Lendio vs Stripe Capital

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	LendioLendio	Stripe CapitalStripe
In one line	Marketplace that shops your application to 75+ lenders	Advances repaid as a cut of your Stripe sales
Starting price	Free to apply	Flat fee, no interest
Six-person team	Free to apply	Flat fee, no interest
Plans	No fees listed for applicants; lenders set rates and terms and may pay Lendio for referrals	One flat fee per loan, no interest; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)
Pricing model	Free	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank and accounting connections	Stripe only
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US · UK
Phone support	Every plan	Every plan
Live chat	None listed	Every plan
Support hours	Phone: Monday–Friday 7:30 AM–5:00 PM MST	Phone: 24x7 · Email: 24x7 · Live chat: 24x7
Incidents posted	We found no public status page for Lendio.	Stripe has a public status page. Status page
Trustpilot score	4.5 / 5 from 21,925 reviews	Not listed
Fit: Retail shop	80	50
Fit: Restaurant or café	80	40
Fit: Service business	75	60
Fit: Agency or studio	65	60
Fit: Trades or contractor	80	40
Fit: Online store	70	90
Why people pick it	One form, many offers SBA loan help	No paperwork Repayment flexes with sales
Where it falls short	Expect sales calls Offers vary widely	Only if Stripe offers it Flat fee can be pricey
	Visit Lendio ↗	Visit Stripe Capital ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices