Key differences
- Approved members can compare the estimated rates as of today side by side.
- Lendio is usually faster to fund (about 1 week vs about 2 weeks).
- Lendio asks for a personal guarantee.
Side by side
| Arc | Lendio | |
|---|---|---|
| Product | Capital marketplace | Small-business loan marketplace |
| Funding type | Capital marketplaces | Capital marketplaces |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 2 weeks | About 1 week |
| Typical size | Up to about 40% of ARR | Up to $500K |
| Term | 12–36 months | 3–60 months |
| Requirements | Existing revenue | Existing revenue · Personal guarantee |
| Regions | US | US |
| What they underwrite | Depends on matched lender | Depends on matched lender |
| Collateral | Depends on lender | Depends on lender |
| How you repay | Fixed monthly | Fixed monthly |
| Dilution | None | None |
Arc vs Lendio FAQ
What is the difference between Arc and Lendio?
Approved members can compare the estimated rates as of today side by side. Lendio is usually faster to fund (about 1 week vs about 2 weeks). Lendio asks for a personal guarantee.
Which is faster, Arc or Lendio?
Lendio usually funds in about 1 week; Arc takes about 2 weeks.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.