Customer small business financing solutions delivered through a single, online application.
Free access to multiple funding solutions
See funding solutions from 75+ nationwide lenders with a single application.
Apply for financing, use free bookkeeping tools, send invoices, and more with a single Lendio account.
Find the best funding options for your small business
Faster, easier small business financing with one simple application – customized to your business.
Compare loan offers from our network of 75 + lenders.
Apply in just 15 minutes & get funded as quickly as 24 hours.
Get personalized support throughout the funding process.
Whatever your business needs, there’s a small business loan for that.
Gain quick access to cash by selling your purchase orders or receivables so you can get back to business as usual.
Tied to receivables
Speed of Funds
As soon as 24hrs
as low as 3%
Get a revolving amount of funds to borrow from when you need to and pay back later.
Cover just about every aspect of your small business. Some of the most common SBA loans are the 7(a), 504, and SBA Express.
up to $5M
Use it to cover unexpected costs, survive a slump, finance a short-term project, or even capitalize on a new business opportunity.
As soon as 24hrs
As Low as 8%
A term loan provides a lump sum that gets repaid in regular intervals over a set amount of time, also known as the loan term.
As Low as 6%
A cash advance is a form of funding that offers businesses quick access to funds by borrowing against the money they will make. That borrowed money is then repaid through a fixed daily percentage.
As Low as 18%
Use this loan to purchase any kind of equipment your business needs. There are financing options for nearly every industry and any variety of items you need.
As Low as 7.5%
Use it to buy, build, expand, remodel, or even refinance your business.
As Low as 4.5%
Invest in your own business. Instead of giving up equity to investors, a startup loan maintains your equity while accessing the working capital your startup needs to grow.
Up to $150k
Up to 31%
Purchase an existing business or franchise, and take advantage of business opportunities even if you don’t have the capital to purchase it outright.
As soon as 30 days
As Low as 5.5%
A business credit card helps you track expenses, build a strong business credit history, and increase your working capital so you can reap the literal rewards.
Up to $150K
Sure, you can go the bank route with a long application process and 75% rejection rate. But if you’re looking for financing in this lifetime, Lendio offers a faster, easier application process.
It’s secured with bank-grade encryption and SSL technology, so you know your information is safe.
We pair you with loan options from our network of 75+ lenders. Our dedicated funding managers can help you weigh the pros and cons of each option.
Once you’re approved, you’ll be able to access your capital in as little as 24 hours.
Qualifications for being given funding will vary by loan product and lender.
Credit score requirements will vary by financing type and lender. While some options are available for scores in the 500s a minimum credit score of 600 will make it easier to qualify for a loan.
TIME IN BUSINESS
While some lenders may allow for 3 months and others may require 1-2 years, six months is a good rule of thumb to follow to improve your chances of qualifying for funding.
Lenders will want to see a minimum threshold of monthly revenue. Like the other requirements, the exact minimum will vary by lender and loan type.
When applying for a small business loan, you’ll need to have some materials at the ready to provide alongside your application. Those materials will differ depending on the specific type of loan you’re applying for and on the lender. Ultimately, you’ll need to provide whatever the lender requires from you.
Been rejected in the past? We stand up for the underserved helping thousands of minority-owned businesses get the financial resources they need to grow their businesses.
Lendio proudly works with veteran business owners. Learn more about how we’ve worked with veterans and the funding resource available to you.
Women-owned businesses apply for financing at similar rates to businesses owned by men but are less likely to receive the full amount they sought. We’re working to provide a better financing experience with speed, options, and trust.
Studies show that financing applications submitted by minority-owned businesses are 3 times more likely to get rejected. We’re making business financing accessible to historically disenfranchised business owners.
Deciding which loan is right for you should hinge on two questions: What do you need funding for? And where are you qualified to get funds from? Think about what you plan to use the money for. Some loans are better suited to certain business needs, like equipment financing for buying new equipment or a line of credit for covering expansion costs. Consider these needs before choosing a loan product.You should also think about how much funding you need. This will vary by lender and loan product too. So estimate how much you need and how much you need to borrow. Use our loan calculators to help you answer this question.
Calculate your estimated monthly payment
Learn more about how to get a business loan.
Learn more about each individual lender.
Small business loans are a category of loans and financial products a lender might provide to a small business.
The difference between unsecured and secured loans comes down to one thing: collateral. Secured loans are backed by collateral while unsecured loans are not. Understanding the pros and cons of each can help you narrow down which small business loan type is right for you.
Business loans are taken out by small business owners either through banks or online lenders. Amounts and loan requirements can vary quite significantly. The business owner will repay the loan over a set period of time along with any associated interest and fees.
There are many different types of business loans. A term loan will likely be the most familiar; the business owner borrows a set amount and pays it back over a set period with interest. Other forms of financing, such as a business cash advance or invoice factoring, borrow against future earnings or unpaid invoices. A line of credit gives you access to a sum of money that you can draw from as needed.
It is possible to get certain types of business financing with a lower credit score. Some business cash advance lenders, for example, will allow for a minimum credit score in the 500s. Just know that with a lower credit score, lenders will typically look for a longer time in business and higher monthly revenue.
There are a number of reasons your loan may be denied. Your funding manager will work with you to identify loans you are best qualified for through our network of 75+ lenders. Should you be unable to find a match, Lendio has accounting software tools that can help you improve the financial health of your business and guidance on how to boost your credit score.
Applying is free and won’t impact your credit
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California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through Lendio Partners, LLC, a wholly-owned subsidiary of Lendio, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694.