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Most businesses qualify for at least one loan product through Lendio's network. Here are the general baseline requirements for the most common loan types.
Lendio works with lenders who specialize in helping businesses that may not qualify for traditional bank loans. Even if you've been turned down before, it's worth applying β Lendio's matching algorithm will identify the lenders most likely to approve your specific profile. There's no risk: applying is free and uses a soft credit check only.
Having these documents on hand will help you complete your application faster and receive more accurate loan offers from lenders.
Driver's license or passport for identity verification. Required for all principal business owners.
Most recent 3β6 months of business bank statements to verify monthly revenue and cash flow patterns.
Last 1β2 years of business tax returns may be required for larger loan amounts and SBA loan products.
A current P&L statement helps lenders understand your business's financial health and repayment capacity.
Articles of incorporation, business license, or DBA filing documents to verify your business is legally registered.
Your federal EIN (also called a Tax ID number) is required for most business loan products.
Here's exactly what to expect after you submit your Lendio application β from matching to funding, step by step.
Lendio's AI immediately analyzes your profile and matches you with lenders whose criteria align with your business. This happens in real time as you submit your application.
A dedicated Lendio funding specialist will reach out β usually within a few hours β to discuss your financing needs, answer questions, and help you understand your options.
You'll receive loan offers from matched lenders. Compare rates, terms, monthly payments, and fees side by side with guidance from your funding manager.
Once you select an offer, your chosen lender may request additional documentation for final underwriting and approval. Your funding manager assists with this process.
After final approval, funds are deposited directly into your business bank account. Timing varies from 24 hours (short-term products) to several weeks (SBA loans).
Lendio's customer support team is available MondayβFriday, 7:30 AM β 5:00 PM MT at 855-853-6346. Or send us a message.