Lendio operates a technology marketplace connecting small businesses with working capital and other funding solutions across the United States. Founded in 2011, the company has facilitated over $16 billion in small business financing through more than 600,000 loans, positioning itself as the largest online marketplace for business loans in the country.
The core offering is an AI-driven origination platform that automates the end-to-end lending journey. The system combines full-funnel automation, credit underwriting, and predictive matching to pre-qualify, underwrite, and connect borrowers with loan offers. It integrates over 30 third-party data sources and serves a network of more than 100 lending partners, including TAB Bank, Bankwell, Grasshopper Bank, and SmartBiz.
Beyond its marketplace, Lendio provides embedded financing solutions to major SMB platforms, allowing financing to operate within partner ecosystems. Notable embedded finance partners include Dun & Bradstreet, Paychex, SoFi, and The Hartford. The company's technical infrastructure spans AI and machine learning, lending origination systems, data integration, credit decisioning, and fintech marketplace operations.
