Lendio Intelligent Lending is a SaaS platform that allows financial institutions to profitably serve small business owners of every size with capital solutions. Our platform includes critical capabilities that make small business lending scalable, including decisioning, digital loan application experience, transaction analytics, digital closing, and competitive intelligence. Our intelligent lending platform also seamlessly enables financial institutions to participate in Lendio’s marketplace to source new borrowers.
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Lendio’s Intelligent Lending solution can act as your LOS for small business loans if you choose. Our solution is also architected to integrate with your existing LOS in a way that is complementary. Our Intelligent Lending software provides decisioning and digital application capabilities purpose-built for small business lending that extend beyond an LOS’s core capabilities.
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Pricing for loan products can be configured to respond dynamically to borrower profile data. Common examples include setting maximum / minimum thresholds or ratios of change for data points such as:
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- Credit score
- Time in business
- Average daily balance
- Average monthly revenue
- Term
- Payment frequency
- Rate/factor

A common example might be that a lender varies the APR and approved loan amount as a percentage of revenue depending on credit score.  So a borrower with 725 credit might be approved for 12% of revenue at an 11% APR; while a borrower with 675 credit might be approved for 10% of revenue at a 13% APR.
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Yes! Leveraging our Intelligent Lending technology gives you the option to acquire new borrowers through Lendio’s direct channels and our embedded relationships with enterprise small business service providers and retailers.
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Lendio’s Intelligent Lending platform was built to serve financial institutions that need a solution to efficiently process small business loans. Our customers currently include regional banks, credit unions, alternative lenders, and CDFIs.
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Our patented transaction analytics functionality works by ingesting transaction data directly from your core, via API, or through batched data import. Transaction data is cleaned, labeled, categorized, and tabulated to be assessed against your loan policy to generate pre-qualified loan offers for your depositor customers.

For new loan applicants or those sourced through Lendio’s marketplace, our digital application collects transaction data from Finicity or through PDF statements via OCR technology. Similar to data from a core; Lendio cleanses, labels, categorizes, and tabulates data.
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Our Intelligent Lending solution gives you advanced control over your loan qualification requirements. Your requirements can be configured across hundreds of data points on a product-by-product basis, encompassing self-reported and third-party collected/verified data points such as:

- NSF counts
- Monthly deposits
- Average monthly revenue
- Tax lien history
- Bankruptcies
- Time in business
- Industry
- Credit score
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