Lextova / precision credit engineering
Business credit cards to $250K, revolving lines to $5M, and structured credit repair — specified around your revenue and profile, then priced against a network of lending partners in all 50 states.
Soft credit pull only · no fee to apply · no obligation
Cards, a revolving line, and a repair program — deployed separately or engineered together as a complete credit position.
Issuer selection, application sequencing, and limit strategy are mapped before a single hard inquiry is spent. The result is a card stack sized to your revenue, not a one-off approval.
A structured, ongoing program: bureau-level dispute work on inaccurate items, tradeline architecture to add depth, and monthly checkpoints so progress is measured, not assumed.
Draw what the job requires, repay, draw again. Interest accrues on the drawn balance only, and the line stays open as standing capacity between projects.
Every product below is arranged through vetted third-party funding partners and priced against your actual file.
Combined card lines engineered as a stack — issuer mix, sequencing, and limits planned in advance, with 0% intro options where the file supports them.
Revolving capacity that funds in days. Pay interest only on what you actually draw.
Dispute inaccurate items, add correctly-reporting tradelines, and track the score monthly until it holds.
An advance against forward revenue — for payroll, inventory, or a contract you can't afford to turn down.
Remittances scale with what the business actually collects — heavier months carry more, lighter months less.
Fixed principal, fixed schedule, defined payoff date — priced for expansions and acquisitions.
Government-backed structures with the longest terms and lowest pricing on the board — worth the fuller file.
The equipment itself secures the loan, so approval leans on the asset — trucks, machines, medical hardware.
Multiple daily payments refactored into one structured schedule — cash flow recovered, positions retired.
Purchase, refinance, or pull equity from commercial property — owner-occupied or investment.
Unpaid invoices and purchase orders converted to working cash — the receivable itself secures the advance.
Business credit drawn against home equity — pricing that unsecured instruments can't reach.
Complete the application in minutes. State what you need and when.
T+0 · minutesAn advisor audits the file on a soft credit pull only — zero impact on your score at review.
Soft pullYour file is priced against multiple lenders and offers arrive side by side — amount, cost, and schedule in plain figures.
Multiple offersSelect the terms that fit and the file clears — often the same business day.
Often same dayCapital lands in as little as 24 hours; each instrument funds on its stated window.
From 24 hrsDeploy the capital. The line stays open, and the file gets stronger for the next round.
Ongoingualification here is a specification, not a lottery. Two thresholds cover the entire product line: clear the one printed for your instrument and the file prices across the network. Miss it, and the file is routed to the credit building program — corrected, constructed, and resubmitted when it clears.
Clear the printed threshold and the file prices. There is no third outcome.
Underwriting desk · standing rule
500+ FICO
6+ months in business · $10K+ monthly revenue. The entry specification for advances and most revenue-based instruments.
650+ FICO
2+ years in business. A tighter specification, traded for longer terms and the lowest pricing on the board.
Documents — 3–4 months of business bank statements and a one-page application complete the initial file for most products. Below the marks — routed to credit repair first, so the next application clears.
ne intake, twelve instruments, all fifty states. The file is engineered once, priced against multiple lenders, and the resulting terms return side by side — amount, cost, and schedule in plain figures. Take one, or take none: the application costs $0, runs on a soft pull only, and creates no obligation on either side.
One application. Multiple lender offers. The decision remains entirely yours.
Offer format · house standard
12instruments
Cards, LOC, credit repair, working capital / MCA, revenue-based financing, term loans, SBA, equipment, consolidation, commercial real estate, invoice / P.O., and business-purpose HELOC.
24hours
Measured from a complete submission — the initial review runs on a soft inquiry only, so checking your options never moves your score.
Financing is half the file. These keep the rest of the operation to spec.
First decisions arrive in as little as 24 hours, and approval often lands the same business day. From there each instrument runs on its stated window: working capital in 24–48 hours, lines of credit in 1–3 days, card lines within 1–2 weeks, and larger structures like SBA or commercial real estate in 1–4 weeks.
No. The initial review runs on a soft inquiry only — it never appears to other lenders and does not move your score. A hard inquiry happens only if you accept an offer that requires one, and you will know before it does.
Working capital and merchant cash advance files clear at a 500+ FICO, 6+ months in business, and $10K or more in monthly revenue. Term loans and SBA products are specified tighter: 650+ FICO and 2+ years in business. Files below those marks are routed to the credit building program first, so the next application clears.
Three to four months of business bank statements and a one-page application. That is the complete initial file for most products — larger structures may request more at underwriting, and you will know exactly what before anything proceeds.
It depends on the instrument. Cards and lines of credit revolve — you pay on the drawn balance only. Term loans, SBA loans, and equipment financing carry fixed schedules with a defined payoff date. Working capital advances remit on a daily or weekly cycle sized to revenue. Every schedule is printed in the offer before you sign.
No. Lextova is a broker — funding is arranged through a network of financing partners, and every offer remains subject to that partner's underwriting. We engineer the file, price it across the network, and present the resulting terms side by side. The decision to accept any of them is entirely yours.
Any legitimate business purpose — payroll, inventory, equipment, marketing, expansion, consolidating existing advances, or acquiring commercial property. State the intended use on the application and the file is priced against the instruments built for exactly that purpose.
Four minutes, soft pull only, options in as little as 24 hours. If nothing fits, you owe nothing.
