Honesty is at the heart of everything Ladybug does. There is no upfront fee to apply through our lending network and no cost or obligation to accept any loan offer. Beware, there are unscrupulous lenders and brokers who will seek SBA fees of up to 15%.  Did you know that 2% is the maximum SBA consultation fee allowed by law? Your growth is contingent on the maximum net of the capital you accept. Let's grow together!

Ladybug loves lending and it shows as we hope to gain your business for a lifetime.

Our loans provide the flexibility to support a variety of business needs, including:

• Working Capital: Cover daily expenses like payroll, utilities, and operating costs.
• Equipment Purchases: Upgrade or acquire machinery, tools, and technology.
• Real Estate: Purchase, renovate, or refinance commercial properties.
• Inventory: Stock up on products to meet customer demands.
• Business Expansion: Finance new locations, franchises, or ventures.
• Debt Refinancing: Consolidate existing business debts to secure better terms.

Note: Acceptable uses of funds may vary by loan product.

The loan approval process generally takes anywhere from a few weeks to several months, depending on various factors. The timeline can be influenced by how prepared you are with the required documentation and how promptly you respond to any additional information requests.

Ask about how Ladybug's Business Hybrid Credit Builder can help improve your approval odds and funded amount! Includes free personal credit repair.

Choose the product that best suits your business needs. However, approval and terms may be limited based on factors such as revenue, debit, personal credit and most importantly business creditworthiness. Ladybug's Business Hybrid Credit Builder program has helped merchants with personal credit scores in the low 500s qualify for an SBA loan in as little as 4 weeks?  Ask about Ladybug's free personal credit repair.

Ladybug offers flexible loan options tailored to your specific needs and a fast approval process that allows you to access funds quickly. Our team of experienced professionals is committed to guiding you every step of the way, ensuring you find the right financing solutions with competitive rates from our extensive network of SBA banks and other trusted lenders.

We also offer complimentary personal credit-building and repair services to help you qualify for the funding you need, ensuring no opportunity is out of reach. At Ladybug Lending, we prioritize building lasting relationships and providing ongoing support to help your business thrive and succeed.

We also offer a business hybrid credit builder which includes free personal credit repair to help you qualify for SBA in as little as 4 weeks, ensuring no opportunity is out of reach. At Ladybug Lending, we prioritize building lasting relationships and providing ongoing support to help your business thrive and succeed.

Ladybug supports small and medium-sized businesses in growing, creating new jobs, and boosting economic development within their communities and beyond. Most viable industries are eligible for funding. Ladybug's funding solutions are tailored to meet the needs of a diverse range of industries.

Minimum Qualifications for a Loan Through Ladybug Lending:

• At least 2 years in business
• A personal FICO credit score of 640 or higher for business owners. Low credit? No problem. Ladybug offers free credit repair.
• No personal bankruptcies within the past 7 years among business owners. 
• Operates in an eligible industry (exclusions include speculative real estate, nonprofit organizations, weapons manufacturing, gambling businesses, marijuana dispensaries, and adult entertainment).

Ladybug is committed to helping eligible businesses succeed and thrive with access to the capital they need.

Low personal credit score or poor credit history? No problem. Ladybug provides free personal credit repair with its Business Hybrid Credit Builder.  

To qualify for an SBA or term loan, business owners must have a FICO credit score of at least 680 on all 3 personal credit bureaus, but did you know, more importantly to ensure you success is a vibrant Business Credit Profile score at the commercial credit bureaus?  This is after all, a finance application for business credit, and even the best personal credit scores are being declined nowadays. Why?  Lack of business credit.

Ladybug is here to support you—even if your credit needs improvement—with complimentary credit repair services to help you meet our requirements. Our Business Hybrid Credit Builder has rehabilitated low 500 credit scores in as little as 4 weeks, while importantly establishing and building out a company's Business Credit Profile on the commercial credit bureaus such as Dun & Bradstreet's PAYDEX..

A soft credit pull which does not impact your credit score, allows you to prequalify without affecting your credit history. A hard credit check  occurs when you reach the final stages of the loan application process, meaning once you've qualified and are considered a serious applicant for a loan; this is typically when your credit report is pulled to verify your information and finalize the loan terms.

In addition, we review your business credit reports, such as those from Dun & Bradstreet, Inc and other commercial credit bureaus.. Business credit inquiries will not appear on your personal credit report or affect your personal credit score.

These reports help us better understand your business and may include details like revenue, time in operation, SIC or NAICS codes, and ownership information. This data allows us to efficiently determine your eligibility for funding and tailor solutions to your needs.

Even some of the best personal credit scores are declined due to lack of a business credit profile. Ladybug's Business Hybrid Credit Builder resoles that in as little as 4 weeks and includes free personal credit repair. 

No, you are under no obligation to accept a loan, and may accept less than the full amount offered. There is no application fee, so you can explore your options risk-free.

If you don’t initially qualify, don’t worry Ladybug offers free credit repair services as part of our Business Hybrid Credit Builder.  You can meet the requirements and qualify for funding in as little as 4 weeks. Your success is our priority.

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