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.
See retail funding →Restaurant
Equipment financing and working capital for kitchens and renovations.
See restaurant funding →Healthcare
Financing for equipment, expansion, and receivables cycles.
See healthcare funding →Construction
Bridge financing between project milestones and payments.
See construction funding →Transportation
Fleet and equipment financing built around fuel and maintenance cycles.
See transportation funding →Manufacturing
Equipment and working capital financing for production cycles.
See manufacturing funding →🛍️ Inventory when you need it, cash flow that keeps pace with the season.
Retail runs in waves — holiday rushes, back-to-school spikes, slow Januarys. We've funded retail businesses that needed to stock up fast, renovate a storefront, or bridge the gap between a big order going out and payment coming in.
What retail businesses use funding for
- Seasonal inventory buys
- Storefront renovation
- New location buildout
- Point-of-sale and equipment upgrades
From a retail business we've funded
"We needed to stock up before the holidays hit and didn't have six weeks to wait on a bank. Light On Fund had us funded in two days."
Sample client experience for illustration — replace with your own verified story before publishing.
🍽️ Kitchen equipment, renovations, and working capital between slow and busy nights.
Restaurants live on thin margins and unpredictable weeks. We've helped restaurant owners replace a walk-in cooler overnight, renovate a dining room, and cover payroll during a slow stretch without missing a beat.
What restaurant businesses use funding for
- Kitchen equipment replacement
- Dining room renovations
- Payroll during slow seasons
- Opening a second location
From a restaurant business we've funded
"Our oven died on a Friday night. We had financing approved by Monday morning and a new one installed by Wednesday."
Sample client experience for illustration — replace with your own verified story before publishing.
🩺 Equipment, expansion, and financing that keeps up with receivables cycles.
Healthcare practices often wait weeks or months on insurance reimbursement while still covering staff, rent, and equipment costs today. We've funded practices buying new diagnostic equipment, expanding into new space, and smoothing out cash flow between billing cycles.
What healthcare businesses use funding for
- Diagnostic and treatment equipment
- Practice expansion or relocation
- Bridging insurance reimbursement gaps
- Staffing during growth
From a healthcare business we've funded
"Waiting on insurance payments used to strain us every quarter. A line of credit smoothed that out completely."
Sample client experience for illustration — replace with your own verified story before publishing.
🏗️ Bridge financing between project milestones, materials, and payroll.
Construction cash flow is built around milestones and draws that don't always line up with when materials and crews need to be paid. We've funded contractors covering payroll between draws, buying materials upfront, and financing heavy equipment.
What construction businesses use funding for
- Materials purchased upfront
- Payroll between project draws
- Heavy equipment financing
- Bidding on larger contracts
From a construction business we've funded
"We won a bigger job than we'd ever taken on, but needed capital upfront for materials. That funding is the reason we could say yes."
Sample client experience for illustration — replace with your own verified story before publishing.
🚚 Fleet and equipment financing built around fuel, maintenance, and downtime.
A truck sitting in the shop is a truck not making money. We've funded transportation and logistics businesses replacing vehicles, covering fuel and maintenance costs, and expanding their fleet to take on more routes.
What transportation businesses use funding for
- Fleet expansion and replacement
- Fuel and maintenance costs
- Driver payroll during growth
- Equipment and trailer financing
From a transportation business we've funded
"One of our trucks went down for good. We had a replacement funded and on the road in three days instead of three weeks."
Sample client experience for illustration — replace with your own verified story before publishing.
🏭 Equipment and working capital financing built around production cycles.
Manufacturing often means big upfront costs for equipment and materials long before a finished product ships. We've funded manufacturers upgrading machinery, covering raw material purchases, and managing payroll through production ramp-ups.
What manufacturing businesses use funding for
- Machinery and equipment upgrades
- Raw material purchases
- Payroll during production ramp-up
- Facility expansion
From a manufacturing business we've funded
"We needed a new production line to take on a larger contract. Financing let us say yes without draining our cash reserves."
Sample client experience for illustration — replace with your own verified story before publishing.
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 dedicated underwriting specialist will follow up personally to walk through real numbers and next steps — most applicants hear back within a day.
- 2 minutes to complete
- No obligation to proceed
- A real person reviews every application
"The process was quick and the specialist actually explained everything instead of just pushing paperwork at me."
"Approved faster than I expected, and nobody tried to bury me in fine print."
"They actually picked up the phone and walked me through my options before I signed anything."
"Funding hit our account two days after approval. Made payroll without stress that week."
Get approved
Thanks — you're in.
A funding specialist will reach out shortly to go over your options.
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