Business owner in property subleasing cannot find a lender offering non-predatory loans because traditional and SBA lenders classify the business as 'passive income' and deny applications.

Existing loan products either categorize passive income businesses as high risk and deny them, or offer predatory interest rates (60-80% APR) that are not viable for sustainable growth.

Severity

4High

Willingness to Pay

implied

Added

Apr 27, 2026

App Concept

LeaseCash Lending

LeaseCash Lending is a fintech platform that provides fair-term loans to property subleasing and license-based businesses. Using lease revenue data and tenant payment history instead of traditional credit metrics, it offers lines of credit and term loans at competitive rates (10-20% APR) without requiring property ownership. It bridges the gap for passive income businesses overlooked by banks and SBA lenders.

Key Features

Revenue-based underwriting using lease/license income data
Lines of credit from $50k-$500k at 10-20% APR
Term loans up to 5 years with fixed rates
Automated repayment via direct deduction from lease payments

Target Users: Owners of property subleasing and license-based businesses in urban markets (e.g., NYC) who generate passive income but do not own the underlying properties, typically with $100k-$1M annual revenue.

Revenue Model: Origination fee (2-4% of loan amount) plus monthly servicing fee ($50/mo), targeting 10-20% APR interest spread. Subscription tier for analytics and lease verification at $99/mo.

Existing Solutions Mentioned

Revenue-based lending (factor rates 1.3-1.4, 60-80% APR)QuickBooks loans (22-28% APR)SBA loans (denied)BOC Capital (denied)

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