We receive advertising fees from the brands we review that affect the ranking and scoring of such brands.
Advertiser Disclosure

Lendzi Reviews


bestfor-icon Fast funding for small business

Written by Angela Mae

About Lendzi | Read More


LS Score







Visit Site
Opening Hours Opening Hours drop-down-btn
Mon-Fri 7:30am-6:30pm EST
Sat-Sun 8:00am-2:00pm EST
Contact Information Contact Information drop-down-btn
  • info@lendzi.com
  • (877) 453-6394
  • Headquarters: 12211 W Washington Blvd., Los Angeles CA, 90066
Social Media Social Media drop-down-btn

Lendzi Business Loans Review

Lendzi’s known for its extensive array of business loans (offered through its partners). Most of these business loans are meant for small business owners or entrepreneurs who need help expanding or thriving in their venture. Financing options include small business loans, startup business loans, business term loans, equipment financing, merchant cash advance, commercial mortgage loans, and business lines of credit.

Lendzi Business Loans Highlight


Min Credit Score

Min 7%

APR. Fixed Rate


Loan Amount


Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

24 Hours

Funding Time


Annual Revenue

12+ Months

Time in Business

Pros & Cons

  • con-icon Multiple business financing options available, ranging from small business loans to commercial real estate loans to lines of credit
  • con-icon Streamlined, intuitive application process with lender comparison option
  • con-icon Time to funding could be within 24 hours
  • con-icon Top-notch customer service team of finance professionals
  • con-icon As a marketplace, specific terms, rates, and fees are not indicated until you apply with a partner lender

Business Loan Types

  • SBA Loans
  • Business Line of Credit
  • Business Term Loan
  • Equipment Financing
  • Term loans
  • Merchant Cash Advances
  • Startup Loans
  • Commercial Real Estate Loans

Lendzi Business Loans Terms & Requirements

Lendzi offers different types of business loans, including small business loans, equipment financing, commercial real estate loans, business term loans, merchant cash advances, and startup loans. Business loans come with variable terms, rates, and requirements, based on the partner lender.

Generally speaking, you’ll need to be 18+ years of age, have been in business for at least two years, and have a verifiable business income to qualify. Things like credit score and debt-to-income ratio depend on the lender. As a marketplace, Lendzi’s requirements are standard in the industry.

How to Apply

Getting started with Lendzi is easy. Simply click “See Your Options” and fill out the prompts. Questions you’ll be asked include:

  • Your business type (sole proprietor, LLC, S Corp, C Corp, Partnership, Not Registered)
  • How much money you need — options include “$1 to $5k” all the way up to “$500k to $1m”
  • Your business’ name
  • How long you’ve been in business (from “Not yet started” to “5+ years”)
  • Your monthly gross revenue (from “No revenue yet” to “$30,000+)
  • Your reason for funding (ex. expansion, equipment purchasing, buying out a partner, buying a business, refinancing debt, etc.)
  • Personal credit score range
  • Business industry (ex. agriculture, consulting, or entertainment)
  • Personal income (from $30,000 or less to $150,000+)
  • Business zip code
  • First and last name
  • Phone number
  • Email address and password (to create an account)

Once you’ve inputted your answer to this last question, click “Get Funding Now” and Lendzi will match you with the best partner lenders for your needs. If you choose one, you could receive funding within 24 hours.

Applying is free and comes with no obligation. It also does not affect your credit.

Qualification Requirements

  • 18+ years old
  • Minimum credit score: depends on lender
  • Time in business: varies, 1-2 years
  • Verifiable business income
  • Other requirements depend on the lender

Required Information

You don’t need to upload any documents to prequalify with Lendzi. You can also apply entirely online, but if you have any questions, you can call or email the company for assistance.

You will need some basic personal and financial information to prequalify, such as your name, address, personal and business revenue/income, credit score, and other business information.

Application Steps & Time Frames

  • Follow the prompts on Lendzi’s website to complete the prequalification process. This takes about five minutes.
  • Get matched in minutes with some of Lendzi’s 60+ partner lenders.
  • Review their financing solutions, apply, and receive funds within 24 hours (in some cases).

State Availability

- Available in all states

Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.



How long does the entire application process take?

The online application is quick and intuitive, only taking a few minutes to complete. Once you’ve submitted it, you’ll be able to see customized lending solutions based on your needs and profile. If approved for financing, you could receive funding within 24 hours of applying.

How does applying affect my credit score?

Completing an application with Lendzi won’t affect your credit score since it doesn’t result in a hard inquiry. However, a partner lender may perform a hard credit check, which could cause your score to temporarily drop by a few points.

