OpenbookCapital
Check my options

How we work

How it worksEvery step and how long it takes The Openbook StandardWhat we promise on every offer

Company

About Openbook PartnersRefer clients, or fund with us Careers

Get in touch

Contact Request a callPick a time that suits you
We're a broker, not a lender

Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

Read the standard

Lender profile

Lendio

Marketplace Lehi, UT Founded 2011 Checked Sep 30, 2026
Lendio is a marketplace, not a lender: it takes one application and passes it to funders in its network, which make the credit decisions and fund the deals. Through them it shows lines of credit, term and short-term loans, SBA loans, equipment financing, receivables financing and revenue-based financing. Its minimums vary by product, from 3 months in business and $4,000 in monthly sales for revenue-based financing to 2 years and a 640 score for SBA loans.
Visit lendio.com Compare with similar funders
Heads up. Several figures differ between Lendio's product pages and its loan overview page, including the maximum line of credit ($500,000 vs $750,000) and short-term loan amounts. Its pages describe its network as both 75+ and more than 100 funding partners.

The open book

What Lendio publishes, and what it doesn't

7 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$1K–$10M
Minimum credit score
500+
Minimum time in business
3 months
Minimum monthly revenue
$2,500
Speed, in its words
As soon as 24 hours

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Minimum revenue
  • Funding speed
  • Price (rate or factor)
  • Term length
  • Fees Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Lendio's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price published
Amounts
From $1K
Price
Rate 8%–60%
Term
4–24 months
Repayment
—
Minimums
Credit 600+ · Time in business 6 months · Revenue $2.5K/mo
Speed
1-2 days
Fees
No draw fee.
Sources (14)
Price published
Amounts
$5K–$5M
Price
Rate from 7.5%
Term
12–120 months
Repayment
—
Minimums
Credit 520+ · Time in business n/p · Revenue $50K/mo
Speed
As fast as 24 hours
Sources (11)
Price published
Amounts
Up to $10M
Price
Rate from 3% (basis not stated)
Term
Up to 12 months
Repayment
—
Minimums
Credit 600+ · Time in business 6 months · Revenue $8K/mo
Speed
As soon as 24 hours
Sources (10)

Revenue-based financing

How revenue-based financing works
Price not published
Amounts
From $5K
Price
Not published
Term
3–36 months
Repayment
Variable
Minimums
Credit 500+ · Time in business 3 months · Revenue $4K/mo
Speed
As soon as 24 hours
Sources (11)
Price not published
Amounts
Up to $5M
Price
Not published
Term
From 120 months
Repayment
—
Minimums
Credit 640+ · Time in business 2 years · Revenue $8K/mo
Speed
1–2 months after approval
Sources (12)
Price published
Amounts
$5K–$2M
Price
Rate from 6%
Term
6–120 months
Repayment
—
Minimums
Credit 600+ · Time in business 1 year · Revenue $8K/mo
Speed
As soon as 24 hours
Sources (12)
Price published
Amounts
Not published
Price
Rate from 8%
Term
Not published
Repayment
—
Minimums
Credit 600+ · Time in business 6 months · Revenue $8K/mo
Speed
1–3 business days
Sources (8)

Similar funders

Funders offering the same products

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

BlueBridge Funding

Broker
$50K–$200K550+ creditNo price

Fora Financial

Direct funder
$5K–$1.5M570+ creditPrice published

Kapitus

Direct funder
$5K–$7M650+ creditPrice published

ROK Financial

Broker
$10K–$5M500+ creditNo price

1West

Marketplace
$5K–$10M500+ creditPrice published

Head-to-heads

Biz2Credit vs LendioClarify Capital vs LendioLendio vs National Business Capital

Pages we read

  1. https://www.lendio.com/
  2. https://www.lendio.com/business-loans/
  3. https://www.lendio.com/business-loans/line-of-credit
  4. https://www.lendio.com/business-loans/term-loans
  5. https://www.lendio.com/business-loans/short-term-loans
  6. https://www.lendio.com/business-loans/sba-loans
  7. https://www.lendio.com/business-loans/revenue-based-financing
  8. https://www.lendio.com/business-loans/equipment-financing
  9. https://www.lendio.com/business-loans/accounts-receivable-financing
  10. https://www.lendio.com/company
  11. https://www.lendio.com/newsroom/press-releases/lendio-moves-headquarters
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Lendio here doesn't mean it works with Openbook.

One application, many funders

Compare offers from multiple funders

Openbook matches your file with funders whose published criteria fit. You approve every funder before your file goes out, and every offer comes decoded.

Check my options Request a call
  • About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
  • 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
  • You approve every funder before your file goes out. No cost to apply, and no obligation to accept.