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Business funding

Business funding from $5,000 to $1 million for every chapter

From your first year to handing over the keys, one short application reaches 80+ lenders. No application fee, no obligation.

  • No application fee
  • No obligation
  • Same-day funding
  • No collateral required

The application is the way in, and it takes about two minutes.

The chapters

Every business is a story in chapters

The moments a business most needs outside money are usually the moments it changes. Here are five of them, in the order most businesses live them, and the funding that tends to suit each.

  1. A young owner with his arms folded behind the counter of his new café.

    Chapter I

    The founding

    The first premises, the first stock, the first customers through the door. Founders usually start on their own savings, and outside funding follows once there are takings to show.

    The funding that suits it

    Revenue-Based Funding

    Once card sales are coming in steadily, an advance can follow them without years of history behind it.

  2. Two owners side by side in their busy little shop.

    Chapter II

    The years of growing

    More customers than the business was built for: another hire, bigger orders, longer hours. Growth eats cash before it makes any.

    The funding that suits it

    Working Capital

    Working capital carries the day-to-day costs of growing while the extra revenue catches up.

  3. A row of painted shopfronts on a main street, room for one more.

    Chapter III

    The second location

    A second shop, a bigger workshop, a site across town. The fit-out has to be paid for before the doors open.

    The funding that suits it

    Equipment Financing

    The ovens, chairs, fridges and machines of a new site can be financed over their working life, secured by the equipment itself.

    Alongside it: Business Line of Credit. A line of credit alongside it covers the opening months, when the new site costs more than it brings in.

  4. Two business partners standing back to back in their café.

    Chapter IV

    A partner moves on

    One founder wants to retire, relocate or simply do something else. The business has to find their share without stopping the work.

    The funding that suits it

    Term Loan

    A single sum on a fixed schedule, so the remaining owners know exactly what the change will cost and when it ends.

  5. An older craftsman showing a younger one something on a tablet in the workshop.

    Chapter V

    Handing it on

    A son, a daughter, a long-serving manager takes the keys. Lenders will want to meet the new owners, and to see that the trade carries on as before.

    The funding that suits it

    Short Term Business Loan

    A short bridge while the handover settles: a stock refresh, a few slow weeks, the costs of new ownership, cleared within the year.

Every business tells its story differently, and every lender has its own requirements. Your specialist will match the funding to your chapter, not to this list.

How it works

How an application becomes funding

Three steps, taken at your pace, with someone beside you for each.

Step 01

Tell us about the business

How much you need, how to reach you, and a little about the business and the chapter it is in. Nothing to upload yet and nothing to pay.

  • Nothing to pay to apply
  • No documents to start
  • Your answers saved as you go
An owner leaning in the doorway of her shop.

Step 02

We look across the network

Your application goes to our funding partner, where a specialist puts it in front of the lenders most likely to fund a business like yours, at the stage it is at.

  • One application, many lenders
  • Matched to the chapter, not just the sum
  • Every offer gathered for you
An owner with a clipboard, taking stock behind the counter.

Step 03

Choose with the whole family in mind

Each offer is set out with its total cost and its schedule, so the decision can be talked over properly. Accept one and, once approved, funds can arrive in as little as 24 hours.

  • Full cost before you sign
  • Time to talk it over
  • Funding in as little as 24 hours once approved
A father pointing out the rows of the orchard to his son.

The six

Six programmes for the chapters ahead

Each fits a different moment in the life of a business. The chapters above show which one usually suits where yours is now.

Our word

Promises that hold in every chapter

Funding sized to the chapter
We would rather you borrow what this stage needs than the most a lender will allow.
Terms in plain sight
Every offer shows its total repayment and its schedule before you agree to anything.
Room to decide together
Family businesses decide as families. Take the time you need; nothing is agreed until you accept.
No charge to apply
The application is free, and looking at your offers commits you to nothing.

The network's figures

The network in the name

80+lenders in the network
25,000businesses funded
24 hrsto funding once approved

These are the totals of the lending network Legacy Lending Network works through, not figures for this brand by itself.

Ready when you are

Ready to grow your business?

Whatever chapter you are in, one short application shows you what is possible. No application fee.

Start my application

A parent carrying a child on a hillside at sunset.

The application

Start the application

A couple of minutes: how much, how to reach you, and a little about the business. Free to send, and nothing is agreed until you accept an offer.

The application is the way in, and it takes about two minutes.