Can I apply with poor credit?

Yes, Lendzi works with borrowers with all different types of credit. Having limited or poor credit could limit your options, but Lendzi strives to offer solutions to any candidate with any credit profile.

Customer Support

Lendzi offers superior customer service, as indicated by previous and current customer reviews online. On the Better Business Bureau website, the company is accredited with an A rating and 4.79 out of 5 stars. On Trustpilot, customer reviews are largely positive, with 4.9 out of 5 stars out of 584 reviews.

Lendzi makes the financing process as easy as possible from beginning to end. The team is professional, responsive, and friendly, and the commitment to customer satisfaction is evident.

There are also several ways to contact Lendzi, including a live chat option, an online contact form, a phone number, fax, and email. During business hours, the team is quick to respond, and there is typically not a long wait time on the phone.

Privacy & Security

Both Lendzi (DBA of DH & RK Investments LLC) and its mobile app offer customer privacy and confidentiality. The company’s goal is to prevent information leaks or misuse. To that end, they offer a secured website and encrypted application process. They also have a transparent privacy policy and terms of use.

Individuals who register online or use the mobile app agree to let Lendzi and its partners contact them via email, SMS or phone. This communication is primarily meant to offer product and service information, including promotional offers by the company and its connected third parties. If a current customer has their account deactivated, communication will stop.

Lendzi does not sell or disclose personal information to outside parties. The company also prevents unauthorized collection or usage of personal data as much as possible.

As a marketplace, Lendzi does not offer additional protections to consumers who apply for products or services through its partners. Any privacy and security policies are dependent on the individual organization at that point.

In Conclusion

Lendzi is a customer-first company that connects prospective borrowers with the best lender for their financing needs. They make it easy to find loan products — small business loans, personal loans, real estate loans, startup business loans, disaster assistance loans, etc. —, apply, and receive the necessary funding all in one place.

Like most marketplaces, Lendzi doesn’t maintain responsibility for what happens to its customers’ data once they leave the page (such as when they go to a partner’s website). However, Lendzi has an overwhelmingly positive reputation with past and current customers online. They are also transparent about their process and have several easy ways to contact them with any questions or complaints.

Brand Disclaimer

By indicating your agreement to these terms (for instance, by clicking the button), you, in your individual capacity, represent:

  • That you are authorized on behalf of the business listed in the application (the “Applicant”) to make and submit this application, to submit any accompanying documents, and to provide the consent and authorizations set out below.
  • That, should this application be approved, you are authorized to sign business financing documentation on behalf of the Applicant. Please be advised that some business financing products may require a personal guaranty.
  • That all information provided to Lendzi and/or its trusted partners is accurate and complete and that you will immediately notify Lendzi of any change in such information.
  • That Lendzi and its trusted partners may rely on the accurateness of the information provided.
  • That Lendzi may share all information and documents, excluding consumer credit reports, with its trusted partners to fulfill Applicant’s requests.
  • That Lendzi and its trusted partners may share information they have about you and Applicant at any time for administrative, marketing and servicing purposes as permitted by law and that your personal information may be shared with the Applicant as part of the underwriting process.
  • That you and the Applicant waive and release any claims against any information provided relating to the release of information.
  • That you agree to and accept all terms of the Lendzi Credit Gathering Authorization found here.

BY USING DH & RK Investments LCC dba Lendzi’S WEBSITE AND/OR REQUESTING THAT Lendzi CONTACT YOU FOR MARKETING PURPOSES, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND Lendzi (AND ANY ENTITY CALLING ON BEHALF OF Lendzi) ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND Lendzi, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TERMS OF APPLICATION OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE TERMS OF APPLICATION. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH Lendzi. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST Lendzi IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST Lendzi IN ANY JURISDICTION IN THE UNITED STATES. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Lendzi Terms of Application and Terms of Use shall control over any inconsistency between the Rules of the American Arbitration Association and the Terms of Application). The arbitrator shall have authority to interpret the Terms of Application, including but not limited to the authority to decide whether any claim is arbitrable under the Terms of Application and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Terms of Application. You agree that the Terms Application involves commerce under 9 U.S.C. Sections 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Terms of Application is governed by the laws of the state of Utah, as provided in the Terms of Use.



Federal law requires all financial institutions to obtain, verify and record information that identifies each person and entity that opens an account or establishes a relationship with such institution, including name, address, date of birth, social security or tax identification number and other information that will allow the financial institution to verify your and/or the entity’s identity. You may also be asked to provide identifying documents.