Marketplace connecting small businesses with 75+ lenders through a single platform
Lendio operates a dual-sided lending marketplace: a direct consumer platform where small business owners apply for loans, and an embedded marketplace that financial service providers integrate into their own products. The tech stack (Salesforce, FICO, LexisNexis, Node.js, MySQL, Kafka, RabbitMQ, Kubernetes on AWS) supports both consumer-facing transaction flow and lender-side decisioning automation. Pain-point and project clustering reveals operational scaling challenges — the company is focused on reducing application fallout, improving lender data quality, and streamlining documentation and cycle-time bottlenecks, with sales hiring outpacing engineering 4:1.
Notable leadership hires: Chief Revenue Officer
Lendio has facilitated over 400,000 small business loans totaling more than $16 billion since 2011. The company operates a two-platform model: a marketplace that matches business owners with funding from over 75 lenders and partners through a single application, and an embedded marketplace product that allows third-party small business service providers to offer lending within their own platforms. On the lender side, Lendio provides purpose-built software for loan decisioning, underwriting automation, and applicant sourcing. The company is based in Lehi, Utah, with 201–500 employees, and is structured with notable focus on sales and finance operations relative to platform engineering.
Lendio connects small business borrowers with over 75 lenders and financial partners through its marketplace. Since inception, the platform has facilitated over 400,000 small business loans totaling more than $16 billion.
Lendio runs on Node.js, Laravel, and PHP for backend services; MySQL for database; Vue and Angular for frontend; Kafka and RabbitMQ for messaging; Docker and Kubernetes for orchestration; AWS for infrastructure; Salesforce for CRM; and FICO and LexisNexis for decisioning and credit data.
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