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Lendio, Inc.: Business Overview, Financials & Competitive Analysis

Lendio is the nation's largest small-business-loan marketplace for loans up to $1 billion. The company is a FinTech firm that provides a technical platform connecting small business owners with small business lenders....

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What's in This Report
Lendio, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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6/ 10Solid

Cyborg Score thesis

Profitable fintech marketplace with durable competitive moat in SMB lending, but constrained growth visibility and dated...

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Industry Small business lending marketplaces
3 named competitors
2 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 29, 2026
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Lendio, Inc. Overview

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Lendio is the nation's largest small-business-loan marketplace for loans up to $1 billion. The company is a FinTech firm that provides a technical platform connecting small business owners with small business lenders. The team has helped business owners access more than $10B in funding.

Strategic Profile

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Lendio connects small businesses with a marketplace of 75+ funding partners through a single application, enabling borrowers to compare loan rates from 3,000 loan products at no cost. The company operates both an AI-driven marketplace platform and integrated lending technology for banks and credit unions, positioning itself as a bridge between underserved borrowers and diverse lenders.

Competitive Landscape

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Lendio competes in the online small-business lending marketplace space alongside platforms like OnDeck, LendingTree (for loans), and traditional bank digital lending channels. The marketplace model differentiates Lendio from direct lenders (e.g., Elevate, PayPal Working Capital) by aggregating multiple funders and loan types in a single comparison interface, though execution speed and rate transparency remain competitive pressures.

Industry Context

Lendio, Inc. operates in Small business lending marketplaces.

Key facts

Founded: 2011 · Headquarters: South Jordan, US · Employees: 40 · Revenue: $10.8M · Market cap: N/A

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The top findings that survived the multi-agent debate for Lendio, Inc..

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

OnDeckOnline platform for short-term small business loans and lines of credit→LendingTreeLoan marketplace connecting borrowers with lenders across multiple loan types→PayPal Working CapitalDigital payment and working capital solutions for small merchants→

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Industry context

Lendio, Inc. operates in Small business lending marketplaces. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Lendio, Inc. do?+
Lendio is the nation's largest small-business-loan marketplace for loans up to $1 billion. The company is a FinTech firm that provides a technical platform connecting small business owners with small business lenders....
What is Lendio, Inc.'s Cyborg Score?+
Lendio, Inc. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Lendio, Inc.'s main competitors?+
Named competitors include OnDeck, LendingTree, PayPal Working Capital. The full competitive landscape is in the AskCyborg report.
How can I get the full Lendio, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Lendio, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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