Lexington Capital provides short term loans to small businesses. As a specialty lender, Lexington is able to benefit
from opportunities created by overly restrictive government regulation of Federally insured banks. Because Lexington takes
no Federal funds, we are able to quickly provide capital for commercial, asset backed loans to our creditworthy clients. We
help our clients seize profitable business opportunities that they would otherwise miss due to restrictive commercial lending
Opportunity: Overly restrictive banking regulations preclude most small businesses from borrowing from traditional banks. While traditional banking institutions can provide inexpensive capital (interest rates 4-6%), there are serious hurdles to accessing that capital. Even for those small businesses that can clear these hurdles, the agonizingly slow application process required to comply with Federal regulation often makes the use of these traditional banks unrealistic. Traditional banking institutions can take up to 12 weeks to approve a loan, and the profile of the commercial borrower has to conform to stringent policies and standards. Also, traditional banks prefer large commercial loans, and shy away from the small commercial market. Here in lies the opportunity for Lexington to assist the non-traditional borrower in obtaining financing.
Lexington is not bound by these unrealistic and unduly cumbersome regulations. Further, the Lexington Underwriting System utilizing the latest technology not only speeds up and streamlines the application process, but also provides a deeper and more comprehensive view of a potential borrower’s creditworthiness.