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Revenue Based Financing vs Lendio: Which Is Right for Your Business?

Revenue-based financing offers flexible repayment tied to sales, while Lendio connects you to multiple lender options.

⚡ Quick Verdict

Revenue Based Financing from SMB Capital Funding gives you fast capital without diluting equity or fixed monthly payments, making it ideal if your cash flow fluctuates. Lendio is a marketplace that connects you to multiple lenders, but you'll spend time vetting options and still face traditional loan structures with rigid payment schedules.

Side-by-Side Comparison

Feature Revenue Based Financing Lendio
Funding Amounts$25K – $2M$500 – $5M
Rates / Cost6% – 25% of revenueVaries (marketplace)
Term LengthUntil repaidVaries
Funding Speed2 – 5 days2 – 7 days
Min. Credit Score580+ preferred560+
Collateral RequiredRevenue rightsVaries
RepaymentFixed % of monthly revenueVaries

When to Choose Each Option

Choose Revenue Based Financing when:

  • You need funding fast (same day possible)
  • Your credit score is below 640
  • You want to avoid collateral requirements
  • You need amounts from $10K up to $20M
  • You prefer a direct lender with no broker fees

Choose Lendio when:

  • You already have an established relationship with Lendio
  • Your business revenue primarily flows through their platform
  • You need amounts in the $500 – $5M range
  • You prefer their Varies repayment structure
  • You've been declined elsewhere and want to explore all options

Why Businesses Choose SMB Capital Funding

SMB Capital Funding offers faster funding decisions and disbursement times compared to Lendio's marketplace model, allowing business owners to access capital when they need it most. Additionally, SMB Capital Funding works directly with borrowers as a direct lender rather than acting as a broker, provides more flexible credit requirements, and can offer loan amounts up to $20M, giving small business owners greater access to substantial capital without intermediaries.

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Frequently Asked Questions

What is the difference between Revenue Based Financing and Lendio?
Revenue Based Financing (RBF) is a financing method where you repay a lender a percentage of your monthly revenue until a set amount is reached, while Lendio is a marketplace platform that connects small business owners with various lenders offering different loan products and terms. The key difference is that RBF is a specific financing product focused on revenue sharing, whereas Lendio is a platform to compare and apply for multiple financing options. For a more personalized approach, you might also consider SMB Capital Funding, which specializes in working directly with small businesses to
How quickly can I get funded?
SMB Capital Funding offers same-day to 48-hour funding for most products. Simply apply online and our team will reach out within minutes.
Is there a minimum credit score?
Most of our working capital products are available with a 550+ credit score. We look at your overall business health, not just your credit score.
Do I need collateral?
Most of our short-term business funding products require no collateral. Equipment financing uses the equipment itself as collateral.

SMB Capital Funding is a direct lender offering working capital solutions to US-based small businesses. Funding amounts and terms vary based on business qualifications. This comparison is provided for informational purposes. All products subject to approval.