Head to head · Business line of credit
Lendio vs National Business Capital
Lendio is a lending marketplace based in Lehi, UT; National Business Capital is a lending marketplace based in Hauppauge, NY. Both offer lines of credit, term loans, working capital and equipment financing. Everything below comes from each funder's own website, with the date we checked it on each profile.
Side by side
- Type
- Marketplace
- Amounts
- $1K–$10M
- Min. credit
- 500+
- Time in business
- 3 months
- Min. revenue
- $2,500/mo
- Price
- Rate from 8% Working capital
- Speed
- As soon as 24 hours
- Type
- Marketplace
- Amounts
- $250K–$15M
- Min. credit
- 600+
- Time in business
- 1 year
- Min. revenue
- Not published
- Price
- Rate 2%–20% Equipment financing, plus possible fees
- Speed
- 24 to 48 hours
What's different
The differences that change your decision
Funding amounts
Lendio: $1,000 to $10 million. National Business Capital: $250,000 to $15 million.
Published minimums
Lendio lists a 500 credit score, 3 months in business and $2,500 a month in revenue. National Business Capital lists a 600 credit score and 1 year in business.
Price
Lendio: a rate from 8% on working capital. National Business Capital: a rate of 2% to 20% (plus possible fees) on equipment financing.
Product range
Only Lendio lists SBA loans and revenue-based financing and only National Business Capital lists merchant cash advances.
Which fits
Choose based on your file
Lendio may fit if
Consider Lendio if your credit score is between 500 and 600, you've been in business at least 3 months but less than 1 year and you need SBA loans.
Full Lendio profileNational Business Capital may fit if
Consider National Business Capital if you need more than $10 million and you need merchant cash advances.
Full National Business Capital profileWhichever you're considering, compare the dollar cost and estimated APR of real offers, not the published minimums. Compare offers side by side.
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