---
title: "FunnelFi vs. Lendio: Own the Lead or Refer It Away? | FunnelFi"
url: https://funnelfi.ai/compare/funnelfi-vs-lendio
description: "Lendio is a small-business loan marketplace that routes your lead to third-party lenders. FunnelFi pre-qualifies leads for your own book, unit economics and control compared."
lang: en
---

← All comparisons (https://funnelfi.ai/compare)

SMB lending

# FunnelFi vs. Lendio: Own the Lead or Refer It Away?

Quick answer

Lendio is a marketplace that captures your SMB lead and matches it to a network of lenders, you don't own the borrower relationship. FunnelFi pre-qualifies leads for your own product stack so you keep the customer, the LTV, and the funded margin.

FunnelFi is best for

SMB lenders, ISOs, and brokers who want to grow their own book and control unit economics.

Lendio is best for

Merchants shopping around who want to see multiple offers, or affiliates monetizing traffic through a marketplace.

## Side-by-side comparison

| Criterion | FunnelFi | Lendio |
| --- | --- | --- |
| Input required | Name, EIN, revenue band, phone, no marketplace handoff | Full merchant application shared with the network |
| Time to verdict | Under 3 seconds | Hours to days across partner-lender responses |
| SSN required | No | Yes, required by partner lenders |
| Data returned | FICO band, DTI, revenue fit, program match, for your own products | Third-party offers routed to the merchant |
| Program matching | Matches to your programs only | Matches to Lendio's network |
| Customizable Pre-Qualification Forms | Yes | No |
| Customizable Pre-Qualification Website | Yes | No |
| CRM integrations | HubSpot, Salesforce, GoHighLevel, LOS webhooks | Marketplace portal + partner APIs |
| Pricing model | PAYG $0.30–$1.20 + subs | Commission split on funded deals (~2–3 points) |
| Implementation time | Same day | Marketplace onboarding |
| Best for | Owning the borrower and the funded margin | Monetizing traffic you're not going to fund yourself |

**How we compared:** Compared on ownership of borrower relationship, per-deal economics, integration burden, and control over program matching using published Lendio partner terms and FunnelFi pricing. Verify Lendio's current features and pricing on their site (https://www.lendio.com/).

## Which is right for you?

Pick FunnelFi if…

- • You have your own capital or funding partners and want to grow your book.
- • You want to keep the borrower relationship for renewal and cross-sell.
- • You want verdicts on your programs, not on someone else's.

Pick Lendio if…

- • You don't fund deals yourself and want to monetize inbound traffic.
- • You want the merchant to see multiple offers from a network.

## Lendio vs. FunnelFi, FAQ

Is Lendio a competitor to FunnelFi?

Not directly. Lendio is a marketplace that resells leads to a network. FunnelFi pre-qualifies leads for the lender who's already paying for them.

Can I use FunnelFi if I refer some deals out?

Yes. FunnelFi's DNQ workflow lets you route leads that don't fit your book to a partner, affiliate offer, or marketplace like Lendio, while keeping the ones you can fund.

Does FunnelFi take a cut of funded deals?

No. FunnelFi is per-verdict or subscription pricing. There's no revenue share on the funded loan.

Which is cheaper on a per-funded-deal basis?

For lenders who fund their own paper, FunnelFi is significantly cheaper than paying a marketplace 2–3 points of the funded amount, especially on larger loan sizes.

## Ready to see the verdict for yourself?

Schedule a 30-minute demo, we'll qualify your last 100 leads live.

Schedule Demo: https://funnelfi.ai/schedule-call

See pricing: https://funnelfi.ai/pricing

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