| Takeaway | Details |
|---|---|
| 🏢 What Lexio Capital Is | Lexio Capital is an alternative business-funding company that provides revenue-based financing by purchasing future receivables from small businesses rather than issuing traditional loans. |
| ⚡ Funding Speed | The company emphasizes a quick application, approval, and funding process, with funds often deposited shortly after an offer is accepted. |
| 💵 Funding Structure | Businesses receive a lump-sum cash advance at a discounted price and repay it over time based on sales volume and cash flow. |
| 🔄 Repayment Flexibility | Payments are typically made daily or weekly and are adjusted to revenue, which helps businesses manage variable cash flow. |
| 📋 Qualifications | Lexio Capital does not publicly disclose minimum credit score, revenue, or time-in-business requirements; instead, it evaluates overall sales and bank account activity. |
| ⚠️ Costs & Transparency | Revenue-based financing can be more costly than traditional loans, and Lexio Capital provides limited upfront transparency regarding rates, fees, and total repayment. |
| 🏪 Best For | Best suited for small businesses that need fast access to short-term working capital and may not qualify for bank or SBA financing. |
| ⭐ UCS Rating | Based on available information, United Capital Source rates Lexio Capital 3.2 out of 5 due to its speed and accessibility, but limited transparency. |
Access to business loans remains a common challenge for small businesses, particularly when traditional banks require solid credit profiles, lengthy operating histories, and extensive documentation. For business owners who need capital quickly to address cash flow gaps, purchase inventory, or support growth, alternative financing companies like Lexio Capital have emerged to meet those needs. These companies often prioritize fast business funding, flexibility, and revenue performance over rigid underwriting standards.
However, alternative business funding is not one-size-fits-all. Costs, repayment structures, and transparency can vary significantly between providers. That makes it essential for business owners to carefully review any financing company before submitting an application or signing an agreement.
In this review, we’ll explore how Lexio Capital works, including the available options, pros and cons, and application process, to help you decide. Specifically, we’ll answer these questions and more:
Lexio Capital is an alternative business funding company that focuses primarily on revenue-based financing programs for small businesses. Instead of offering a traditional business loan, Lexio Capital provides small business financing by purchasing future receivables at a discount. In this structure, a company receives an upfront cash payment and repays it over time based on sales volume.
The company operates as a business-funding provider and broker, connecting qualified clients with financing solutions that align with their cash flow and revenue patterns. Lexio Capital is headquartered in Hollywood, Florida. It serves customers across the United States. Its services are designed for small businesses that may not qualify for conventional bank financing but are still profitable and generating consistent revenue.
Lexio Capital positions itself as a company committed to helping businesses grow by offering quick access to funds and a simplified application process. Its mission is to provide flexible capital solutions that support business expansion, purchasing needs, and ongoing operations without the long wait times associated with traditional lenders.
Lexio Capital provides online business funding. It evaluates a business’s sales performance and bank account activity rather than relying solely on credit history.
The funding process begins with a short small business loan application, followed by a review of recent bank statements and revenue. Once a business is approved, Lexio Capital presents an offer outlining the advance amount, total payback period, and repayment schedule.
After the agreement is signed, funds are typically deposited into the business account quickly, allowing the business to continue operations without interruption. Repayment is structured around the business’s cash flow, making it easier for companies with fluctuating sales to manage payments.
Lexio Capital’s revenue-based financing programs involve purchasing a portion of a business’s future receivables at a discounted price. Business cash advances are available in amounts ranging from $5,000 to $500,000. The company receives a cash advance as a lump sum, and repayment occurs as a percentage of daily or weekly sales until the agreed-upon amount is fully repaid.
Once approved, merchants can receive funds from Lexio Capital the same day. Lexio Capital’s advance products are non-collateralized and based on the volume that flows through a company’s business bank account. These solutions are typically intended as short-term business funding.
The advance amount will be repaid either by withholding a percentage of the merchant’s credit card sales or by direct deposit into the business bank account. Because payments adjust with revenue, this structure can align better with real-world cash flow than fixed monthly loan payments.
Lexio Capital does not publish detailed qualification requirements on its website. The company generally reviews factors such as time in business, monthly revenue, and overall sales consistency.
Minimum credit score requirements, exact revenue thresholds, and time-in-business standards are not publicly disclosed. Businesses seeking funding typically need to submit bank statements and other basic information to determine eligibility.
U.S. banking regulations are making it more difficult to obtain loan approval. As such, funders such as Lexio Capital have grown by offering popular business funding options, including revenue-based financing and merchant cash advances. Lexio Capital is particularly beneficial for companies seeking same-day business financing.
Revenue-based financing can entail higher costs than traditional loans, particularly when the discount rate applied to future receivables results in a larger total repayment amount. At the same time, this type of financing offers benefits such as faster access to capital, fewer qualification barriers, and cash-flow-adjusted payments. Ensure you compare alternative funders when choosing this type of financing.
