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The Lendio Small Business Loan Marketplace

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Find The Right Loan

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Looking for a small business loan? We’ll help connect you with the right business loan lender for your needs– not just any old lender. With Lendio, you’ll find everything you need to get approved. On this page, you have access to expert knowledge about loan rates, payment plans, and everyday business decisions you encounter.
Whatever your business goals or business size — from start-ups to fast growing companies — we can connect you to a marketplace of over 75 lenders working to make your small business dream come true. We have picked only the highest quality lenders. When you work with us, you know you’re getting the small business loan that best fits your needs.

Lendio can help you get a loan for any of your small business needs including:

  • Expanding your business
  • Starting a business
  • Accessing short-term cash flow
  • Converting your warehouse
  • Moving to a larger location
  • Hiring a larger staff
  • Purchasing new equipment
  • Increasing inventory
  • Refinancing debt into lower interest loans
  • Fueling your dreams

Once you choose the best loan option for you from the list below, simply answer a few basic questions you will be connected with a Lendio funding manager. The funding manager plays a pivotal role in working with our network of lenders to get you the best business financing options and rates. Your funding manager will take care of all the legwork, from collecting your important loan documents to communicating with the lender all the way through the process. This allows you to focus on what is most important, your business. This also ensures you’re getting rates that have been competitively negotiated and that the loan structure best fits your needs. Once your options have been presented to you, you are free to choose any offer you receive. Should you have any questions or concerns, our team of funding managers is happy to help guide you through the process.

Learn more about small business loans and how to set yourself up for the best loan options available to you and your business.

American Express® Merchant Financing

American Express® Merchant Financing

Merchant Financing is a business loan program that can help American Express Card-accepting businesses benefit from a convenient, cost-effective, and simple way to get funds. It is most appropriate for established businesses which have a minimum of 2 years credit card acceptance.

Common uses for Merchant Financing include capital improvements, business expansion, inventory management and other working capital needs.

*Terms apply.

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Loan Amount: $5,000 – $2,000,000

Loan Term: 1 – 2 Years

Payment Frequency: Daily

SBA Loan

SBA Loan

These loans are available through the Small Business Administration (SBA) agency. The loans are made through traditional avenues of funding, however, the SBA provides lending guidelines and guarantees a portion of the loan. Lendio offers several different SBA Loan products including SBA 7a, SBA 504, and SBA Express loans.

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Loan Amount: $35,000 – $5,000,000

Loan Term: 25 Years

Payment Frequency: Monthly

Long Term Business Loan

Term Business Loan

Usually sought after by established businesses, a term business loan is typically chosen for expanding a business, purchasing equipment, buying real estate, and providing working capital. Term business loans are standard loans that carry fixed interest rates, regular repayment terms, and a fixed maturity date.

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Loan Amount: $5,000 – $2,000,000

Loan Term: 1-5 Years

Payment Frequency: Daily, Weekly or Monthly

Short Term Loans

Short Term Loan

When you need flexibility to manage things that pop up in your business, a short term loan may be the solution. Just like the name says, a short term loan helps you manage through an unexpected situation when you need funding for a brief period of time. Maybe you have come across a great deal for the business or just need a temporary cash flow solution. A  short term small business loan should be the right answer for you. Usually small business owners qualify for a short term loan if they have experince in the related field.

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Loan Amount: $2,500 – $250,000

Loan Term: 1-5 Years

Payment Frequency: Monthly

Business Line of Credit

Business Line of Credit

Sometimes a business can benefit from having a business line of credit instead of a formal loan. A business line of credit provides a financial cushion for those times when a little more capital is needed for operation.  The security of a business line of credit lets a business owner work with confidence knowing that business needs will be met and the funds don’t have to be used until those times.

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Loan Amount: $1,000 – $500,000

Loan Term: 1-20 Years

Payment Frequency: Monthly

Business Startup Loan

Startup Loan

Launching your business will require getting the capital you need for operational expenses. Finding the appropriate funding can be a challenge but through our marketplace of 75+ lenders, we’ll match you with traditional and non-traditional lenders who understand the complexities of startup businesses. If you have a personal credit score of 640 or above, you’ll be in great shape to get the startup loan you need.

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Loan Amount: $500 – $750,000

Loan Term: 1-5 Years

Payment Frequency: Monthly

Equipment Loan

Equipment Financing

Sometimes acquiring new equipment can dramatically change the profitability of a small business. However, equipment can be a major expenditure which most small businesses aren’t prepared to accomodate. Fortunately, small business equipment financing is available for these situations. Another added benefit of equipment loans is that if you don’t have any collateral, the equipment itself can count as collateral. Equipment financing can be more secure that other loans and lenders can be more willing to work with you to get what you need.

