About Us
We Pick Up Where Traditional Banks Leave Off
Simple Lending Solutions was founded in 1999 with a straightforward idea: businesses shouldn't have to jump through hoops to get the capital they need. Based in New York, we've spent over two decades building a team and a platform that makes business funding faster, simpler, and more accessible.
Our Mission
Built for Businesses That Deserve Better.
We started this company because we saw too many good businesses getting turned away by banks. Business owners with solid revenue, loyal customers, and real growth potential, told “no” because they didn't check every box on a rigid application.
That's not how we work. We look at the full picture: your revenue, your receivables, your business history, your plans. Then we build a funding solution around what your business actually needs, not what fits into a one-size-fits-all template.
Over the years, we've funded businesses in all 50 states across every industry you can think of, from restaurants and retail shops to construction firms and tech startups. Every deal is different, and that's exactly how we like it.
“We built Simple Lending Solutions to be the lender we wished existed when we were running our own businesses.”
SLS Founding Team
Est. 1999, New York
How We Work
Our Approach to Lending.
Underwriting That Looks at the Whole Business
Banks rely on credit scores and rigid formulas. We do not ignore those data points, but we also look at things banks overlook:
- • Your monthly revenue trends
- • The strength of your receivables
- • Your customer concentration
- • How long you have been operating
- • What the capital is actually for
A restaurant owner with a 640 credit score but $80K in monthly revenue is a fundamentally different risk than what a FICO score suggests. Our underwriting reflects that reality. We have built our models over 25 years of funding real businesses, and that experience lets us say yes to deals that traditional lenders cannot approve.
Why We Evaluate Businesses Differently
Traditional banks are built around minimizing risk to near zero. That means they decline businesses that have seasonal revenue, short operating histories, or less than perfect credit, even if the underlying business is healthy and growing.
We take a different view. We ask: can this business service the debt based on its actual cash flow? Is the owner committed and invested? Does the funding request make sense for where the business is right now?
This approach allows us to fund businesses across every industry and at every stage, from a two-year-old e-commerce brand scaling fast to a 20-year-old construction company that needs bridge capital for a new contract.
A Relationship-Based Model
We do not treat funding as a one-time transaction. When we fund a business, we are investing in a relationship. Many of our clients have come back to us three, four, or five times over the years as their needs have changed. That repeat business is not just a revenue number for us. It is proof that the way we structure deals actually works for the businesses on the other end.
Our funding specialists stay in touch with clients after the deal closes, checking in on how the capital is being deployed and whether additional support makes sense down the road.
This is not a call center operation where you are assigned a random agent every time you dial in. You work with the same person who understands your business, your history with us, and your goals. That continuity is rare in this industry, and it is one of the main reasons business owners and brokers keep coming back.
25+
Years in Business
1,000+
Businesses Funded
$500M+
Capital Deployed
48hrs
Average Funding Time
Our People
The Team Behind Your Funding.
A solid team of financial experts dedicated to finding the right solution for your business.
Leadership Team
Executive Management
Our executive team brings decades of combined experience in commercial lending, underwriting, and business development.
Funding Specialists
Client Relations
Dedicated specialists who work one-on-one with every client to find the right funding structure for their business needs.
Underwriting Team
Risk Assessment
Experienced analysts who review each application quickly and thoroughly, getting you a decision without unnecessary delays.
Results
Our Track Record.
Numbers tell part of the story. Since 1999, we have built one of the most consistent funding operations in the alternative lending space. Here is what that looks like in practice.
$500M+
Total Capital Funded
Deployed across all 50 states since 1999
1,000+
Businesses Funded
From sole proprietors to mid-market companies
25+
Years in Operation
Continuously operating through every economic cycle
48hrs
Average Funding Speed
From approval to cash in your account
85%+
Repeat Client Rate
Clients who return for additional funding rounds
50
States Served
Nationwide coverage with local market knowledge
15+
Lending Products
Covering every business funding need
4hrs
Average Approval Time
Initial decision on most applications
Common Questions
Working With Simple Lending Solutions
Banks follow rigid underwriting guidelines set by federal regulators, which means they often decline businesses that do not fit a narrow profile. We use our own underwriting models built over 25 years of funding experience, which allows us to evaluate businesses based on real performance metrics like monthly revenue, receivables quality, and growth trajectory. We also move much faster. Most banks take weeks or months to fund a loan. We typically fund within 24 to 48 hours of approval.
We fund businesses across every industry, from restaurants and retail to construction, healthcare, e-commerce, and professional services. We have worked with sole proprietors doing $200K a year and mid-market companies doing $50M or more. The common thread is that these businesses have real revenue and a clear use for the capital. We do not have a preferred industry list or a minimum number of employees.
Our funding ranges from $10,000 to $10 million depending on the product. Lines of credit go up to $15 million. Commercial real estate financing can go up to $25 million. The amount you qualify for depends on your business revenue, time in operation, and the specific product. During your consultation, we will give you a clear range based on your financials so there are no surprises.
Not always. Products like merchant cash advances and revenue-based financing do not require traditional collateral. Lines of credit are typically secured by your receivables or inventory. Term loans and real estate financing may require collateral depending on the amount and terms. We will walk you through what each product requires so you can make an informed decision.
Simple Lending Solutions was founded in 1999 in New York. We have been continuously operating for over 25 years, funding businesses through the dot-com crash, the 2008 financial crisis, the pandemic, and every market shift in between. That longevity is not just a talking point. It means we have seen virtually every type of business situation and know how to structure deals that work in any economic environment.
You can apply online in about five minutes or call us directly. We will ask for basic business information, recent bank statements, and a few other documents depending on the product. Most applications receive an initial decision within four hours. If approved, we send over the terms for your review, and once you sign, funds are typically in your account within 24 to 48 hours. The entire process from application to funding can happen in as little as two business days.
Let's Talk About
Your Business
Whether you need $10K or $10M, our team is ready to help you find the right funding solution. No obligation, no pressure.