Lender review
Lendzi Business Loans, Reviewed
A Los Angeles based loan matching service that works with 60+ lenders across 7 loan types and nearly any credit profile.
Lender review
A Los Angeles based loan matching service that works with 60+ lenders across 7 loan types and nearly any credit profile.
Lendzi has facilitated more than $500 million in funding since 2020 by matching a single application against more than 60 lending partners across seven loan types, and its loan specialists get consistently strong marks for actually walking borrowers through the fine print. What it does not do is publish rate ranges the way some competitors do, so you will not know what you are being offered until a specialist has your file in hand.
Lendzi matches applicants to a network of more than 60 lending partners across seven loan types, including term loans, SBA loans, lines of credit, equipment financing, invoice factoring, and merchant cash advances.
Founded in 2020 by a team with two decades of combined lending experience, Lendzi leans on loan specialists rather than a purely automated match. After you submit basic details about your business and funding needs, a specialist follows up to clarify your file and narrow down which of its 60-plus partners are the strongest fit.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
Lendzi matches applicants to seven loan types through its network of 60+ lending partners, with amounts and pricing varying by the specific lender.
| Business term loans | Fixed amount financing from $5,000 up to $500,000, with terms as long as 84 months for equipment and long term products. |
| SBA loans | Government backed financing up to $5 million, matched through Lendzi’s SBA approved lending partners. |
| Business lines of credit | Revolving credit with rates reported in the 6 to 20 percent APR range depending on the matched lender. |
| Equipment and debt financing | Financing for equipment purchases and existing debt consolidation, matched based on your business profile. |
| Invoice factoring and merchant cash advances | Receivables based and revenue based options for businesses that do not fit a standard term loan, with MCA rates typically 1.2 to 1.5 percent per week of the amount financed. |
Rate, term, and amount figures are set per applicant during underwriting.
Lendzi does not publish a strict company wide bar, since eligibility depends on the loan type and lender you are matched with.
Lendzi representatives describe working with all credit types, with an ideal floor around 500 for the widest range of matches.
Most products in Lendzi’s network expect at least 6 months of operating history, consistent with the broader alternative lending market it draws from.
Lendzi generally expects at least $15,000 in monthly revenue, based on the roughly $180,000 annual revenue floor cited for its core products.
After your initial submission, a Lendzi advisor reviews your business details and funding needs, then narrows down matches from its 60+ lending partners before presenting offers.
The process starts with a short online form, and Lendzi pairs you with a loan advisor to review your options.
Submit basic details about your business and what you need funding for. This does not involve a hard credit check.
Lendzi’s advisors search its network of 60+ partners and return a list of loan options tailored to your file.
Review terms across your matched offers, choose one, and funding can arrive in as little as 24 hours.
60+ partners across seven loan types cover most financing needs from one starting point.
Customer reviews consistently praise individual loan officers by name for walking through options and fine print.
A practical floor around 500 makes Lendzi accessible even to credit challenged businesses.
Initial matching does not affect your credit score, so exploring your options costs nothing upfront.
More than $500 million funded since 2020, with 2,000-plus five star reviews across Trustpilot, Google, and the BBB.
Unlike some competing marketplaces, Lendzi does not disclose even approximate pricing until you have a specialist reviewing your file.
The website names only a handful of its 60+ partners, making it harder to research a specific lender before applying.
Merchant cash advances and similar products in its network can run on the expensive end of the financing spectrum.
Lendzi describes itself as both a direct lender and a loan matching service, working with more than 60 lending partners in addition to its own funding capacity.
Lendzi says it works with all credit profiles. Company representatives describe a practical floor around 500 for the broadest range of matches.
Funding can arrive in as little as 24 hours after you accept an offer, though this varies by the lender you are matched with.
Through its network, Lendzi matches businesses to term loans, SBA loans, lines of credit, equipment financing, debt financing, invoice factoring, and merchant cash advances.
Lendzi generally expects at least 6 months in business and around $15,000 in monthly revenue, though exact requirements vary by the matched lender and loan type.
No. Lendzi does not perform a hard credit pull for initial prequalification. A hard pull may occur later during final approval to verify creditworthiness.
We score lenders on loan cost, eligibility and accessibility, funding speed, and customer experience, drawing on the lender's own disclosures, public complaint records, and third party review platforms. Ratings are reviewed monthly and reflect our independent analysis; lenders cannot pay for a better score.
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