Become, formerly Lending Express (learn more)


About Become: Transforming Small Business Funding

About Become: Transforming Small Business Funding

About Become

Even if you’ve met us before and you think you know all there is to know about Become, the company we are today may be quite different from the Become you’re already acquainted with.

So whether you’re a new or old partner or customer, or even just visiting, we’d like to formally introduce you to the new Become.

Hi (virtual handshake), we’re Become, a technology company providing access to tailored business funding. Born in 2016, we started out as a business lending marketplace in the US and Australia, but have invested in product and technological development, are growing consistently and are constantly revolutionizing our offerings.

We at Become are dedicated to transforming the business lending market. Bold mission we know, but true.

This is how we will achieve our mission – we use advanced algorithms and AI to unlock better funding opportunities for SMBs and allow access to funding for those millions of businesses that were previously overlooked. In doing so, Become is introducing an entirely new and large market segment to lenders.

Is Become a Lender?

As this a question we get asked many times, we decided to tackle this head-on. No, we are not a lender. We are a completely independent technology company that partners with lenders to provide SMBs with quick and easy access to their optimal funding solution. It is because we are independent that we are able to service the millions of SMBs who find it challenging to get business funding.

Quick Jump To…

How to apply for funding through Become
Become requirements
Which loan products are offered?

Company Snapshot

At Become, we are driven by numbers and results:

  • Over 150,000 registered members
  • 9.7/10 customer satisfaction
  • Over $150 million funded
  • 50+ business partners

What Makes Become Unique?

Unlike other players in the market, Become is not just a business lending marketplace matching borrowers to lenders. Nor are we just a business credit profiler. We do both, and more. We believe that businesses are unique so funding should be too.

Become profiles each SMB on a multi-dimensional level and calculates its unique LendingScore™, which is more comprehensive than the traditional binary credit score, and unlocks far more funding opportunities. Each SMB can access all their profiling information through their intuitive LendingScore™ dashboard. Qualified SMBs get matched with the optimal funding solution and ineligible businesses are given a step-by-step tailored plan to reach funding success.

In doing so, Become unlocks funding opportunities for millions that were deemed ‘unfundable’, helping businesses get the financing they deserve. Over half of SMBs, 58% to be precise, are unfairly denied access to funding and Become is out to change that.

How to Apply for Funding Through Become

If you own or manage a small-to-medium business, this is how you can apply through Become.

  • SMB completes an easy online application
  • Automated application review gives higher approval odds
  • LendingScore™ business profiling through a tailored dashboard
  • SMBS with sufficient LendingScore™ get matched to optimal lenders
  • Select the best offer
  • Continuous improvement to optimize solution
  • SMBs with insufficient LendingScore™ receive a step-by-step plan to improve

Our Partners

Become is very selective when it comes to our partners. There are many, many online lenders out there – we hand-pick only the top lenders with the best reputations that are committed to responsible lending. We have the same selection standards when it comes to our other partner solutions, such as credit cards and business services.

Our Founders

Become was founded by a team of serial entrepreneurs who have a track record of successfully launching, operating and exiting several profitable businesses together.

Our Team

Our team is made up of talented software engineers, product designers, marketing and business experts and motivated customer service managers, who are dedicated to helping small businesses succeed.

Can Become Help Startups?

Yes, Become partners with lenders that can help startups.

Become requirements

Become Requirements

The Become minimum requirements for getting a loan vary based on whether you are in the US or Australia. Specific requirements depend on the lender and the offer for which you qualify.

Which Loan Products are Offered?

Unsecured Business Loans
Line of Credit
Invoice Factoring
Merchant Cash Advance
SBA Loans
Equipment & Vehicle Finance
Startup Loans
Asset-Based Loan

Become Technology

Automated Application Review

Each application is automatically reviewed and cross-validated to ensure 100% accuracy, resulting in higher approval odds.

Transparent LendingScore™ Dashboard

Each business is deeply analyzed by our proprietary AI and given a tailored funding profile, showing strengths, areas for improvement and a step-by-step tailored path to improvement. This is all presented through a simple scoring system and a custom, private dashboard.

LendingScore™ is the new FICO for small business lending.

MatchScore™ – Matching SMBs with Lenders

Advanced algorithms achieve the optimal lender-to-SMB match based on the analysis of multiple parameters and the waterfall mechanism automatically re-assigns lenders until the SMB selects its match.

Partner Performance Program

Partners gain access to their intuitive, tailored performance dashboard, which shows results based on mutually agreed goals and targets.

Become Services

Become has a team of Account Managers that are available to assist customers throughout the application process. The team also provides nurturing for non-qualified applicants with their step-by-step improvement plan, to achieve funding success. Our Account Managers are available via phone or email.

US Contact Details:

Phone: 838-800-0664
Email: support@become.co

Australia Contact Details:

Phone: 02-831-80722
Email: support@become.co

What if I Have a Bad Credit Score?

Some of our partners will not judge you based on a low credit score, as they base their decision on the overall health of your business.

What is the Interest Rate?

At Become, we have over 50 lending partners, each with their own loan terms and products. Most of our lenders don’t use a set interest rate for their loans but provide a tailored set loan fee based on the health of the SMB and other relevant criteria.

How Much Does it Cost to Apply Through Become?

Become is a free service for SMBs and there is no cost to apply for loan offers and use the LendingScore™ dashboard.

Become Reviews

Become reviews on TrustPilot are positive with the company having an overall customer rating of 9.7 out of 10.

Disclaimer: The information contained in this article is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The author accepts no responsibility for any consequences whatsoever arising from the use of such information.