Lendio is a loan marketplace that matches you with multiple lenders (not a direct funder). Here is how MFE compares — honestly.
See If You Qualify with MFE →| Criteria | Merchant Fund Express | Lendio |
|---|---|---|
| Minimum FICO | 500+ | Varies by lender |
| Time in Business | 6 months | Varies |
| Max Funding | $5,000,000 | Varies |
| Decision Speed | 2-4 hours | 1-3 days |
| Direct Funder | Yes | No (marketplace) |
| Product Range | Working Capital, LOC, MCA, Equipment, Factoring, RBF | Limited |
| Free Statement Audit | Yes | No |
| Clover POS Partner | Yes (1N1) | No |
| Branding/Web Partner | Yes (Legend Media) | No |
| Bilingual (EN/ES) | Yes | Limited |
Single application shopped to many lenders, wide network.
Lendio is a BROKER, not a direct funder — your application gets sold and shopped to dozens of lenders, meaning multiple credit inquiries, slower process, and you deal with whichever third party they hand you off to. No direct relationship, no POS or branding services, no free audit.
MFE is a DIRECT funder. You deal with us start to finish — one application, one relationship, one underwriting team, faster decisions, no getting passed around. Plus we own the partner network (POS, branding, processing audit) that a marketplace can never offer.
Lendio is a marketplace that brokers your application to others. If you want a direct funding relationship with one accountable team — faster, cleaner, with bundled POS and branding services — MFE funds you directly without the middleman markup.
Merchant Fund Express is a direct funder — not a broker, not a marketplace, not a lead-seller. When you apply with MFE, you deal with one accountable team from application to funding. No getting passed around. No mystery third party. And uniquely in this space, MFE bundles the things a growing business actually needs: capital, Clover POS systems (via 1N1 Merchant Solutions), full branding and web design (via Legend Media & Print), and a free merchant statement audit to make sure you are never overpaying processing fees.
Or call (305) 384-8391 · 500+ FICO accepted · Decision in 2-4 hours
Recent fundings. Individual results vary; funding subject to approval.