What if the reason your business can’t grow isn’t because of a bad idea but because you were handed the wrong kind of loan?

It happens more often than you’d think.

Traditional banks have long followed a rigid lending system. You walk in, apply, wait weeks, and then receive either a yes or a no based on a standard formula that often doesn’t take your industry, growth stage, or unique needs into account. And even if you’re approved, you’re typically handed a loan with fixed terms, fixed payments, and fixed expectations.

But here’s the thing: businesses are not one size fits all. So why is your funding?

The Numbers Don’t Lie

A 2024 survey found that only 31% of small businesses who applied for bank loans got the full amount they asked for. More and more are now choosing alternative lenders because the process is quicker and the terms are easier to work with.

These numbers show a growing disconnect between what business owners need and what banks are willing or able to provide.

That’s where LNS Group steps in.


 

The Problem with Traditional Lending

To understand how LNS works differently, it helps to look at what traditional banks do.

Banks typically use strict credit score cutoffs, lengthy approval processes, and rigid repayment plans. They assess risk based on historical performance, not your business’s potential. And if you don’t fit their box say, you’re a newer business, or have fluctuating revenue you’re likely to be denied.

Here’s what that usually looks like:

  • Long wait times (sometimes 30 - 60 days)
  • Piles of paperwork
  • Collateral requirements
  • Rejection based on outdated credit models

The end result? Many capable entrepreneurs are left without the capital they need to grow, restock, hire, or simply survive a seasonal dip.

 

Case Study 1

Private Medical Practice

  • The challenge:
     A small women’s health clinic in Houston needed funding to buy new diagnostic equipment and grow its telehealth services. But banks were unwilling to help because the clinic had tight cash flow and inconsistent insurance payments.
  • How LNS helped:
    We provided a revenue based financing option that gave the clinic fast access to funds without fixed monthly payments. Repayments were tied to their income, so they could stay on track even during slower months.
  • The outcome:
    The clinic upgraded its equipment, increased its patient intake, and grew its telehealth appointments by 40% within six months.
     


 

Case Study 2

E-Commerce Warehouse Operator

  • The challenge:
    A fast growing e-commerce business selling custom home goods was getting ready for its busiest time of year. Inventory needs were higher than ever, but when they tried to get a loan, the banks said no because their revenue went up only during certain seasons
  • How LNS helped:
    We offered a line of credit based on real time sales data and projected demand. This allowed the business to draw funds only when needed and keep cash flow healthy without overborrowing.
  • The outcome:
    The company met seasonal demand with ease and ended the quarter with a 50% revenue increase compared to the previous year without the stress of a fixed loan payment hanging over them.


 

Case Study 3

Independent Trucking Company

  • The challenge:
    A solo trucking operator wanted to expand his fleet by adding a second truck. However, his credit history wasn’t strong, and traditional banks wouldn’t lend without a long financial history or collateral.
  • How LNS helped:
    We offered a working capital advance based on his recent contracts and incoming payments. No collateral was required, and funds were delivered within 48 hours.
  • The outcome:
    He bought the second truck, took on two new contracts, and doubled his monthly income all within 90 days.


 

Real Solutions for Real Businesses

These stories aren’t outliers they’re everyday examples of how flexible lending changes lives.

At LNS Group, we believe funding should adapt to the business not the other way around. Whether you’re in healthcare, logistics, tech, or retail, our job is to understand your business, listen to your goals, and design a solution that works for you.

That could mean:

  • A short term loan to cover seasonal inventory
  • A line of credit to smooth out cash flow gaps
  • Revenue based financing tied to your performance

 




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