Licences and disclosures

Last updated November 12, 2026

Commercial financing only

LenderCloud provides equipment financing, leases and working capital to businesses for commercial purposes. We do not make consumer loans.

LenderCloud is not a bank

LenderCloud is a commercial lender, not a bank. Financing is not a deposit and is not insured by the FDIC. Where a partner bank makes or funds a loan, your documents name that bank.

Credit approval

All financing is subject to credit approval and documentation. Not all applicants will qualify. Rates, terms and fees vary by credit profile, structure and transaction.

Cost disclosures

When we make you a specific offer, we state its cost as an annual percentage rate (APR) together with the amount, term, payments and fees. Some states, including California and New York, require specific commercial financing disclosures; where they apply, you receive them before you sign.

Questions

For licensing questions or to request a licence number for your state, email support@lendercloud.com.