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Lendzi Small Business Loans: 2025 Review

Updated Jan 15, 2025

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4.3
Rating: 4.3 stars out of 5
Bankrate Score
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Accessibility
Rating: 4.9 stars out of 5
Affordability
Rating: 3.2 stars out of 5
Customer experience
Rating: 4.1 stars out of 5
Transparency
Rating: 4.5 stars out of 5
Flexibility
Rating: 4 stars out of 5
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Overview

Lender Details

  • Money Bag Icon

    Loan amount

    $5,000-$5 million

  • Rates Icon

    Interest rate

    Factor rates from 1.10 | Simple interest rate from 3.49%

  • Clock Wait Icon

    Term lengths

    3-84 months

  • Dollar Icon

    Min. annual revenue

    50,000

  • Briefcase Icon

    Min. time in business

    6 months

PROS

  • Checkmark Icon

    High loan amounts

  • Checkmark Icon

    Accepts bad credit

  • Checkmark Icon

    24-hour funding

CONS

  • Close X Icon

    Mixed loan details from reps

  • Close X Icon

    High rates and fees

Rating: 4.3 stars out of 5
4.3

Bankrate Score

  • Loan amount

    $5,000-$5 million

  • Interest rate

    Factor rates from 1.10 | Simple interest rate from 3.49%

  • Term lengths

    3-84 months

  • Min. time in business

    6 months

  • Min. business annual revenue

    50,000

Rating: 4.7 stars out of 5
4.7

Bankrate Score

  • Loan amount

    $5,000-$10 million

  • Interest rate

    0.75% Monthly rate | 5.00% to 18% Simple interest

  • Term lengths

    1-10 years

  • Min. time in business

    6 months

  • Min. business annual revenue

    $100,000

Rating: 4.5 stars out of 5
4.5

Bankrate Score

  • Loan amount

    $5,000-$20 million

  • Interest rate

    5.00% APR

  • Term lengths

    2 months-25 years

  • Min. time in business

    3 months

  • Min. business annual revenue

    $120,000; N/A for real estate loans

Read our review

on Bankrate

Overall Score 4.1
Accessibility 4.9 Small business owners can apply for a wide range of loan amounts through Lendzi. They can also access funding with fair or poor credit.
Affordability 3.3 Some Lendzi partners have high maximum interest rates or charge high-cost fees known as factor rates.
Transparency 3.8 Lendzi outlines a solid amount of information about partners’ loans. Yet some details provided are conflicting.
Customer experience 4.3 You can prequalify to see multiple loan options in one speedy application. You will need to create an account first.
Flexibility 4.2 Lendzi provides plenty of business loan options to cover different funding needs.
Clock Wait Icon
47
years in business
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30+
lenders reviewed
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22
loan features weighed
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770+
data points collected
CTA Lendzi Small Business Loans has 19 reviews

Lendzi Small Business Loans has 19 reviews

Dive into community reviews below and see what others think about Lendzi Small Business Loans.

4.1 Star Icon
19 ratings
Info Icon
Score breakdown
5 stars
21%
4 stars
68%
3 stars
5%
2 stars
5%
1 star
0%
Score by category
Customer experience 4.2 / 5
Accessibility rating 4.2 / 5
Affordability rating 3.8 / 5
Transparency rating 3.8 / 5
Flexibility rating 4.1 / 5

Community Reviews

See what users like you are saying about Lendzi Small Business Loans.
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Overall
What was your biggest pain point during the application process?
The fees and high interest rate
Score by category
Flexibility rating 3 / 5
Transparency rating 1 / 5
Accessibility rating 4 / 5
Affordability rating 1 / 5
Customer experience 2 / 5
Overall
What was your biggest pain point during the application process?
My biggest pain point during the application process is having to fill in all the information. And that it takes so long to apply.
Score by category
Flexibility rating 5 / 5
Transparency rating 3 / 5
Accessibility rating 5 / 5
Affordability rating 3 / 5
Customer experience 3 / 5
Overall
Did you feel that the lender was knowledgeable about their product and loan terms? Why or why not?
Yes, definitely transparent and professional
Score by category
Flexibility rating 4 / 5
Transparency rating 3 / 5
Accessibility rating 3 / 5
Affordability rating 4 / 5
Customer experience 4 / 5
Overall
Was the lender receptive to your business unique needs? If so how? If not, why not?
Yes it was unique and i felt really good about about the lenders intentions.
Score by category
Flexibility rating 4 / 5
Transparency rating 2 / 5
Accessibility rating 5 / 5
Affordability rating 4 / 5
Customer experience 4 / 5
Overall
Did you feel that the lender was knowledgeable about their product and loan terms? Why or why not?
Yes I do think so because they were able to give me a lot of information about their loan terms and set dates for each.
Score by category
Flexibility rating 5 / 5
Transparency rating 5 / 5
Accessibility rating 5 / 5
Affordability rating 4 / 5
Customer experience 5 / 5
Overall
Was the lender receptive to your business unique needs? If so how? If not, why not?
yes, they gave me my loan on time, the customer service was great, and they was very respectful and encouraging towards me.
Score by category
Flexibility rating 5 / 5
Transparency rating 3 / 5
Accessibility rating 5 / 5
Affordability rating 4 / 5
Customer experience 4 / 5
Overall
Was the lender receptive to your business unique needs? If so how? If not, why not?
yes they did everything i instructed them to do and they made life easy
Score by category
Flexibility rating 4 / 5
Transparency rating 4 / 5
Accessibility rating 4 / 5
Affordability rating 5 / 5
Customer experience 5 / 5
Overall
Did you feel that the lender was knowledgeable about their product and loan terms? Why or why not?
Yes, the lender demonstrated thorough knowledge of their product and loan terms, clearly explaining interest rates, repayment schedules, and fees, which instilled confidence in our business loan decision.
Score by category
Flexibility rating 5 / 5
Transparency rating 5 / 5
Accessibility rating 5 / 5
Affordability rating 4 / 5
Customer experience 5 / 5
Overall
Were you able to contact the lender for customer support? What was the process like?
Yes you are able to either chat online or there is a toll free number you can call.
Score by category
Flexibility rating 3 / 5
Transparency rating 4 / 5
Accessibility rating 2 / 5
Affordability rating 4 / 5
Customer experience 4 / 5
Overall
Was the lender receptive to your business unique needs? If so how? If not, why not?
Yes very unique very open just find it very well how it works. Good place to get a loan
Score by category
Flexibility rating 4 / 5
Transparency rating 4 / 5
Accessibility rating 4 / 5
Affordability rating 4 / 5
Customer experience 4 / 5