Business · Personal · Real estate funding
Hundreds of lenders. One team to help you find the right one.
Most people need help getting funded. We work with hundreds of banks, lenders, and licensed mortgage professionals, know which ones suit different profiles, and walk you through every step — from credit readiness to funding.
Soft credit check only · No impact to your credit score
How we fund
Tell us what the money is for. We'll help you find the right lender.
Business
Lines of credit, term loans, equipment, SBA, and startup funding — for new and established companies.
Business funding →
Personal
Unsecured lines and term loans, including the personal credit many owners use to launch.
Personal funding →
Real estate
DSCR, construction, lines of credit, bridge, and commercial loans — for investors, builders, and buyers.
Real estate funding →How it works
Stop applying everywhere. Apply where your profile fits.
- 01
Answer a few questions
What the money is for, how much, and how soon. No credit questions. About two minutes — and you see your likely options right away.
- 02
Credit readiness check
With your okay, we run an iSoftPull soft credit check. It shows exactly where you stand — with no impact to your score.
- 03
Matched and guided
We match you with lenders suited to your profile and stay with you to funding.
Why Operation Lend
Help that's on your side of the table.
For partners
Offer funding under your own name.
Real estate agents, tax pros, credit repair specialists, and consultants: become a sales agent or a white-label / private-label partner. We handle the back end. You keep the client.
Are you a lender?
No. Operation Lend is not a direct lender or a mortgage broker. We work with banks, lenders, and licensed mortgage professionals. Our job is to get you ready, match you with lenders suited to your profile, and guide you until you're funded.
What does it cost?
There's no upfront fee on most funding. For business, unsecured, and personal funding, we're paid a success fee — typically 10–12% of the amount funded — only when you're funded. DSCR loans and other set programs carry a flat program fee, quoted in writing before you start. Third-party costs, like appraisals, are paid to the provider.
Will this hurt my credit?
No. With your okay, we run a soft credit check through iSoftPull, which does not affect your score. A hard inquiry happens only after you accept a specific offer from a lender.
What are the rates?
Rates are set by the lender and depend on the product, your credit, time in business, and revenue — from promotional 0% business credit lines to higher-cost short-term products. We aim for the lowest-cost product you can actually close, and we avoid merchant cash advances unless you decide speed is worth it.
How much can I get?
Startups are commonly approved for up to about $500,000 in combined funding. Established businesses can go further. Real estate backed by the property can run into the millions.
I've been declined before. Can you still help?
Usually, yes. A decline most often means the application went to the wrong lender, or too early. Your readiness check shows exactly what needs to change — and that advice is free.
I already have a quote. Should I still talk to you?
Yes — bring it. We'll tell you whether it's the right product or just the fast one, and whether a better option is likely.
Ready to see what you qualify for?
Two minutes. No hard inquiry. See your likely options right away.