B
Black Onyx Lending
Contact
BBB:
Lenders Funding, LLC in San Francisco, CA
Lenders Funding connects businesses with exclusive funding opportunities through a strategic partnership model. Contact representatives in California and New York to explore business financing solutions.
Data compiled from public sources · Rating from CreditDoc methodology
Lenders Funding, LLC Review
Lenders Funding operates as a business financing company with a regional presence, maintaining contact offices in California and New York. The company positions itself as a strategic partner for businesses seeking funding rather than a direct lender, emphasizing exclusive opportunities and customized partnership approaches. Based on the available website information, the company focuses on connecting businesses with capital solutions rather than providing standardized loan products.
The contact page lists two primary representatives—Robert Zadek, Esq. in California and John Benkovich in New York—suggesting a personalized, relationship-based business model rather than an automated or self-service platform. Lenders Funding's value proposition centers on facilitating strategic partnerships that propel businesses forward, indicating they may operate as a broker or consultant in the business lending space.
However, the website provides minimal detail about specific loan products, terms, rates, or lending criteria. The company's emphasis on 'exclusive funding opportunities' suggests they may work with a network of lenders or specialize in particular business financing niches, though this is not explicitly stated on the contact page. Without additional product pages or service descriptions, the full scope of their offerings remains unclear from publicly available website content.
Services & Features
Business funding consultation
Direct representative contact (California office)
Direct representative contact (New York office)
Email-based inquiry submission
Exclusive funding opportunity connection
Phone-based business consultation
Strategic partnership facilitation
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Regional representatives with legal expertise (Robert Zadek is listed as Esq.)
- Direct phone contact available for both California (415-699-2512) and New York (716-601-8681) representatives
- Positions itself as strategic partner rather than transactional lender
- Email contact option available for initial inquiries
- Focuses on 'exclusive funding opportunities' suggesting specialized or curated options
Cons
- Website provides virtually no information about specific loan products, terms, or rates
- No details about loan amounts, eligibility criteria, or application process visible
- Limited online presence—only contact page is accessible in provided content; no product descriptions, customer reviews, or FAQ section
- No information about fees, APR, repayment terms, or funding timeline
- Unclear whether company is a direct lender, broker, or consultant; business model not explicitly defined
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.9
Transparency 3.5
Ease of Use 4.2
Frequently Asked Questions
Is Lenders Funding, LLC legitimate?
Yes. Lenders Funding, LLC is a registered company, headquartered in 55 2nd St, San Francisco, CA 94105.
Quick Facts
- Headquarters
- 55 2nd St, San Francisco, CA 94105
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Lenders Funding, LLC
Lenders Funding is best suited for business owners in California or New York seeking personalized, relationship-based funding consultation through named representatives. However, prospective customers should be cautious: the website provides almost no substantive information about actual loan products, terms, rates, or the company's specific lending model, making it difficult to evaluate whether this is a suitable fit before initial contact.
Best For
- Businesses in California or New York seeking personalized funding consultation
- Companies interested in exploring exclusive or non-traditional business financing options
- Business owners preferring to work with named representatives rather than automated platforms
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (7 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest Rate
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Why it matters
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
How Loans Work
Cosigner — Loan Cosigner
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Why it matters
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
Loan Term (Tenor) — Loan Term / Tenor
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Why it matters
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
Origination Fee — Loan Origination Fee
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Why it matters
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
Principal — Loan Principal
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Why it matters
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
Underwriting — Loan Underwriting
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Why it matters
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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