Marketplace
Best alternatives to Lendio in 2026
Lendio is a loan marketplace, not a lender. Inflection Financing is the lender.
Why switch from Lendio?
Not a direct lender — adds broker layer Marketplace fees and rate markup No SBA Preferred Lender status of its own Applicants are re-marketed across partners
Lendio vs Inflection Financing — side by side
| Feature | Lendio | Inflection Financing |
|---|---|---|
| Max loan amount | $5M (via partner) | $5M SBA 7(a) · $15M CRE · $5M bridge |
| Time to funding | 2–14 days (via partner) | 12 hours (bridge) · 21–45 days (SBA) |
| Rate range | Partner-dependent (often 11%+) | Prime + 2.25% (SBA) · 9.9% (term) |
| Broker fees | Origination markup from marketplace | $0 — bank-direct |
| SBA Preferred Lender | No — refers to PLP partners | Yes — Inflection Financing |
| Direct lender | Marketplace / broker | Yes — institutional lender |
What Inflection Financing gives you that Lendio doesn't
- →Direct origination — your application is underwritten in-house, not shopped
- →No broker markup on rates
- →SBA Preferred Lender — close 21–45 days vs 60–120
- →Bridge funding in 12 hours, not 12 days
Verdict
If you want quotes from many brokers, use Lendio. If you want the actual lender's desk, come to Inflection Financing.
Ready to deploy capital?
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.