In business since 2022 · Based in Austin, TX and Dallas, TX
Your Advocate in Business Lending
Fine Point Lending connects small businesses across all industries with potential funding options. We're not a lender — we're your advocate, helping you explore offers from lending providers.
Our Mission
The business lending landscape is complex, fragmented, and often predatory. We built Fine Point Lending to help level the playing field. Through a transparent marketplace, we help business owners explore potential options and understand the terms before they commit.
Why We're Different
We built our model around your success, not lender margins.
Marketplace Model
Direct lenders only offer their own products. We help you explore options across our lending network based on your business profile.
Total Transparency
No hidden fees or bait-and-switch tactics. We break down the true cost of capital so you know exactly what you're paying.
Dedicated Advisors
Technology handles the matching, but humans handle the strategy. You get a dedicated funding expert to guide you.
Speed & Efficiency
Time is money. Our unified application process means you apply once and get multiple offers without dinging your credit multiple times.
Our Company
A focused team helping small businesses explore funding options.
In business since 2022
Fine Point Lending has been in business since 2022 and is based in Austin, Texas, and Dallas, Texas. We connect small businesses across all industries with potential funding options through a network of providers. Available products, terms, and eligibility vary by provider, and submitting an application does not guarantee approval.
Since launch, we've focused on making the funding process easier to understand. We help business owners compare potential options and stay informed as providers review their applications.
What We Fund
We serve small businesses across all industries. Available funding options and eligibility depend on the provider, your application, and the documentation requested during review.
Loan products we offer
- SBA 7(a) & SBA 504 loans. Government-backed financing up to $5M for working capital, real estate, and acquisitions.
- Business lines of credit. Revolving capital from $25K to $500K — draw what you need, pay interest only on what you use.
- Term loans. Fixed-rate installment loans from $50K to $2M for predictable, longer-horizon investments.
- Working capital advances. Fast bridge funding tied to revenue, with flexible daily or weekly remittance.
- Merchant cash advances (MCA). Funding against future receivables for businesses that need speed over the lowest cost.
- Equipment financing. Up to 100% financing on the equipment, vehicles, or machinery your business runs on.
Borrowers we serve
Whether you're a first-time borrower, recovering from a tax-lien hiccup, or a multi-location operator looking to expand, we can help you explore providers that may fit your profile. Eligibility and offers vary.
Lending guides & resources
Plain-English explainers of every major small business funding product — qualifications, costs, timelines, and side-by-side comparisons.