Lendzi is an online lending marketplace that connects small business owners with 60+ lenders offering SBA loans, lines of credit, equipment financing, and merchant cash advances.
Data compiled from public sources · Rating from CreditDoc methodology
Lendzi operates as a business loan comparison platform designed to simplify the process of finding and securing financing for small businesses. Founded as a marketplace model, the company positions itself between borrowers and a network of traditional and alternative lenders, rather than being a direct lender itself. This approach allows them to aggregate multiple funding options in one place.
Lendzi offers a broad range of business financing products including SBA loans, business lines of credit, business term loans, equipment financing, merchant cash advances, commercial mortgages, invoice factoring, and disaster assistance loans. They also extend into adjacent categories with personal loans, home equity lines of credit, real estate loans, student loans, and debt consolidation options. The platform features loan calculators for business, personal, student, and mortgage products. For eCommerce sellers specifically, Lendzi markets tailored financing solutions recognizing the unique capital needs of online businesses.
The company differentiates itself through a streamlined three-step process: applicants complete one simple application with no fee or credit impact, compare options from their network of 60+ lenders, and receive funding in as little as 24 hours. They emphasize speed, variety of lender options, and the elimination of traditional banking barriers. The platform targets both startup founders and established business owners at various growth stages.
Lendzi functions as a marketplace aggregator rather than a direct lender, which means actual terms, rates, and approval odds depend entirely on the individual lenders in their network. While their broad product range and fast timelines are appealing, borrowers should understand they're being matched with third-party lenders and should compare terms carefully. The company's business model relies on lender partnerships, making their actual lending standards and success rates dependent on those partners rather than proprietary underwriting.
Yes. Lendzi is a registered company, headquartered in New York, NY.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Lendzi is best for small business owners and entrepreneurs who want to compare multiple lending options quickly without visiting individual banks, particularly those seeking SBA loans, lines of credit, or equipment financing. The main caveat is that Lendzi is a marketplace aggregator, not a direct lender, so actual terms, rates, approval odds, and borrower experience depend entirely on which lender you're matched with—borrowers should verify the specific lender's reputation and terms before committing.
Denver Lending is a mortgage broker operating as a division of Impact Home Lending, offering home purchase, refinance, and debt consolidation loans in the Denver area.
Best for: First-time homebuyers in the Denver area seeking personalized guidance through the mortgage process, Existing homeowners considering refinancing to lower rates with experienced advisory support
Unable to verify company profile — website currently inaccessible (403 Forbidden error). Cannot confirm services, rates, or legitimacy.
Best for: Consumers in Dallas, Texas looking for personal lending services, People who prefer working with a local personal lending provider
San Antonio's Loanstar Title Loans on SW Military Drive provides quick title loans and payday advances near the South Side shopping district.
Best for: Vehicle owners facing genuine emergencies who need $1,000–$10,000 quickly and have no other credit options, Borrowers with poor credit who cannot qualify for personal loans or credit-based financing
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
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.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
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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