Companies like Lendio
Companies similar to Lendio, compared from their public pages in October 2026, for owners who want a marketplace or a broad lender menu.
Lendio is a marketplace with 100+ lenders. The closest alternatives are other marketplaces and multi-product online lenders that also offer several financing types.
Marketplaces are the closest match. Merchant Fund Express is one, focused on MCAs, lines of credit, second position funding and buyouts with a published 500 credit floor.
Multi-product lenders are the next closest. National Funding lists working capital loans and equipment financing; Credibly lists working capital, lines of credit, MCAs and equipment financing; OnDeck lists term loans and lines of credit.
Line-of-credit specialists such as Bluevine suit owners who already know they want revolving credit.
Fundbox offers several products through platform partners rather than direct applications.
The key difference: a lender funds you itself under one set of criteria, while a marketplace lets several lenders compete for your file.
For SBA loans specifically, Lendio’s menu is broader than most of the companies listed here.
Illustrative example: an owner with a 680 score and three years in business who needs $250,000 for equipment may get strong options from a broad marketplace or an equipment lender. An owner with a 560 score who needs $30,000 next week and already carries an advance will find a working-capital-focused marketplace more relevant.
Using two marketplaces: it can widen the pool, but some lenders appear on both. Tell each marketplace what you already submitted so funders are not surprised by duplicate files.
Whatever you choose, compare written offers on net cash, total payback and payment frequency rather than speed claims alone.
Ask each marketplace how many lenders reviewed your file and why any declined.
| Lendio | |
|---|---|
| How it works | Marketplace connecting businesses with 100+ lenders |
| Minimum credit | Not published |
| Time in business | Not published |
| Revenue | Not published |
| Amounts | From under $5,000 to over $1M |
| Speed | As little as 24 hours (may be longer) |
| Products | A/R financing, equipment, SBA, business loans, lines of credit |
| States | Not published |
Sources: Lendio homepage, Trustpilot; checked October 2026. Lendio is a trademark of its owner; Merchant Fund Express is not affiliated.
Decide first whether you want a marketplace or a single lender. Then compare written offers on net cash, total payback, payment frequency and term, and check whether each provider handles your situation, such as an existing advance.
Good fit:
Compare first if:
Instead of applying to Lendio and each similar company separately, one Merchant Fund Express application is matched with multiple funders. Credit from 500, same-day decisions, funding typically the next business day.
Merchant Fund Express, National Funding, Credibly, OnDeck, Bluevine and Fundbox.
Merchant Fund Express.
Credibly and Merchant Fund Express.
It lets several funders compete; a direct lender may be simpler if you already qualify.
Bluevine.
You can, but disclose prior applications since lenders may overlap.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
