Lendio franchise: cost, fees & unit track record
Opening a Lendio franchise takes $45,650 – $117,100 all-in, per its franchise disclosure filings (data as of 2026-05). The initial franchise fee is $36,000 – $53,500. Anything the filings do not state is marked "Not disclosed" below — never estimated. The ledger below itemizes every figure we can source for Lendio, each one dated, so you can check the numbers before anyone gets your contact details.
Lendio franchise costs and fees
| Verification mark | Cost item | Low | High | Range |
|---|---|---|---|---|
| Initial franchise feeOne-time, paid to the franchisor at signing | $36,000 | $53,500 | $36,000 to $53,500 | |
| Initial investment (all-in)FDD Item 7-derived range: build-out, equipment, opening costs | $45,650 | $117,100 | $45,650 to $117,100 | |
| Net worth requiredFranchisor's stated qualification minimum | Not disclosed1 | Not disclosed1 | ||
| Liquid cash requiredFranchisor's stated qualification minimum | Not disclosed1 | Not disclosed1 | ||
| Cash to open (all-in range) | $45,650 | $117,100 | $45,650 to $117,100 | |
- 1 "Not disclosed" means Lendio's filings do not state this figure. We publish the gap instead of estimating it.
| RoyaltyOngoing, % of sales | Not disclosed |
|---|---|
| Ad fundOngoing, % of sales | Not disclosed |
| Initial termLength of the first franchise agreement | Not disclosed |
See the full Lendio cost breakdown — what's in that number and what isn't
How Lendio's cost compares
A dollar figure means more with a yardstick. Here is where Lendio's disclosed cost sits against the Professional Services category:
- Minimum startup cost of $45,650 — about 46% below the Professional Services median of $84,700.
- Initial franchise fee of $36,000 — about in line with the Professional Services median of $39,700.
Category medians are computed from the Professional Services brands in our data that disclosed each figure — a benchmark for scale, not a quality judgment. See all Professional Services franchises
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How Lendio's units have held up
Openings and closures from FDD Item 20-style unit history, 2019–2021: began the window at 47 units; 100 units opened, 26 closed, ending at 121 units.
What about earnings?
We don't publish per-brand earnings figures — for Lendio or anyone else. The only primary source is Item 19 of the brand's own franchise disclosure document (FDD), and no law requires a franchisor to publish one, so the "average owner income" numbers circulating elsewhere are usually unsourced or survivorship-biased. Ask Lendio for its current FDD and read Item 19 yourself — and if there is no Item 19, that silence is information too.
What this data can't tell you
Everything on this page comes from disclosure filings — fees, ranges, and unit counts. Four questions that matter just as much are not in any filing we can source, so we say so instead of guessing:
- The hours and the labor
- No dataset field says whether Lendio is a manage-from-a-laptop business or a 60-hour week in disguise. Item 15 of the FDD states whether you're obligated to run the business personally, and Item 11 lists what the franchisor actually does for you — then ask current owners what their week looks like (validation calls), not the sales team.
- How hands-on the ownership really is
- "Semi-absentee" is a pitch, not a filing field. Treat any hands-off claim as unverified until it's consistent with Item 15 and with what multiple current franchisees tell you — what absentee ownership actually means.
- Your territory — whether it's protected, and whether it's open
- Two territory questions sit outside our data. Whether Lendio grants a protected or exclusive area is set in Item 12 of the FDD and varies brand to brand — some grant none, and the carve-outs (online sales, national accounts) matter as much as the map. And filing data can't say what's open in your market this month; only Lendio can confirm current availability. Ask both before you inquire, and get the answer in writing.
- What owners earn
- Covered honestly above: our dataset has no earnings fields, the only primary source is the brand's own Item 19, and here is how to read that evidence.
About the Lendio franchise
Lendio is a professional services franchisor with 121 units at the end of 2021 (FDD Item 20-style unit history). Between 2019 and 2021, it began the window at 47 units; its filings record 100 unit openings and 26 closures, ending at 121 units. Its parent company is Lendio Franchising, LLC.
No franchise-related lawsuits reported in the disclosure data we hold (FDD Item 3, as of 2026-05) — an absence in our sources, not a guarantee; confirm against the brand's current FDD.
From the franchisor's materials
Lendio is a financial technology company that serves as a marketplace for small business loans, connecting entrepreneurs with various lenders to simplify the financing process. Founded in 2011, it offers a range of loan products and resources to support small businesses, while also providing franchise opportunities for individuals looking to start their own Lendio business.
Lendio franchise: quick answers
- How much does a Lendio franchise cost?
- $45,650 – $117,100 all-in to open, per Lendio's franchise disclosure filings (data as of 2026-05).
- How many Lendio units are there?
- 121 units at the end of 2021 (FDD Item 20-style unit history).
- How have Lendio's units held up?
- 82.3% of units at risk between 2019 and 2021 did not close, per our metric recomputed from FDD Item 20-style unit history (methodology published on our verification page).