Is Lendr a direct funder or a broker?

Lendr is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Lendr will fund?

Lendr's published floor is $15,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 600+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Lendr fund?

Lendr's public speed quote is Funding in 24 hours for approved files. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Lendr or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Lendr, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Lendr Review 2026 — Rates, Terms, Honest Verdict

Best for: Merchants wanting product flexibility within one underwriting. Amount range: $5,000 – $1,000,000. Speed: Funding in 24 hours for approved files. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Lendr ranks #16 in our 2026 funder ranking. Best for established merchants (12+ months, $20k+/mo revenue, 620+ credit) who want product flexibility — particularly merchants weighing mca vs term loan vs loc who want one application to cover all three. The strength: Direct-lender model with three products under one underwriting umbrella — MCA, business term loan, and revolving LOC. The watch-out: Smaller deal pipeline than Credibly or Bluevine, so application priority can be slower at peak times.

Lendr rate card 2026

Category	MCA + multi-product
Best for	Merchants wanting product flexibility within one underwriting
Amount range	$5,000 – $1,000,000
Cost (factor / APR)	Factor 1.18 – 1.42 (MCA); APR varies for term and LOC
Speed to fund	Funding in 24 hours for approved files
Min time in business	12 months
Min monthly revenue	$15,000
Min credit score	600+

The strength — what Lendr does better than anyone

Direct-lender model with three products under one underwriting umbrella — MCA, business term loan, and revolving LOC. Lets merchants pick the structure that fits their cash flow rather than forcing MCA. Chicago-based with newer technology stack; underwriting decisions in hours for clean files. $1M cap on term loans is competitive.

The watch-out — what Lendr doesn't put in marketing

Smaller deal pipeline than Credibly or Bluevine, so application priority can be slower at peak times. Term loan pricing is good but not great — bank loans still cheaper for merchants who qualify. Less brand recognition; do your due diligence on contract terms.

Who Lendr is best for

Established merchants (12+ months, $20K+/mo revenue, 620+ credit) who want product flexibility — particularly merchants weighing MCA vs term loan vs LOC who want one application to cover all three.

Who shouldn't apply

Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Lendr actually makes sense.

How Lendr compares to the rest of the top 10

Funder	Category	Cost	Speed
Lendr (this funder)	MCA + multi-product	Factor 1.18 – 1.42 (MCA); APR varies for term and LOC	Funding in 24 hours for approved files
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Lendr before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Lendr a direct funder or a broker?: Lendr is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Lendr will fund?: Lendr's published floor is $15,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 600+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Lendr fund?: Lendr's public speed quote is Funding in 24 hours for approved files. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Lendr or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Lendr, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Lendr's biggest weakness vs alternatives?: Smaller deal pipeline than Credibly or Bluevine, so application priority can be slower at peak times. Term loan pricing is good but not great — bank loans still cheaper for merchants who qualify. Less brand recognition; do your due diligence on contract terms.

Lendr — honest 2026 review.