Working capital up to $500K.
Built for small business owners.
Revenue-based underwriting — businesses qualify on monthly revenue, not credit score. Soft pull only. Funded in hours.†
Minimum eligibility: 4+ months in business · $10K+ monthly revenue · business checking account. †Funding speed depends on product and bank-cutoff times.
What I help with
Sourced from 13+ funder partners. Each deal routes to the funder most likely to underwrite it well — not just any funder that says yes.
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
Annuity & structured settlement buyout
Receiving annuity payments, a structured settlement, or court-ordered installments and need a lump sum instead? I work with secondary-market buyers who purchase future income streams for present cash. Court-approval required for settlement transfers (Structured Settlement Protection Act). Best when you have a specific use of funds that beats the discount rate.
Typical: 50–80% of remaining value · court-approval 60–90 days · cash at closing
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.
Three audiences — pick your path
Three groups, three paths.
Small business owner →
Need working capital, a line of credit, equipment financing, or cash-out refi? Get matched to the right funder from a 30+ network.
Apply for capital
Broker / ISO →
Independent MCA broker? Refer deals to Lending by JLFG — 30+ funder relationships, sub-broker commissions, full deal coordination.
Join the network
Institutional funder →
Want quality deal flow? Submit your funding box; we route fits. Vetted brokers; pre-screened deals; clean stip packages.
Partnership inquiry
Free calculators — run the numbers before we talk
No email gate. Realistic ranges in 60 seconds.
Funder match quiz · 60 sec
4 questions → top 3 funders likely to underwrite your profile.
Daily remit calculator
What does a $100K / 1.32 / 9-month MCA cost in daily payments?
Cost of capital compared
MCA vs term loan vs LOC vs SBA — side-by-side for the same need.
Bank statement grader
3 months → instant grade and funder-tier match. Client-side.
Position consolidation
Stacked 2-3 MCAs? See if consolidation saves money or shifts cost.
Show 15 more specialized calculators
Reverse consolidation
Stacked + drowning in burn? Model relief now vs cost premium later.
Stipulation checklist
Pick a funder tier → exact doc list. Print and submit.
ERTC / R&D advance
Tax credit pending? Cash-at-close vs wait-for-IRS, effective APR.
Working capital health check
Annual stress-test. Runway + 30/60/90-day position → A-F grade.
Equipment financing pre-qual
FICO + TIB + equipment age → approval likelihood, APR range.
Equipment sale-leaseback
Unlock equity in equipment you already own.
Invoice factoring
B2B with slow-pay customers? Cash advanced, effective APR vs DSO.
CRE cash-out refi
Commercial property with equity? LTV, DSCR vs NOI, net cash.
Business cash-out / exit
Selling all or part? Cash-at-closing splits.
Business valuation quick-pass
EBITDA ×, DCF, revenue × — likely sale range, buyer type.
Annuity buyout value
Lump-sum value of structured settlement or annuity stream.
Structured settlement pricer
PI settlement → lump sum under SSPA. PV, court fee, state approval odds.
Life-policy loan / settlement
Borrow against cash value or sell the policy. Both math'd out.
Life settlement market scan
65+ policyholders. Secondary-market offer % vs cash surrender.
Lottery lump-sum buyout
Powerball / Mega / state annuity → lump sum. Tax, break-even.
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.
TradesHVAC, Plumbing & Electrical
Service trucks, materials bulk-buy, seasonal payroll bridge, commercial bid mobilization.
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.
After DenialBank denied your Florida business loan? Here's what to do next
Why banks deny SMB loans, real alternative options for FL businesses with 550+ FICO, what NOT to do after a denial.
ComparisonMCA vs SBA loan in Florida — which fits your business?
Side-by-side: speed, cost, paperwork, FICO, use cases. Honest broker breakdown of when each product wins.
TimelineHow fast can I really get working capital in Florida?
Hour-by-hour walk-through of the actual funding timeline. From form submission to wire: 24-48 hours typical.
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]
Ready to apply?
3-minute prequalification. No SSN/EIN at this stage. Soft-quote within 1 business day.