Brooklyn-based funder brings 24-to-48-hour working capital decisions to dental and medical practices, salons, plumbing contractors, and professional-services firms routinely declined by traditional banks
BROOKLYN, N.Y. – Lending Valley, Inc , a Brooklyn-based small business funding company that has deployed more than $1 billion in capital to U.S. businesses, today announced an expansion of its same-day business funding program into a set of industry verticals that remain chronically underserved by conventional lenders, including dental and medical practices, beauty and salon businesses, plumbing and HVAC contractors, and professional services firms.
The expansion pairs the company’s existing 24-to-48-hour approval process with underwriting criteria built around how these businesses actually operate: capital-intensive equipment purchases, insurance reimbursements that arrive on 30-to-90-day cycles, seasonal revenue, and owners whose personal credit does not reflect the health of the practice or business.
Practice owners and trade-service operators face a structural problem: the moment they need capital most is the moment they can least afford to wait. A dental practice whose digital imaging system fails mid-week, a medical clinic expanding into a second operation, a salon replacing a failed HVAC system, or a contractor fronting materials on a signed job all face costs that compound daily. Conventional bank timelines, often four to eight weeks from application to decision, are misaligned with that reality.
“The businesses we fund are not high-risk. They are simply hard to underwrite with a template,” said Chad Otar, Chief Executive Officer of Lending Valley and a member of the Forbes Finance Council. “A dental practice carrying six figures of imaging and operatory equipment against receivables that settle in ninety days does not fit neatly into a scorecard. Neither does a salon that books most of its revenue in the fourth quarter. That is an underwriting problem, not a creditworthiness problem, and it is a problem we have built our business around solving.”
Expanded Program Details
Under the expanded program, qualifying businesses can access working capital from $10,000 to $1,000,000 across a range of products, including merchant cash advances, short-term financing, business lines of credit with no credit check requirement, invoice factoring, equipment financing, and SBA loans. Merchant cash advance approvals are typically funded within 24 to 48 hours; unsecured business funding is generally completed in three to five business days.
The company has also expanded two of its most specialized offerings. Its dental and medical equipment financing program is built for practices acquiring high-ticket clinical equipment, digital and CBCT imaging systems, operatory chairs and delivery units, CAD/CAM milling machines, sterilization suites, ultrasound and diagnostic hardware, where a single purchase can exceed six figures and delay directly reduces patient throughput. Separately, its dedicated business loans for salons program addresses beauty, nail, and barber businesses, a segment that collectively represents hundreds of thousands of U.S. establishments yet remains among the least served by traditional commercial lending.
Lending Valley currently serves more than 25 industry verticals nationwide, including healthcare and dental practices, restaurants and food service, retail, e-commerce, construction, landscaping, staffing and recruiting, and legal and accounting firms. The company holds a five-star rating from more than 100 reviewing businesses.
“Speed only matters if the decision behind it is sound,” Otar added. “We have spent years building underwriting that reads a business the way an experienced operator would, looking at cash flow, patient or customer concentration, and seasonality rather than a single number. That is what lets us move in 24 hours without lowering our standards.”
Businesses seeking funding can apply at www.lendingvalley.com or by calling +1 (347) 322-2761.
About Lending Valley, Inc.
Lending Valley, Inc. is a Brooklyn, New York-based small business funding company providing working capital to small and mid-sized businesses across the United States. The company offers merchant cash advances, short-term financing, business lines of credit, SBA loans, invoice factoring, equipment financing and unsecured business funding, with a particular focus on owners who have been declined by traditional banks due to credit history, lack of collateral, or industry classification. Lending Valley has funded over $1 billion in capital, with more than $2 billion in total financing provided across its family of companies. The company’s mission is to provide small to midsized busismall-s with the best funding solutions throughout their life cycle in a flexible and transparent environment. For more information, visit https://www.lendingvalley.com.
Media Contact
Concerned Person Name: Chad Otar, Chief Executive Officer, Lending Valley, Inc.
Address: 2940 Ocean Pkwy, Brooklyn, NY 11235, United States
Phone: +1 (347) 322-2761
Email: chad@lendingvalley.com
Website: https://www.lendingvalley.com
