Lender Comparison · Marketplace
Inflection Financing vs Lendio
Lendio is a loan marketplace, not a lender. Inflection Financing is the lender.
TL;DR
If you want quotes from many brokers, use Lendio. If you want the actual lender's desk, come to Inflection Financing.
| 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 |
Where Lendio wins
- →Wide network of 75+ lender partners
- →Single application across multiple products
- →Well-known brand
Where Inflection Financing wins
- →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
What to watch with 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
Other comparisons
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Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.