Capital for your independent practice — Linkei Independent Financing
We connect self-employed professionals with lenders offering business lines of credit and equipment financing to help you grow your business.
Soft inquiry only. No impact on your credit score.
- Soft credit pull
- Working capital
- Equipment lease
- Sole proprietorship
- Business credit line
- Debt service ratio
- Cash flow analysis
- Merchant funding
Professional linking and credit-building financing for independent contractors
Financing options matched to your situation, in one place.
- Equipment Essential gear financing Get the tools you need to finish projects without draining your savings.
- Working Working capital loans Manage cash flow gaps between client invoices or during slow seasons.
- Growth Business credit lines Flexible access to cash for business credit building strategies.
- Repair Credit building programs Tools designed to help contractors establish an independent credit footprint.
- $5K–$250K Funding amounts available
- 24–48 hours Typical approval speed
- 1 soft pull Impact on credit report
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Specialized network
- We only work with lenders who understand the independent contractor model.
- Our partners value project history over traditional payroll data.
Fast assessment
- Our process focuses on cash flow and project longevity.
- Approval decisions are often returned within two business days.
Credit focus
- Build your business identity separate from your personal profile.
- We emphasize lenders that report activity to business credit bureaus.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Lack of payroll
Traditional banks reject you because you do not have W-2 employees.
Short time in business
Big lenders demand five years of tax returns for any loan approval.
Personal-only profile
You have strong personal credit but no business credit footprint.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Software Consultant
Hardware upgrade for local server maintenance contracts.
Graphic Designer
Short-term cash flow for client billing cycles.
General Contractor
Purchase of power tools for commercial construction jobs.
Freelance Photographer
New camera kit to support event work.
Business credit and operations resources
Explore our guides on how to build business credit for solopreneurs, manage client contracts, and optimize your self-employed business structure for 2026.