Lexington Capital Holdings

Best for: Owners who want one Long Island team to shop their file across about 75 partners, especially for a line of credit or SBA loan, with no credit pull to start.

Not for: Borrowers who want a published price, a named funder or written fee terms before they hand over bank statements. Lexington Capital Holdings publishes no cash-advance pricing at all.

Lender List verdict: Lexington Capital Holdings is a loan marketplace, not a direct lender: the partner you sign with sets the rate, fees and payments. It is fast-growing and well reviewed, but nothing is priced up front, so compare every term sheet line by line.

Lexington Capital Holdings at a glance

Lexington Capital Holdings is a New York loan brokerage, opened in 2022, that matches businesses with about 75 funding partners.

What is Lexington Capital Holdings?

Lexington Capital Holdings is a business-funding brokerage on Long Island that sends one application to about 75 banks, credit unions and other lenders. It describes itself as a brokerage rather than a lender, and partners decide approvals, rates and terms.

The company opened in 2022 and ranked No. 668 on the 2026 Inc. 5000 with 514% three-year growth.

How Lexington Capital Holdings works

Lexington Capital Holdings assigns each applicant a relationship manager who returns matched options in as little as 24 hours.

• Credit: no credit pull to start; the chosen funder may check later.
• Speed: same-day funding on some lines; SBA Express approval typically within 36 hours.
• Who funds you: the unnamed partner writes the contract and collects payments.

Lexington Capital Holdings rates and fees: what it really costs

Lexington Capital Holdings publishes almost no pricing; the only rate on its site is SBA 7(a) at typically Prime + 1% to 3%.

For working capital and cash advances, Lexington publishes no factor rate, holdback, ACH schedule, origination fee, UCC lien, reconciliation or early-payoff terms. Its terms page is silent on broker fees and partner compensation. One BBB reviewer reported $22,000 in fees on a $150,000 line, about 14.7%.

Worked example: since Lexington shows no cash-advance pricing, take direct funder Fora Financial's published factor range of 1.13 to 1.50. A $50,000 advance at 1.13 means $56,500 to repay, a $6,500 cost; over 126 weekday debits (about six months, our assumption) that is $448.41 a day, roughly 50% APR on an IRR basis. At 1.50 you repay $75,000, or $595.24 a day, roughly 174% APR.

Merchant cash advance rules that protect you

New York, California, Virginia, Texas, Florida, Georgia, Connecticut, Utah, Kansas and Missouri require some commercial-financing disclosure, per a March 2026 Venable LLP survey.

• New York: for deals up to $2.5 million with businesses run mainly from New York, the funder must disclose an estimated APR, finance charge, term and payments before you sign.
• Texas: both providers and brokers of sales-based financing must register with the state credit commissioner by December 31, 2026.
• Virginia: sales-based financing providers must register; Lexington was on the June 2024 registrant list.
• Confession of judgment and stacking: no published Lexington policy; read the funder's agreement.

Lexington Capital Holdings requirements

Lexington Capital Holdings publishes no minimum credit score, revenue or time in business; some lines need neither.

Pros and cons

Lexington Capital Holdings offers wide reach and strong ratings, but no price until a partner's term sheet arrives.

Pros

• One application reaches about 75 partners, from SBA loans to credit lines
• No credit pull to start the process
• BBB A+ and accredited; Trustpilot 4.8/5 from 388 reviews

Cons

• No published amounts, factor rates or fees outside SBA
• Funding partners are not named
• Terms page leaves governing law as an unfilled placeholder
• BBB reviews cite surprise fees and heavy follow-up calls from other funders

Lexington Capital Holdings vs. Lendio vs. Nav

Lexington Capital Holdings, Lendio and Nav all match borrowers with partner lenders, but only Lendio publishes partner rate ranges.

Lendio and Nav figures are from their own sites, with Nav's time-in-business figure from Finder; checked 2026-10-26.

Choose Lexington Capital Holdings for a hands-on manager and SBA help; choose Lendio for the largest network.

Lexington Capital Holdings alternatives on Lender List

The closest Lexington Capital Holdings alternatives are Lendio, Nav and direct funders.

• Lendio — 100+ lenders, no borrower fee
• Nav — offers matched to your credit profile
• Fundera by NerdWallet — marketplace with published loan ranges
• Fora Financial — direct funder publishing 1.13 to 1.50 factor rates
• Credibly — direct cash-advance funder with an early-payoff discount
• Browse all merchant cash advance providers on Lender List

Frequently asked questions about Lexington Capital Holdings

Lexington Capital Holdings is an active, BBB-accredited loan brokerage with a 4.8/5 Trustpilot score.

Is Lexington Capital Holdings Legit? Yes. Lexington Capital Holdings Ltd has operated since January 2022, holds a BBB A+ rating with accreditation since November 2024, and was a Virginia-registered sales-based financing provider in 2024. Trustpilot shows 4.8/5 from 388 reviews, and we found no regulatory actions. It is a broker, though, not a lender.

What Do Lexington Capital Holdings Reviews Say? Mostly positive: Trustpilot 4.8/5 across 388 reviews, and BBB 4.33/5 from 36. The negative BBB reviews cite unexpected fees on a term sheet and a flood of calls from other funders after applying.

Has Lexington Capital Holdings Faced a Lawsuit? No, not that we found. Our October 2026 search found no court case, regulator order or news report naming the company; "Lexington" lawsuit results concern Lexington Law, an unrelated credit-repair firm.

Is Lexington Capital Holdings a Direct Lender or a Broker? A broker. Lexington does not fund deals itself; it routes your application to about 75 partners. The partner sets your rate, payments and contract, so ask your relationship manager to name the funder and any broker fee before you sign.

What Happens if My Sales Drop? That depends on the partner's contract, because Lexington publishes no reconciliation terms. Advances repaid as a share of sales shrink when sales fall, but fixed daily or weekly debits stay the same unless the funder agrees to adjust them.

Does Lexington Capital Holdings Check Credit? Not at the start. Lexington says starting an application involves no credit pull and no obligation. Once you pick an offer, the funding partner may run its own credit check and apply its own minimum score.

Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.