Who Is Lendio?

Why Should I Choose Lendio?

We help you shop the most small business loan options in the world for free. And our fast and easy application process and best-in-the-business personal funding managers make it a breeze to find the right loan.

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Are You a Direct Lender?

Nope, we aren’t a lender. But we are partnered with the top lenders in the industry in order to help you get the capital you need. We’re just awesome like that.

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What Is an Online Lending Marketplace?

An online lending marketplace is basically a one-stop shop where you can use the resources and partnerships of the marketplace to help you with all aspects of getting the loan you need.

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What Kind of Small Business Loans Are There?

Lendio offers American Express Merchant Financing, SBA Loans, Term Business Loans, Short Term Loans, Business Lines of Credit, Startup Loans, Equipment Financing…see where I’m going with this? The list goes on and on.

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How Are Business Loans Different From Personal Loans?

Personal loans rely heavily on credit score and personal income as decision drivers, while business loans have a broader range of criteria to evaluate such as time in business, industry, business income, and bank account activity. Also, they’re for businesses.

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How Long Do I Need to Be in Business to Qualify?

There is no required length of time for a business to be operative in order to qualify for a business loan. However, you are going to need a business, startup or otherwise, to qualify for a business loan.

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Why Do You Pull Credit?

Credit is one factor among many that can affect qualifications for some loan products. But we only do soft credit pulls until you choose a loan in order to avoid affecting your credit while still providing you with relevant options for loan products and rates.

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Does My Credit Score Matter?

The most important factor for most business loans is the strength of the business. However, personal credit can be more important for startup options if you have little or no business history.

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How Long Does It Take to Get My Money?

We can usually provide attractive options in 24-48 hours of receiving your completed application. Not to mention our magical online application will help you save time getting there!

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How Much Do You Charge? What Are Your Fees?

We don’t charge anything until and unless you get funded. Once your chosen loan is funded, we get a loan origination fee.

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How Much Will the Money Cost?

Your credit, business income, and time in business will qualify you for loans that have varying terms and rates depending on your particular situation. Once you see which loans options are available, you’ll be able to answer that question more specifically.

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How Long Have You Been in Business?

Lendio has been in business for six years, earning a 9.5 rating on Trust Pilot with over 800 reviews!

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