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Loantime
Loantime is a digital direct lender providing term loans and lines of credit to small and medium-sized businesses underserved by traditional banks.
Loantime
Loantime is a technology-enabled commercial lender focused on originating, underwriting, and servicing credit products for small and medium-sized enterprises. The firm's platform emphasizes speed of execution and data-driven underwriting, targeting borrowers that fall below the relationship threshold of large commercial banks but require more flexible capital than merchant cash advance providers offer. Its product set spans term loans, asset-based lines of credit, and equipment financing. The firm's credit appetite centers on established businesses with consistent cash flows, typically those generating between $500,000 and $20 million in annual revenue. Loantime aggregates capital from institutional funding partners and deploys it across a diversified pool of obligors concentrated in business services, healthcare practices, light manufacturing, and logistics. By structuring most facilities with daily or weekly remittance schedules, the firm compresses its weighted average maturity profile relative to balance-sheet banks. Geographic concentration historically tracked the Northeast and Mid-Atlantic corridors, though the digital origination model supports borrowers across the contiguous United States. Team and capital formation details remain opaque. No publicly disclosed fund closes, LP commitments, or named investment professionals were identified in available public records. The firm's origin-story narrative and leadership biographies are absent from standard commercial databases and its own web presence, limiting external verification of scale or track record. The absence of regulatory filings consistent with a registered investment adviser or publicly reporting vehicle suggests the firm either operates below institutional disclosure thresholds or structures its capital base through private credit vehicles that do not require public reporting. The firm competes in a crowded non-bank lending landscape alongside players like Kapitus, OnDeck, and Funding Circle — but its structural differentiator is an underwriting engine reportedly optimized for speed-to-term-sheet rather than relationship banking. This posture positions Loantime closer to an algorithmic balance-sheet lender than a traditional credit fund with quarterly valuations and LP-driven drawdown schedules.
General information
Firm type
Asset Manager
Year founded
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AUM
Undisclosed
Location
Region
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Country
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City
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Corporate office
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Sector focus
Frequently asked questions
What type of credit products does Loantime offer?
Loantime provides term loans, asset-based lines of credit, and equipment financing to small and medium-sized enterprises. These products are structured with accelerated remittance schedules — typically daily or weekly — and are sized based on the borrower's cash-flow profile rather than hard collateral coverage alone. The terms are shorter-duration than conventional commercial bank loans, reflecting the firm's focus on working-capital and growth-financing needs.
How does Loantime's underwriting differ from a traditional bank?
Loantime uses a data-driven underwriting engine that prioritizes speed of execution, often delivering term sheets faster than the 30-to-60-day cycles common at regulated banks. The firm's credit box targets operating businesses with consistent cash flows that fall below the relationship-size threshold of large commercial lenders. This scoring model weighs real-time cash-flow data and payment history more heavily than FICO scores or hard asset collateral, which is typical of non-bank digital lenders in this segment.
Who is Loantime's typical borrower?
The typical borrower is an established small-to-midsize business generating between $500,000 and $20 million in annual revenue. Sectors served include business services, healthcare practices, light manufacturing, and logistics. These are companies that need growth or working capital but cannot access the relationship-based credit lines that money-center and regional banks reserve for larger middle-market clients.
Where does Loantime source the capital it lends?
Loantime aggregates its lending capital from institutional funding partners, a model common among non-bank specialty finance platforms. The specific structure — whether it uses committed credit facilities, securitization warehouses, or managed fund vehicles — has not been publicly disclosed. No named limited partners or fund closes appear in public records, which suggests a private funding arrangement below institutional reporting thresholds.
Is Loantime a family office, a bank, or an asset manager?
Loantime is best categorized as a technology-enabled asset manager operating in the private credit space. It is not a chartered bank, nor does it take retail deposits. Its digital origination model and institutional funding base place it in the non-bank specialty lending category alongside firms like OnDeck and Funding Circle, though its focus skews toward slightly larger obligors and higher-touch structuring than pure marketplace lenders.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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