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Loan Amount: Up to $5,000,000

Loan Term: 12 – 72 Months

Payment Frequency: Monthly

Merchant Cash Advance

Merchant Cash Advance

The truth of any business is that it is impossible to plan for every eventuality. As much as you work your business plan and practice due diligence, sometimes the unexpected happens. That’s when a merchant cash advance can be a great solution. For those times when you need fast access to capital, a merchant cash advance lets you borrow against your future earnings and get funds right away.

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Loan Amount: $5,000 – $200,000

Loan Term: 3 Months – 24 Months

Payment Frequency:

Daily / Weekly / Monthly

Commercial Real Estate Loan

Commercial Real Estate

Commercial real estate is always a very secure piece of collateral. Our flexible financing plans allow you to buy, build, expand, remodel, refinance and get cash out of your business. A commercial real estate loan (also referred to as a commercial mortgage) must include the plans to build a structure or business project. It can also be used for a multi-family dwelling of five units or more.

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Loan Amount: $150,000 – $5,000,000

Loan Term: 20 – 25 Years

Payment Frequency: Monthly

Accounts Receivable Financing

Accounts Receivable Financing

Sometimes a company can get into a financial bind during the time services are provided and the 30 days it takes to collect invoiced amounts. This is when Accounts Receivable Financing can be a real plus.  In these cases a lender will look at who owes payment, what amount is owed, and possibly advance the business the funds, collecting the money from the company’s client. Payment is contingent upon the credibility of the invoiced company but is especially beneficial to small businesses because it dramatically decreases the time-to-payment.

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Loan Amount: Up to 80% of A/R

Loan Term: Generally up to 90 days

Peer to Peer Lending

Business Credit Cards

Sometimes the best type of funding for a small business isn’t a loan at all. Business credit cards are gaining in popularity because they allow for both short and long term purchases and can provide cash to help with unexpected expenses. This can be especially beneficial for your small business, whether you’re just getting started or have been established for years.

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Existing Business Purchase

Business Acquisition Loan

Often overlooked is a Business Acquisition Loan. As the name states, this loan is used to get the funding needed to purchase an existing company. More often than not, people who are interested in buying a small business do not have the finances available on hand to make the purchase. Lendio has extensive experience setting people up with a loan to purchase an existing business. 

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Instantly see your loan options, It’s free and won’t impact your credit

We’ve been small business owners too!

As the founders of Lendio, we know a thing or two about turning dreams into reality. We’re entrepreneurs who have started many successful businesses and understand what it takes to build something from the ground up and then grow past that start-up stage. We appreciate the entrepreneurial spirit of those who run small businesses today and want to do everything possible to make sure they succeed. Our sole mission is to help small business owners quickly get the money they need.

 

You have great options

Because small business owners don’t always have the financing options available to them that larger companies do, we’ve made it our goal to expand those options and open up a new world of small business loan opportunities. Lendio does not make small business loans; however, we work with our network of over 75 lenders to match borrowers with the best lending options for your business.

 

Everything you need to know about credit and approval for your business loan:

Before applying for a business loan, it’s a good idea to take a look at your credit. Lenders will use your credit score to determine how they will do business with you. The key takeaway here is that if your credit isn’t great, take some steps to improve your credit as soon as you can. But just because your credit score isn’t great doesn’t mean that  One of the things that surprises many small business owners is that funding institutions will look at your personal credit score too. To them, you are the business and they can get a good idea of your creditworthiness based on how you manage your personal credit.

Pull your credit report for free at annualcreditreport.com.

How does your credit score measure up?

Your credit score, or FICO (for Fair Isaac Corp.) score, is a number between 300 and 850 calculated from a formula that is designed to gauge your creditworthiness. Each of the three reporting credit bureaus calculates a little differently, but a score between 750-850 is generally accepted as “great.” A “good” score is between 660-749. “Fair” and “Poor” fall between 620-659 and 619 and below, respectively.

Keep An Eye On Your Credit

 

Improve Your Credit Score

  • Minimize outstanding debt
  • Avoid overextending yourself
  • Refrain from needlessly applying for credit
  • Make credit payments on time

The Five Cs of Commercial Credit

Lending institutions use five criteria when determining the creditworthiness of a small business. Your situation is unique and different criteria will be more important than others, but, generally, these five factors will impact your ability to get a small business loan.

  • Character
  • Credit Score
  • Capacity
  • Capital
  • Collateral

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