I'm at $30K/mo with 610 FICO and 15 months TIB — which?

Lendr. At this file grade you clear their 12+ month TIB floor and likely land a 1.22 – 1.30 factor on MCA or a term loan in the high-20s APR. Accord's likely 1.35 – 1.42 factor at the same file is materially more expensive. Run both and let the merchant pick on total payback — Lendr should win on cost.

I'm at $20K/mo with 550 FICO, 7 months TIB, and one open MCA — which?

Accord. Lendr's 12+ month TIB floor declines you and they avoid stacking. Accord's 3-month floor and explicit 2nd-position appetite accept you. Expect 1.40+ factor — but this is the only path in the pair.

Does Lendr match Accord's next-day commission payment for ISOs?

No. Lendr pays on standard funder schedules (typically week-of-funding). Accord's published next-day commission payment is unusual and a real ISO cash-flow advantage. If commission timing matters more than deal size, lead with Accord on shared deals.

Lendr vs Accord Business Funding — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

LendrAccord Business Funding

Product typeMulti-productMCA

Amount range$5K – $1M$5K – $150K

Cost (factor / APR)Factor 1.18 – 1.42 (MCA); APR varies for term + LOCFactor varies by paper grade

Speed to fundFunding in 24 hoursNext-day for approved files

Min time in business12 months3 months

Min monthly revenue$15,000Flexible — no published floor

Min credit score600+Flexible — accepts B/C-paper

Products

MCA
Business term loan
LOC

MCA (1st / 2nd / 3rd position)

Verdicts by use case

Newer business (3 – 12 months TIB) — Winner: Accord Business Funding. Accord's 3-month TIB floor accepts merchants Lendr's 12-month minimum declines outright. Sub-12-month merchants are Accord-only in this pair.
Multi-product flexibility (term + LOC) — Winner: Lendr. Lendr offers MCA, term loan, and LOC under one underwriting umbrella up to $1M. Accord is MCA-only and caps at $150K. Merchants wanting a term loan structure or larger deal favor Lendr.
Best ISO commission economics — Winner: Accord Business Funding. Accord pays up to 15% on new deals, 100% on renewals, with next-day commission payment. Lendr's commission is competitive but standard. ISOs optimizing for renewal cash flow favor Accord.
Cheaper factor on A-paper — Winner: Lendr. Lendr publishes 1.18 – 1.42 factor range with A-paper at the low end. Accord prices higher on the B/C-paper they specialize in. A-paper merchants find better pricing at Lendr.
Stacked / 2nd or 3rd position MCA — Winner: Accord Business Funding. Accord explicitly funds 1st, 2nd, and 3rd position MCA. Lendr focuses on clean 1st position and avoids material stacking. Already-stacked deals are Accord-only here.

The honest takeaway

Lendr and Accord Business Funding solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.

Frequently asked questions

I'm at $30K/mo with 610 FICO and 15 months TIB — which?: Lendr. At this file grade you clear their 12+ month TIB floor and likely land a 1.22 – 1.30 factor on MCA or a term loan in the high-20s APR. Accord's likely 1.35 – 1.42 factor at the same file is materially more expensive. Run both and let the merchant pick on total payback — Lendr should win on cost.
I'm at $20K/mo with 550 FICO, 7 months TIB, and one open MCA — which?: Accord. Lendr's 12+ month TIB floor declines you and they avoid stacking. Accord's 3-month floor and explicit 2nd-position appetite accept you. Expect 1.40+ factor — but this is the only path in the pair.
Does Lendr match Accord's next-day commission payment for ISOs?: No. Lendr pays on standard funder schedules (typically week-of-funding). Accord's published next-day commission payment is unusual and a real ISO cash-flow advantage. If commission timing matters more than deal size, lead with Accord on shared deals.