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Lendini Business Loan Review 2026: Is It Legit?
Wondering if a high-cost advance is right for you? Take the 10-second check below.
What is Lendini?
Lendini is a business funding provider operated by Funding Metrics, LLC, based in Bensalem, Pennsylvania. It offers merchant cash advances and short-term business financing, giving owners a lump sum of working capital repaid from a percentage of future sales. The company has been operating for more than a decade and reports it has financed close to a billion dollars.
Lendini is a real, operating company, and it fills a genuine niche: it will work with very new businesses and owners with weaker credit that most lenders turn away. But its reviews are mixed to negative, and its parent, Funding Metrics, carries complaints on the BBB and in the CFPB database. That combination means you should go in with clear eyes. If you are considering Lendini mainly because you are already stretched, our overview of business debt relief options is worth reading first.
How Lendini works
Lendini uses the standard merchant cash advance structure, built for speed:
- Fast application. You apply online and share bank statements. The company reports most decisions come within a few hours.
- Advance offer. Pricing uses a factor rate rather than an interest rate. The company reports factor rates generally range from about 1.25 to 1.50, with the highest rates going to the newest, highest-risk businesses.
- Funding. Once you sign, funds are typically deposited within one to two business days. Advances can start as small as a few thousand dollars.
- Repayment. You repay through fixed daily or weekly ACH withdrawals, usually over roughly two to ten months, until the advance plus the factor is repaid.
Because Lendini serves riskier borrowers, its factor rates tend to sit at the higher end. On a $15,000 advance at a 1.45 factor, you would repay $21,750, a $6,750 cost of capital that reflects a triple-digit effective rate. That is legal and disclosed, but it is expensive, which is why comparing the total repayment against a term loan or against other debt relief options matters so much here.
Lendini rates and fees
Lendini prices its advances with a factor rate, which the company reports generally falls between about 1.25 and 1.50, and it may also charge an origination fee that varies by funding amount. Several reviewers note that Lendini is not fully transparent about factor rates, added fees, and prepayment terms until you are deep in the process, so it is essential to get these details confirmed in writing.
On requirements, Lendini is unusually flexible: the company reports it will fund businesses with as little as a few months of history and lower credit, with small advance minimums. That accessibility is the whole appeal, but it comes at a cost, and the reviews reflect friction over that cost. If your business is turning to an advance mainly to keep up with existing debt, structured debt negotiation may be a more sustainable path than borrowing again.
Lendini reviews and ratings
This is where the honest picture gets important. Lendini's ratings vary a lot by source, and its parent company, Funding Metrics, has a low customer rating on the BBB along with complaints in the CFPB database. Some reviewers report smooth funding; others describe disputes over repayment, unexpected charges, and difficult collection experiences.
| Platform | Rating | Reviews | See recent |
|---|---|---|---|
| Trustpilot | Mixed (2.3 to 4.9 by source) | Varies widely | View on Trustpilot |
| BBB (Funding Metrics) | About 1 / 5 customer reviews | A- rating | View on BBB |
| SuperMoney | See profile | First-hand reviews | View on SuperMoney |
| CFPB complaint database | See filings | Repayment / collections | View on CFPB |
Ratings and counts are approximate as of publication and change over time; click any platform to see the current score and most recent reviews.
On the positive side, some owners credit Lendini for funding them when no one else would and for a fast, simple process. On the critical side, complaints cite unclear contracts, communication problems once issues arise, and aggressive collection behavior. The spread is wide enough that you should read the most recent feedback yourself across several sources rather than relying on any single score.
Who Lendini fits, and who should look elsewhere
Lendini can be a potential fit for a business that genuinely cannot get funding anywhere else, needs a small amount fast, and can comfortably absorb a high-cost advance. It is generally not the right tool if you qualify for cheaper financing, if your revenue is uneven, or if you are already behind on other advances or business debt.
If you are considering Lendini because existing debt is already crushing your cash flow, more borrowing usually makes the situation worse. The honest question is whether you need capital or a way out of what you already owe. A no-pressure review can compare financing against settlement and negotiation so you can see which direction actually helps your business.
Frequently Asked Questions
Is Lendini legit?
Yes. Lendini is a real, operating business funder run by Funding Metrics, LLC, and has been in business for more than a decade. Being legitimate is not the same as being the cheapest or the best-reviewed, though. Its reviews are mixed to negative and its parent carries complaints on the BBB and CFPB, so read recent feedback and get every term in writing first.
How does a Lendini merchant cash advance work?
You receive a lump sum upfront and repay it, plus a fixed factor, through daily or weekly withdrawals from your sales or bank account. The cost is set by a factor rate rather than an interest rate. The company reports factor rates generally range from about 1.25 to 1.50, with the highest rates going to the newest, riskiest businesses.
What does a Lendini advance cost?
The cost is set by a factor rate and is fixed from the start. On a $15,000 advance at a 1.45 factor, you would repay $21,750, a $6,750 cost of capital that reflects a triple-digit effective rate. There may also be an origination fee that varies by amount. Ask for the total repayment in dollars before you sign.
What are the requirements for Lendini?
Lendini is unusually flexible. The company reports it will fund businesses with as little as a few months of operating history and lower credit, with small advance minimums. That accessibility is the main appeal, but it typically comes with a higher factor rate than a business with stronger credit would pay elsewhere.
What is Lendini's BBB rating?
Lendini's parent, Funding Metrics, carries an A- BBB rating but a low average customer review score, around 1 out of 5, along with complaints. Trustpilot scores for Lendini vary widely by source. Because the picture differs by platform, check the current BBB and CFPB records and the newest reviews directly before deciding.
Why are there complaints about Lendini and Funding Metrics?
Common themes in reviews and complaints include unclear contract terms, disputes over repayment amounts, unexpected charges, and aggressive collection contact. Funding Metrics has filings in the CFPB complaint database. None of this makes the company illegitimate, but it is a strong reason to read the contract carefully and keep written records.
Is a Lendini advance a good idea for my business?
It can be a potential fit only if you genuinely cannot get funding elsewhere, need a small amount fast, and can absorb a high-cost advance without straining cash flow. If you could qualify for cheaper financing, or if you are already behind on debt, other paths will almost always serve you better.
What if I'm already struggling to repay a Lendini advance?
If daily withdrawals are straining your cash flow, taking another advance usually makes it worse. This is where business debt relief comes in: instead of more borrowing, the goal is to resolve what you already owe. A free review can compare financing against settlement and negotiation for your situation.
Does applying to Lendini affect my credit?
Lendini is not fully transparent about whether its application triggers a hard credit pull, and this varies by deal. Before you apply, ask directly whether the inquiry is a soft or hard pull and get the answer in writing. Understanding this upfront protects your credit while you shop and compare offers.
What are good alternatives to Lendini?
If you need capital and can qualify, a term loan or line of credit will usually cost far less than a high-factor advance. If existing debt is the real problem, business debt relief options such as negotiation or settlement may fit better than more borrowing. A free, no-obligation review is a sound first step.
Related Resources
- How business debt relief works
- Compare all your debt relief options
- How to get out of a merchant cash advance
- How the debt settlement program works
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