Lanemark structures commercial credit and places it directly with lenders whose credit box fits. Files prepared with lender-side underwriting experience, a short list of the right institutions, and one point of contact from first conversation to close.
We advise across the commercial capital stack: term loans, lines of credit, working capital and asset-backed debt. Every request is structured the way a lender will underwrite it, then placed with the institutions best positioned to approve it.
Fixed-payment term debt underwritten on cash flow, collateral or both. Where a standard term loan falls short, we structure around receivables, inventory or other business assets.
Revolving facilities that follow the operating cycle, so you draw for payroll, inventory and seasonal gaps and pay interest only on what you use. Faster options are available where speed matters more than price, always with clear cost disclosure and never stacked.
Capital for the next stage of the business, structured around the investment and the cash flow it will produce.
Loans and leases secured by the equipment itself, with terms matched to its useful life, including finance leases, fair-market-value leases and sale-leasebacks.
Availability, amounts, rates and terms vary by lender, structure and credit profile. No financing is guaranteed.
A deliberate process built from the lender side. We do the credit work up front, so the institutions that see your file are the ones positioned to say yes.
We learn the business, the purpose of the capital and the timeline, and review your statements and returns. No hard credit pull from us.
We identify the right product and structure, flag what underwriting will question, and address it before anything goes out.
Your file goes only to a short list of lenders whose criteria fit. No shotgun submissions, no stack of credit pulls.
We compare offers side by side, walk through total cost, payment and prepayment terms, and stay with you through funding.
Lanemark was founded by a lender-side veteran who spent his career inside small business lending: underwriting, loan closing and lender partnerships. That vantage point now works for the borrower.
We know which lenders want which deals, how a credit file is read, and how to present a business so the answer comes quickly and cleanly. When the timing is wrong, we say so, and explain what would change it.
Commitments that hold regardless of deal size or product.
We match before we submit. Your information goes only where it fits.
We never run a hard credit pull. If a lender needs one to finalize an offer, you hear it from us first.
Every offer is presented with total cost, payment and prepayment terms in plain language.
We are not tied to one lender's products. Our role is to find the right structure, not sell a single one.
We never run a hard credit pull. Most lenders review your file with a soft pull, which does not affect your score. If a lender needs a hard pull to finalize an offer, we will tell you before it happens.
A single lender can only offer its own products. We know the credit criteria of many lenders, structure the request to fit, and place it where it is most likely to be approved on good terms.
Most look for at least one year in business, $150K or more in annual revenue and owner credit of 620 or higher. Asset-backed structures can be more flexible. If you fall outside these ranges, reach out anyway.
The last four to six months of business bank statements, identification for each owner with 20% or more, and your business tax ID. Larger or structured requests may require tax returns, financial statements or asset details.
Timing depends on the lender, the product and the structure. We will set expectations before your file goes out and keep you updated throughout.
There is no cost to discuss your situation or review offers.
Share a few details about the business and what the capital is for. A member of our team will respond within one business day. We never run a hard credit pull.
Send two or three times that work for a 15-minute call and we will confirm one.
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