🏆 BBB Accredited A+ ⭐ Trustpilot 4.7/5

Lendio Business Loans — Get Funded in 24 Hours

One application. 75+ lenders. Zero fees to apply. Lendio matches your small business loan needs with the best business loan offers — from $1,000 up to $5,000,000.

🔒 Soft Credit Check Only
⚡ 15-Minute Application
💰 Free to Apply
🇺🇸 All 50 States
Check My Rate — Free → See How It Works

Checking your rate won't affect your credit score. $15B+ funded to 300,000+ businesses since 2011. Learn about SBA loan programs at SBA.gov.

Get Your Business Loan Offer

Fill out the form below to see loan options matched to your business. Takes about 15 minutes.

Trusted lender network — 75+ partners
Bluevine
OnDeck
Credibly
Headway Capital
Funding Circle
American Express
Bank of America
Mulligan Funding
+ 67 more lenders
💵
$15B+
Total Funding Facilitated
🏢
300,000+
Businesses Funded
🤝
75+
Lending Partners
⭐
4.7/5
Trustpilot Rating — 21,500+ Reviews
Simple Process

How Lendio Works — Apply, Match, Get Funded

Lendio's streamlined application removes the confusion from small business financing. One form, multiple offers, zero fees.

1

Apply in 15 Minutes

Complete one simple online application with basic details about your business, revenue, and funding needs. No lengthy paperwork. Soft credit check only — your score stays protected.

⚡ Takes ~15 minutes
2

Get Matched With Lenders

Lendio's proprietary AI algorithm instantly matches your profile with loan offers from 75+ vetted lenders. Your dedicated funding manager helps you review and compare options side by side.

🎯 Multiple offers compared
3

Choose & Get Funded

Select the loan offer that best fits your business needs and budget. After final approval, funds can be deposited into your account in as little as 24 hours for qualifying loan types.

✅ Funded as fast as 24 hours
Learn More About the Process →
Funding Options

Lendio Loan Types — All Business Financing Options

From SBA loans to equipment financing, Lendio's marketplace offers the widest range of small business funding options — all in one place.

📋

Business Term Loans

Get a lump sum of capital upfront and repay with fixed monthly payments. Ideal for business expansion, hiring, inventory, or large one-time expenses.

$5,000 – $2,000,000
🏛️

SBA Loans

Government-backed loans with the lowest available interest rates and terms up to 25 years. Perfect for established businesses seeking affordable long-term capital.

$50,000 – $5,000,000
🔄

Business Line of Credit

A revolving credit line you can draw from whenever you need it. Only pay interest on what you use — perfect for managing cash flow and unexpected expenses.

$1,000 – $500,000
🚜

Equipment Financing

Finance machinery, vehicles, technology, or any business equipment. The equipment itself serves as collateral, making approval more accessible with competitive rates.

$5,000 – $5,000,000
🚀

Startup Loans

New business? Lendio offers startup financing for businesses as young as 3 months old. Get the capital you need to launch, grow inventory, or fund early operations.

$1,000 – $10,000,000
📄

Invoice Factoring

Turn outstanding invoices into immediate working capital. Stop waiting 30, 60, or 90 days for customers to pay — get cash now based on your receivables.

$10,000 – $10,000,000
View All Loan Types →
Small business owner applying for a Lendio loan online on laptop
Why Business Owners Choose Lendio

One Application.
75+ Lenders. Zero Fees.

Instead of spending weeks applying to lenders one by one and dealing with rejection after rejection, Lendio's marketplace lets you submit one application and receive multiple competitive offers in hours.

  • Completely free to apply — no hidden fees ever
  • Soft credit check protects your score while you shop
  • Dedicated funding manager guides you through the process
  • Loan terms from 1 month to 25 years available
  • BBB Accredited with A+ rating since 2021
  • Serving all 50 states since 2011
See All Benefits →
The Lendio Advantage

Lendio Benefits — Trusted by 300,000+ Businesses

Lendio has spent over a decade building the most borrower-friendly business loan marketplace in America.

🎯

AI-Powered Matching

Lendio's proprietary algorithm analyzes your business profile against thousands of recently funded deals to surface the loan offers most likely to be approved — and most affordable for your situation.

👤

Dedicated Funding Manager

Every applicant is assigned a personal funding specialist who understands your business goals, helps you compare offers, and advocates on your behalf with lenders throughout the process.

🔐

Bank-Grade Security

Your data is protected with 256-bit encryption — the same standard used by major financial institutions. Lendio undergoes regular security audits and maintains strict data protection protocols.

🌐

Nationwide Coverage

No matter where your business is located, Lendio's network of 75+ lenders covers all 50 states. Whether you're in rural Montana or downtown New York, you have access to competitive financing options.

⚡

Fast Funding Decisions

Traditional bank loans can take weeks or months. Lendio's digital-first approach means you can receive loan offers within hours of applying and access funds in as little as 24 hours for qualifying products.

📊

Transparent Comparison

See all your loan offers side by side — including rates, terms, fees, and monthly payments — so you can make a truly informed decision without pressure or confusing sales tactics.

Real Stories

Lendio Reviews — What Business Owners Say

Join 300,000+ entrepreneurs who have secured funding through Lendio's marketplace.

★★★★★
I applied on a Tuesday morning and had $85,000 in my account by Thursday afternoon. The funding manager walked me through every offer and helped me pick the right term loan for my restaurant expansion. I couldn't believe how fast and painless the whole process was.
Marcus T., restaurant owner who received $85,000 business loan through Lendio
Marcus T.
Restaurant Owner, Texas
★★★★★
As a first-time business owner, I was nervous about the loan process. My Lendio specialist explained everything in plain English, compared three different offers with me, and made sure I understood every term. I got a $50,000 line of credit that's been a game-changer for my boutique.
Sarah K., boutique owner who received $50,000 line of credit through Lendio
Sarah K.
Boutique Owner, California
★★★★★
I had been turned down by two banks before finding Lendio. Within a week, I had a $120,000 SBA loan approved for my manufacturing equipment upgrade. The entire team was professional, responsive, and genuinely invested in helping my business succeed.
Robert M., manufacturing owner who received $120,000 SBA loan through Lendio
Robert M.
Manufacturing Owner, Ohio
4.7
★★★★★
Based on 21,500+ verified Trustpilot reviews
Read All Reviews →
Questions & Answers

Lendio FAQ — Common Business Loan Questions

Everything you need to know before applying for a business loan through Lendio's marketplace.

The Lendio online application typically takes about 15 minutes to complete. You'll be asked basic questions about your business — including how long you've been operating, your monthly revenue, and what you need the funds for. After submitting, Lendio's system immediately begins matching you with lenders, and you can expect to receive loan offers within hours. Final approval and funding timelines vary by loan type, but some products — like merchant cash advances and short-term loans — can be funded within 24 hours.
No — Lendio only performs a soft credit inquiry during the initial application process. Soft inquiries do not appear on your credit report and will not affect your credit score. This allows you to explore your financing options risk-free. A hard credit pull may occur later if you decide to move forward with a specific lender's loan offer, but this happens at the lender level — not through Lendio — and only after you've reviewed and accepted terms.
Lendio's network of 75+ lenders offers business financing from as little as $1,000 up to $5,000,000 (with some startup loan options reaching $10,000,000). The amount you qualify for depends on several factors including your time in business, monthly revenue, credit score, and the specific loan type. Lendio serves businesses across the entire funding spectrum — from micro-loans for new startups to multi-million dollar SBA loans for established companies.
Yes — Lendio is 100% free for business owners to use. There are no application fees, no subscription costs, and no charges for comparing loan offers. Lendio's business model is based on referral fees paid by lenders when a loan is successfully funded. This means you get access to a marketplace of 75+ lenders at no cost to you. Any fees associated with the loan itself (origination fees, prepayment penalties, etc.) come from your chosen lender and will be fully disclosed before you agree to any offer.
Because Lendio works with 75+ different lenders, minimum requirements vary by loan type and lender. In general, most loans require your business to have been operating for at least 6 months and generate at least $8,000 in monthly revenue. Credit score requirements range from 550 for products like merchant cash advances to 680+ for SBA loans. Some lenders on the platform accept businesses as young as 3 months old for certain short-term products. Lendio's application will match you only with lenders whose criteria you're likely to meet, reducing unnecessary hard inquiries.
View All FAQs →
🚀 Ready to Apply?

Apply for a Lendio Loan — Free, No Credit Impact

Join 300,000+ business owners who found the right loan through Lendio. Free to apply. No impact to your credit score.

Apply Now — It's Free → Learn How It Works
✓ Soft credit check only
✓ Results in minutes
✓ 75+ lenders compared
✓ No application fees