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Lendzi Review

Reviews 1,094
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Reviews 1,094
Patrick Sather
Mar. 16, 2023
3 min read
Patrick Sather
Lendzi Summary
Lendzi is a loan aggregator that can help you find capital to run or grow your business. It is a direct lender and also partners with more than 60 lenders whose products include business lines of credit, SBA and business term loans, equipment and debt financing, merchant cash advances, and invoice factoring. Lendzi does not require a hard credit check for you to receive a no-obligation quote. You can request a quote online or over the phone.


  • Wide variety of business loan options to choose from
  • Quotes don’t require a hard credit check
  • Receive funding in as little as 24 hours


  • Does not offer financing for startup loans
  • Minimum credit score is 620
  • Personal Guarantee on all loan products required

Lendzi at a glance

Editorial score

Online experience

Has learning resources, access to rates, mobile app

Customer services and support

Multiple ways of reaching lender, wide range of hours

Variety of loan types

Offers all loan types

Loan amount range

Loan amount $500K+


Doesn't cover bad credit, low revenue, new businesses

Lendzi Lendzi Visit Lendzi


Founded in 2020 in Los Angeles, Lendzi is an online loan aggregator that works to help you get the financing your business needs. Lendzi scours the marketplace to find you the best terms from its network of more than 60 lending partners. Since opening its doors, Lendzi has served $500 million in loans to businesses all over the US. 

Lendzi’s partners offer a wide range of financing options, including business loans, debt and equity financing, invoice factoring, cash advances, and personal loans. It does not cost anything to use Lendzi’s service, and requesting a quote won’t affect your credit score. 

Why Lendzi Is Good For Your Business

Lendzi is suitable for small businesses looking to get funds quickly at the best available rates. Rather than contacting lenders individually, Lendzi does the hard work for you by scanning multiple offers simultaneously to find the right option for your business. You can get a personalized quote in a matter of minutes and receive funding in just 24 hours. 

Loan Features

Whether you run a sole proprietorship, partnership, LLC, C corporation, or S corporation, Lendzi can get your business the funding it needs. Its lending partners offer a wide range of products, including SBA and term loans, lines of credit, equipment and debt financing, invoice factoring, and merchant cash advances. 

  • Loan amount: Up to $5,000,000
  • APR: Varies
  • Repayment terms: Up to 25 years
  • Credit score: 620-650 for most lenders
  • Annual revenue: At least $50,000 for most lenders
  • Net operating income: Typically 1.25 times higher than your total expenses

Application Process

To get started, simply visit Lendzi’s website and request a free, no-obligation quote. You’ll need to provide information related to your business and personal finances, including your name, business name, address, business revenue, loan amount, and credit score. The whole process should take no more than three minutes from start to finish. 

Once you’ve submitted your quote, one of Lendzi’s loan officers will contact you within one business day to discuss your options. Alternatively, you can submit a self-service application right away to get offers tailored to your needs within minutes. Depending on the loan amount and type of financing you need, you can receive funding as soon as 24 hours after applying. 

Be advised some products or lenders may require you to submit additional documentation prior to receiving funding. These may include tax records, proof of income, bank statements, copies of outstanding invoices, property and loss statements, year-to-date earnings, or articles of incorporation. 

How Much Can You Borrow?

The amount you can borrow varies according to your loan type, credit score, and business revenue. For most products, the higher your revenue and credit score, the more you can potentially borrow. Take a look at some estimates of possible loan caps by loan type:

Loan TypeAmount Provided
Business term loansFrom $2,000 to $5,000,000
SBA loansFrom $500 to $5,000,000
MicroloansNormally less than $500 
Merchant cash advanceUp to 250% of your credit card sales or $250,000, whichever is less
Equity financingVaries depending on the value of your business
Debt financingNegotiable between you and the bond purchaser
Invoice factoringNo limit, but typically greater than $2,000

Repayment Terms

Your repayment term varies depending on numerous factors, including your type of loan, loan amount, and credit score. Here’s a breakdown of common repayment terms by loan type:

Loan TypeRepayment Terms
SBA loansFrom three to 30 years
Business term loansFrom three months to 10 years
Business line of creditFrom six to 36 months
Merchant cash advanceDaily, weekly, or monthly payments
Equity financingN/A
Invoice factoring N/A
Debt financingVaries

Additionally, your APR will vary based upon the details of the agreement you reach with your lender. Although Lendzi does not illustrate current interest rates for its products, you can use one of the loan calculators on its website to estimate your loan’s APR.

How Safe Is It?

Lendzi does not provide details on its website of the specific security measures it takes to protect your personal information. If you have a privacy or security concern, you can send an email to sales@lendzi.com. 

Lendzi is accredited by the Better Business Bureau (BBB) and currently enjoys an A+ rating. Presently, it has more than 600 reviews on Trustpilot with a total rating of 4.9 out of 5 stars. 

Help & Support

You can contact Lendzi’s customer service team by phone from 8am to 6pm PST, Monday-Friday, and from 8am to 2pm on Saturday. If you prefer, you can send inquiries via email or call outside regular business hours and leave a voicemail. Lendzi’s agents usually follow up on quote requests within one business day. 

Phone: (877) 453-6394

Email: Sales@lendzi.com


Lendzi is a loan aggregator that partners with more than 60 lenders to find you the best financing terms available. It doesn’t cost anything to use Lendzi’s services, and you can get a personalized quote in minutes without a hard credit check. Hundreds of small businesses have used Lendzi’s services to secure the capital they needed to stay afloat or expand their operation. Whether your business needs funding quickly or you just want to compare multiple offers at the same time, consider giving Lendzi a try. 

Physical Address

12211 W Washington Blvd, Los Angeles, CA 90066

368 9th Ave, New York, NY 10001

150 E Palmetto Park Rd, Boca Raton, FL 33432

Lendzi Lendzi Visit Lendzi


This review was created with information gathered from Lendzi’s website, reviews on comparison sites, and conversations with Lendzi’s customer service team. 

Patrick Sather
Written by
Patrick Sather
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.
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