Lendio
Financial Services · Other Financial Services
Description
What is Lendio?
Each Lendio franchise location operates as a vital community resource, connecting small business owners with over 75+ premier lending partners through a sophisticated matching platform. Franchisees leverage Lendio's proprietary technology and extensive lender network to offer various financing solutions, including SBA loans, term loans, lines of credit, and equipment financing.
What sets Lendio apart is their commitment to personalized service and their deep understanding of local market dynamics. Franchisees build meaningful relationships within their communities, helping business owners understand their financing options and choose the best solutions for their specific needs. Their success in facilitating PPP loans during the pandemic demonstrated their ability to provide crucial support during challenging times.
The franchise opportunity is ideal for professionals with a background in finance, banking, or business consulting who are passionate about helping other entrepreneurs succeed. Lendio provides comprehensive training, ongoing support, and cutting-edge technology to help franchisees establish and grow their business. With a proven track record since 2011 and a rapidly expanding network, Lendio franchisees play a crucial role in fostering economic growth and entrepreneurial success in their local communities.
- 75+ lending partner network for comprehensive coverage
- 121 active franchise units nationwide
- 13+ years of proven marketplace experience since 2011
- Established financial services franchise system
- B2B marketplace model with technology integration
- Comprehensive small business funding solutions platform
Location Analysis
Where Lendio wins
The franchise's selective expansion pattern indicates a methodical approach to market penetration, targeting regions with robust small business activity and high demand for alternative financing solutions. Successful locations, like the highly-rated Bethesda, MD branch, typically operate in affluent business districts with high concentrations of small to medium-sized enterprises.
Significant expansion opportunities exist in underserved markets, particularly in the Northeast and Midwest regions. Ideal locations for new franchises should target areas with strong small business growth, professional service clusters, and median household incomes above $75,000. The franchise's limited presence in major states like California suggests untapped potential in key metropolitan markets with high small business lending demand.
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Financial Analysis
The numbers behind Lendio
The financial services marketplace sector benefits from strong market fundamentals, as small businesses consistently require capital access for growth and operations. Lendio's established network of 75+ lending partners creates a robust foundation for franchise operations, particularly valuable in today's credit-conscious environment where businesses seek alternative funding sources beyond traditional banking.
With 121 units and operations since 2011, the system demonstrates solid maturity and scalable infrastructure. While specific franchise revenue data is not available, the sub-sector average gross revenue of $254,893 provides context for potential performance expectations. The franchise model leverages technology-driven processes, reducing operational complexity while maintaining service quality.
Ideal investors should possess strong networking capabilities and business development experience, as success depends on cultivating relationships within local business communities. The B2B model requires consistent prospecting and relationship maintenance, making it suitable for professionals with sales backgrounds or existing business networks seeking entry into the growing financial services marketplace.
Financing partners
Vetted partners, tailored to franchisees
Your Franzy advisor can connect you with these partners later in the process — competitive rates, specialized in franchise financing.
FranFund
CRF USA
Nonprofit SBA lender; provides financing for franchise acquisitions, startups, and expansion.
First Bank of the Lake
Pension Pros
FDD Item 7
Initial investment range
Per FDD Item 7, total initial investment ranges from $45,650 to $117,100. The midpoint $81,375 is what most franchisees report at signing — financing typically reduces cash-at-close by 80–90%. Knowing the investment range helps you plan confidently and ensure you're fully prepared to make the leap.
Growth over time
Franchise footprint
2022 Franchise Disclosure
FDD documents
Below are items 2, 3, 4, 7, 11 and 19 for Lendio's 2022 FDD. The complete FDD is delivered to you directly by the franchisor, per the FTC Franchise Rule.
Connect to download Items 2, 3, 4, and 11 — direct from the franchisor.
Buyer FAQs
Frequently asked questions
The initial investment for a Lendio franchise typically ranges between $45,650.00 and $117,100.00. This includes the franchise fee, equipment, real estate, and other startup costs. To get a detailed breakdown and better understand the financial requirements, we recommend scheduling a call with the Franzy team. We'll walk you through the specifics and answer any questions you might have. For more detailed information, refer to the financial sections of the FDD.
Disclaimer. The information provided on this page is based on the latest Franchise Disclosure Document (FDD) that is publicly available and that we have on record, which was issued in 2022. This information is for informational purposes only and is not intended to constitute legal, financial, or business advice. We make no guarantees or claims regarding the completeness or accuracy. For the most current and detailed information, we recommend consulting the franchisor directly for the most recent FDD and regarding any questions that you may have about the information provided.
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