your customer; you get the residual.
Typical: 80–90% advance · 1–4% factor fee · funded in 24–48 hrs
SBA loans (referral)
I'm not an SBA-approved lender, but I have working relationships with several preferred lenders and refer when an SBA 7(a) or 504 is the right product. SBA is slow (60–120 days) but the cheapest cost of capital available to most SMBs.
Typical: $50K–$5M · 7-25 years · funded in 60–120 days
What I'm not: a lender. Jon Lynch Financial Group is a brokerage — I source financing from third-party lenders. I am not a money transmitter, not a bank, not a registered investment advisor. I do not directly originate, fund, or service loans. Compensation is paid by the lender, never by you the borrower.
How a quote conversation usually goes
Most owners are surprised at how short the first conversation is. We need 5 facts to give you a meaningful quote range:
- What's the business (industry, years in operation)?
- Average monthly revenue (last 6 months)?
- How much capital are you looking for?
- What are you using it for?
- How fast do you actually need it?
From those 5 facts, I can give you a realistic quote range and tell you which 2-3 lender categories make the most sense. If we proceed, I'll need 3-6 months of bank statements + a basic merchant application — about 15 minutes of your time.
Industries we lend to
Each industry has different revenue patterns, seasonality, and best-fit products. Click into any of these for industry-specific guidance:
Restaurant & Food Service
Strong cash flow with seasonal swings. Working capital, equipment, SBA build-out.
AutomotiveAuto Repair & Body Shop
Insurance settlements, parts inventory, lift + paint booth equipment.
HealthcareMedical & Dental Practice
Insurance AR factoring, equipment, EHR, practice acquisition.
ConstructionConstruction & Trades
Material pre-buys, equipment, progress-payment bridge, mechanic's lien aware.
RetailRetail & E-commerce
Q4 inventory + marketing financing. Platform-deposit working capital.
TransportationTrucking & Transportation
Trucking factoring, tractor + trailer equipment financing, fuel bridge.
ProfessionalProfessional Services
Hiring + AR float for legal, accounting, consulting. SBA partner buy-ins.
Personal CareBeauty, Salon & Spa
Build-out, equipment, retail product inventory, expansion financing.
Free tools
Read the playbook
Long-form educational pieces. No salesy fluff — they're written so an owner who's never raised capital can read one and ask better questions of any broker (including me).
When to look for working capital: before you need it, while monthly revenue is strong
Strong monthly revenue qualifies you for the largest first-position facility at the best pricing. Why pre-need positioning unlocks better deals. ~1,750 words.
Comparison GuideWorking capital for small business: a straight-talk guide to your real options
Six categories of SMB financing, how each one prices, when each one fits, and the trap most owners fall into when comparing them. ~1,800 words.
Cost of CapitalAPR vs factor rate: actually understanding what your financing costs
Why "1.35 factor rate over 12 months" is not the same as "35% APR" — and why this difference is worth thousands of dollars per year. ~1,400 words.
Quote ReadingHow to read a working capital quote: 7 things brokers don't always explain
Origination fees, daily vs weekly payment cadence, prepayment terms, stacking penalties — the details that separate a fair quote from a trap. ~1,500 words.
About Jon
Jon Lynch is the founder of Jon Lynch Financial Group, LLC — a Service-Disabled Veteran-Owned Small Business (SDVOSB) headquartered in Miami, FL. Active small-business lending broker. Multi-funder relationships across the working-capital, term-loan, line-of-credit, equipment, and invoice-factoring categories.
For partnerships, lender introductions, or quote requests: [email protected]
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