LendingPoint LendingPoint
JOOR Capital

Growing your business is our business

From inventory management to large capital expenditures, explore options for your unique business needs.

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Simple

Get a loan without impacting your personal credit.

Flexible

Terms and payments to fit your needs.

Transparent

No origination fees or early payback fees.

Fast

Quick decisions and speedy deposits.

Options to fit your needs

  • Business Loans up to $50K* and terms up to 60 months** for longer-term business needs.
  • Working Capital up to $36.5K* with Fixed Payments.

Apply Here

How it works

Apply for a loan with no impact to your personal credit score.

Check your options

Get started with a simple application to see your loan options.

Finish your application

Select the best loan option for you and provide some additional information to complete your application.

Receive your funds

Once approved, the funds could be in your account as soon as the next business day.

Over 5,500 five-star reviews on Trustpilot1

LendingPoint was fast and easy

LendingPoint was fast and easy. Great communication, and customer service. This is the way to go for business financing. I have a great 51 year relationship with my bank, but they still take forever to process a loan and fund it. LendingPoint cuts through that.
By: Robert R.

Efficient and Excellent!!!

This was the cleanest, clearest business capital loan we’ve ever executed! An excellent, knowledgeable Representative helped us to secure the right type of funding for our needs right over the phone…no red tape and endless resending of paperwork.
By: Gadgetmaster LLC

Frequently asked questions

  • What is the relationship between JOOR and LendingPoint?

    JOOR has partnered with LendingPoint to offer business purpose financing through LendingPoint’s platform. By matching you with a lender who can meet your needs, including LendingPoint and First Electronic Bank. LendingPoint’s platform says “yes” to more people and small businesses.

  • Who is LendingPoint?

    LendingPoint is a financial AI and technology platform that provides financing origination solutions to ecommerce and point of sale partners, lending institutions and directly to consumers. The company’s fraud prevention, risk and asset management algorithms are used to create financing opportunities across the credit spectrum. Its LendingPoint Business Solutions platform provides ecommerce platforms, merchants, and other service providers fully integrated, one-stop financing solutions to convert more customers.

    For the past three years, LendingPoint has been named on Inc. 5000’s list of fastest-growing private companies, ranking 17th in 2019. LendingPoint ranked on Deloitte’s Technology Fast 500 list in 2019 and 2020 and was honored as one of the top 40 fastest growing companies in Atlanta by the ACG in 2019, 2020, and 2021. LendingPoint was named one of the 2021 Best Places to Work by the Atlanta Business Chronicle. LendingPoint is a privately held company headquartered in Metro Atlanta, with offices in San Francisco, New York, Chicago and Dallas. LendingPoint, LLC owns and operates the LendingPoint platform.

  • What financial products are available?

    LendingPoint’s Platform currently offers fixed term business loans and short-term Working Capital with Fixed Payments (fixed fee and no interest rate).

  • How much could I be eligible for?

    LendingPoint’s Platform offers financing options from $500* to $50,000* with payment terms from 12 to 60 months** to fit your needs.

  • Will this impact my credit score?

    Applying for and receiving financing will not negatively impact your personal credit score. LendingPoint’s Platform lenders use a soft credit inquiry process that does not impact your personal credit score and is not visible on your credit report to third parties.

  • What do I need to apply?

    The simple application takes a few minutes to complete. With some basic information about you and your business (which does not have to be an incorporated business), you could have a decision in seconds. Once you are matched to a lender you will be asked to verify your identity, provide certain personal and/or business information, and confirm the bank account where you prefer to receive your loan proceeds, if approved.

  • Do I need to provide financial statements in my application?

    Depending on the product and lender, you might be asked to provide bank statements or tax returns for income verification purposes. If you have more than one bank account to manage your business and personal income, you’re welcome to provide multiple bank statements as requested. As part of your loan application process, you’ll need to provide a single bank account for the disbursal of the loan proceeds.

  • Are there origination fees?

    No.

  • Are there any early payback fees?

    No. You can pay off your balance in a few days or end of your term, without penalty. The choice is up to you.

LendingPoint JOOR Capital
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LendingPoint is an Atlanta-based lender and servicer, redefining who can access money at fair rates.
Terms and Conditions

* Applications for loans submitted may be funded by one of several lenders including: LendingPoint LLC, a Delaware limited liability company with its principal place of business in Kennesaw, Georgia; FinWise Bank, a Utah-chartered bank, Member FDIC; First Electronic Bank, a Utah-chartered industrial bank, Member FDIC; and Coastal Community Bank, Member FDIC. Loan approval is not guaranteed. Actual loan offers, loan amounts, terms, and annual percentage rates (“APR”) may vary. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day.

** For example, a $10,000 loan serviced by LendingPoint over a period of 48 months that has an APR of 12.99% may have a payment of $268.23 per month (actual terms and interest rates depend on credit history, income, and other factors). The total amount due under the loan terms provided is $12,875.04. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

1. Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences.


LendingPoint is an Atlanta-based lender and servicer, redefining who can access money at fair rates.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Applications submitted on this website may be funded by one of several lenders, including: FinWise bank, a Utah-chartered bank Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 7% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 60 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) The $15,575.04 total amount due under the loan terms provided as an example in this disclaimer includes the origination fee financed in addition to the loan amount. Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

1. Alimony, child support, or separate maintenance income need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation.

2.  The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law concerning Coastal Community Bank is the Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

California residents click here ››

Wisconsin residents click here ››

Ohio residents click here ››

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access