name: Lendio FinOps
description: >-
  Lendio's financial operations model is based on a marketplace intermediary
  structure. For borrowers, the service is free. Lendio generates revenue
  through referral fees and commissions from lenders when loan applications
  result in funded deals. B2B API products (Embedded Financing, Intelligent
  Lending) are priced on a custom contract basis. There are no publicly listed
  API usage fees, subscription tiers, or per-call pricing.
url: https://www.lendio.com
created: '2026-06-13'
modified: '2026-06-13'
costModel:
  type: Marketplace Commission / Custom B2B Contract
  description: >-
    Lendio uses a marketplace commission model where lenders pay referral fees
    when a matched loan is funded. B2B API integrations (Embedded Financing,
    Intelligent Lending) are contracted directly with enterprise customers at
    negotiated pricing. No public per-API-call or metered billing is offered.
billing:
  frequency: Not publicly specified (B2B contracts typically annual)
  paymentMethods:
    - Direct contract (B2B)
  invoicing: Enterprise contract billing
costOptimization:
  - strategy: Marketplace Model (Borrower)
    description: >-
      Borrowers pay nothing to use the Lendio marketplace. All costs are
      absorbed by lender partners through referral commission structures.
  - strategy: Embedded Financing Revenue Share
    description: >-
      Partners embedding the Lendio marketplace may participate in a
      revenue-sharing arrangement. Contact Lendio's team for specifics
      on commission and revenue share structures.
  - strategy: Bulk Data Submission
    description: >-
      The Loan Performance Tracking API supports up to 10,000 records per
      submission, enabling cost-efficient bulk data operations rather than
      individual record API calls.
estimatedCosts:
  borrowerApplication:
    cost: $0
    notes: Free to apply; no hidden fees for small business borrowers
  embeddedFinancing:
    cost: Custom pricing
    notes: >-
      Negotiated B2B contract; contact Lendio sales for pricing. Includes
      dedicated implementation and account management support.
  intelligentLending:
    cost: Custom pricing
    notes: >-
      Enterprise SaaS pricing; negotiated based on loan volume, features,
      and integration complexity. Includes API data ingestion and analytics.
contacts:
  sales: https://www.lendio.com/contact
  support: https://support.lendio.com