LendPoint is a direct revenue-based financing lender. We deploy our own capital and select syndicate capital into vetted small-business advances. This page covers our framework. Specifics — current yields, portfolio composition, available allocations — happen on a call.
We underwrite and service every deal in-house. Whether the deal originates direct or through one of our ISO partners, the credit decision is ours and the asset relationship is ours. When you partner with us, you're partnering with the team that signs every term sheet and runs every collection.
Short-duration, cash-flowing, diversifiable. Here's why sophisticated capital is moving into this corner of private credit.
33+ million U.S. small businesses. Banks have pulled back from small-business lending; underwriting cycles run 6–8 weeks and decline rates remain high. Revenue-based financing fills the gap with capital deployed in days.
Factor rates of 1.20× to 1.40× on terms of 4 to 18 months produce unit-level returns competitive with private credit, while keeping duration short.
Daily and weekly remittance from active deals returns capital quickly. Recycled into new financings, that compounds the return on deployed dollars over a multi-year horizon.
Average deal sizes of $50K to $200K mean a single allocation spreads across dozens of merchants, industries, and credit profiles. No concentration risk in a single position.
These ranges describe the kind of deals we write. Current portfolio metrics — net yield, default rate, cash-on-cash return — are shared with qualified partners on a call.
Specific yield, current default rate, recovery rate, and capital availability are confidential and shared with qualified partners on a call.
Deals reach us through multiple channels — direct merchants, ISO partners, referrals — but every credit decision is made at our desk, and every file is serviced by our team. The underwriting call, the servicing relationship, and the accountability stay with LendPoint. No outsourced bureaus, no third-party servicers, no black-box marketplace decisions.
Monthly statements with deal-level detail. Calls when something material happens to a position. Annual review with the principal who underwrote your deals.
We co-invest in our own paper. The economics of every syndicated deal reflect what we're holding ourselves.
A 90-second context form, then a 30-minute call with one of LendPoint's principals. We'll walk through current portfolio metrics, available allocations, and answer anything that didn't fit on this page.