Unlike conventional debt financing, revenue-based funding does not involve fixed interest rates on business loans or set monthly payments, and approval is often based more on sales than on credit history. Lexio Capital’s website provides limited transparency about rates, terms, and fees, so applicants must review offers carefully before signing.
The company provides financing to a diverse range of industries. Applying for or repaying funding may affect a business’s creditworthiness, depending on how accounts are reported, although specific reporting practices are not disclosed. Overall, Lexio Capital maintains a modest online reputation, with user feedback focusing on speed, service, and access to funding rather than long-term affordability.
Lexio Capital offers a business funding affiliate program. ISOs and business loan brokers can sign up on the company’s website to refer deals and earn commissions. Partners highlight Lexio Capital for its fast processing and communication.
Lexio Capital promotes a streamlined, rapid application process that reduces paperwork and minimizes delays. The process is handled online and typically requires only basic business information.
Business owners register and submit an application containing basic details about the business, ownership, and funding needs.
Applicants are asked to log in and connect their business bank account or submit recent bank statements so that Lexio Capital can review sales volume and cash flow.
If approved, the business receives a funding offer outlining the advance amount and repayment terms. Once signed, the company proceeds with funding.
After documents are submitted and finalized, funds are typically deposited quickly, allowing the business to continue operations without delay.
After funding, repayment is generally tied to the business’s sales, with payments deducted daily or weekly from the business account. Specific repayment terms, payment frequency options, prepayment penalties, early payoff discounts, and renewal policies are not fully published by the company. Businesses interested in paying off early or renewing for additional funds should confirm these details directly with Lexio Capital before closing.
Lexio Capital’s primary advantages include rapid access to cash, flexible revenue-based repayment, and an application process that does not rely heavily on credit scores. The company can be a valuable option for small businesses that require quick working capital, want to continue growing, or need funds to purchase inventory, cover expenses, or support sales expansion.
The main disadvantages include limited transparency around factor rates, total costs, and repayment terms. Revenue-based financing can be more expensive than traditional loans, and frequent deductions may strain cash flow if sales decline. Businesses that qualify for bank loans or SBA financing may find more affordable options elsewhere.
Pros
Cons
Lexio Capital operates as a legitimate business funding company serving small businesses across the U.S. It maintains an online presence, is listed on professional platforms such as LinkedIn and ZoomInfo, and is associated with a registered business entity. While legitimacy does not guarantee suitability, the company appears to be an established provider in the alternative financing space.
Overall, Lexio Capital has a 4.9/5 rating based on 125 Google reviews. However, it also only has a few reviews on other sites to compare. Lexio Capital reviews often focus on the company’s speed, service, and accessibility for businesses that need rapid funding.
Positive reviews often mention fast approvals, responsive communication, and the ability to reach funding when other lenders decline applications. Customers highlight the convenience of the application process and the flexibility of revenue-based repayment.
Customers have reported that working with Lexio Capital has been a great experience. Positive user experiences with Lexio Capital include descriptions of a professional and responsive staff. Customers appreciate that Lexio Capital genuinely cares about getting deals done and supporting their growth. Customers describe Lexio Capital’s team as fast, transparent, and consistently responsive.
Negative reviews often cite cost concerns, limited upfront information, and the impact of frequent deductions on cash flow. Some users note that they would have preferred more precise explanations of total repayment amounts before closing.
Lexio Capital may decline a funding application due to various reasons, such as insufficient revenue or operational history, or inconsistent cash flow. The company doesn’t publish minimum qualifications, making it difficult to determine whether you’ll qualify before applying.
If the funder declines your application, it should provide written notification explaining the reasons for the decision. If not, or if you require more information, contact Lexio Capital directly.
Fortunately, you have many business lending options to consider if Lexio Capital doesn’t meet your needs. Several online funders offer similar revenue based financing options in addition to more conventional debt financing products.
Working with a small business loan marketplace such as United Capital Source lets you apply to a network of lenders through a single application and receive multiple offers. You can then receive guidance in choosing the best option for your business needs.
You may be interested in one of the following small business loans:
Lexio Capital may appeal to small businesses that require quick access to capital, have consistent sales, and understand the trade-offs of revenue-based financing. It can be a practical short-term solution for managing cash flow, supporting growth, or covering immediate business needs. However, businesses with strong credit, more time, or long-term financing goals may want to compare Lexio Capital to traditional loans or SBA-backed options that offer lower overall costs and more precise terms.
Based on the available information, we rate Lexio Capital 3.2 out of 5. It could be a viable option for short-term business funding, but it lacks transparency for comparison with other options.
Disclaimer: The Lexio Capital trademark is owned by Lexington Financial Consultants LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Lexington Financial Consultants LLC.
