What Lendzi does

Lendzi (operating as DH & RK Investments LLC) is a U.S. lending marketplace and California-licensed finance lender that connects borrowers with a network of 60+ vetted lending institutions through a proprietary matching algorithm. Founded in 2020 and headquartered in El Segundo with additional offices in Austin, New York, and Boca Raton, the company serves a horizontal mix of customers including small business owners, startups, real estate buyers, personal loan borrowers, students, and eCommerce sellers. Its product surface spans small business loans (lines of credit, SBA, term loans, equipment financing, merchant cash advances, commercial mortgages, invoice factoring), disaster assistance and Main Street Lending programs, startup funding, real estate loans including HELOC, personal loans with debt consolidation, and student loans, supported by a suite of loan calculator tools.

The platform is delivered through a web application (lendzi.com) and a mobile app (My Lendzi Dash), with third-party integrations including Google and Facebook OAuth for authentication, Plaid for bank statement verification, and Chatlio for live chat support. Lendzi emphasizes a no-cost, no-obligation application for borrowers, a no-hard-credit-inquiry process, and funding as fast as 24 hours. Trust and compliance posture includes SOC 2 Type II certification, BBB accreditation, a 4.9/5 Trustpilot rating across 1,265+ reviews, and compliance with the Fair Lending Act, Equal Credit Opportunity Act, and TCPA.

The business model is a broker/origination referral model: Lendzi does not charge borrowers for the matching service and instead earns referral fees or commissions from its 60+ lending partners when loans are originated through the platform. Go-to-market is direct-to-consumer via SEO, content marketing, and loan calculator tools, layered with a channel partner motion on the supply side (lender recruitment and onboarding). Co-founders David Halverson (CEO) and Ryan Kelly (Partner) lead the company, which reports 11-50 employees and has disclosed over $500 million raised for entrepreneurs cumulatively through its platform, though no company-level revenue or funding has been publicly disclosed.

Name

Lendzi

Legal name

DH & RK Investments LLC

Website

https://lendzi.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Lendzi is a U.S. lending marketplace that connects SMBs, startups, and consumers with a network of 60+ lenders across business, real estate, personal, student, and eCommerce loan categories, monetizing via referral fees.

Ownership category

akta.pro rank

Product category

Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Small business loans
• Lending marketplace
• Loan comparison
• SBA loans
• Personal loans

Headquarters

HQ city

Culver City

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Lending Marketplace/Brokerage: Lendzi operates as a lending marketplace and broker, connecting borrowers with lenders. The company earns referral fees or commissions from lending partners when loans are originated through their platform. They are registered as a direct lender and also partner with a network of lenders.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Lendzi operates a digital lending marketplace that matches borrowers with a nationwide network of over 60 vetted lending partners and also functions as a registered direct lender. Its core offering is a single online application that connects applicants to small business loans, SBA loans, disaster assistance, startup funding, real estate loans, personal loans, student loans, and eCommerce loans, with funding available in as little as 24 hours and no hard credit inquiry required.

Product overview

Lendzi is a financial consulting firm and loan comparison marketplace that connects borrowers with a network of 60+ lending institutions. The platform operates as a single unified web and mobile application offering multiple loan product categories: small business loans (including lines of credit, SBA loans, term loans, equipment financing, merchant cash advances, commercial mortgages, and invoice factoring), disaster assistance loans, startup business loans, real estate loans with HELOC options, personal loans including debt consolidation, student loans, and eCommerce loans. The platform features a proprietary matching algorithm that recommends lending options tailored to user needs, with funding available in as little as 24 hours. Additional tools include loan calculators for various loan types. Lendzi acts as both a direct lender and intermediary partner with other lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• Small Business Loans Main category encompassing various financing options for small businesses including lines of credit, SBA loans, term loans, equipment financing, merchant cash advances, commercial mortgages, and invoice factoring; targeted at entrepreneurs and seasoned business owners needing capital at any stage of company development.
• Business Line of Credit A revolving credit source that serves as a financial safety net for business-related expenses, allowing entrepreneurs to draw funds as needed.
• SBA Loans Government-backed loans offered through the Small Business Administration providing significant funds at fair terms with peace of mind for both lenders and borrowers.
• Business Term Loans Funding option suitable for a wide range of business purposes offering relatively long payment terms that can help build business credit.
• Equipment Financing Financing option to secure machinery and equipment needed to keep business operations running smoothly and successfully.
• Merchant Cash Advance Alternative financing option allowing businesses to secure funding by receiving upfront capital in exchange for a percentage of future credit card or debit card sales, with repayment based on daily revenue.
• Commercial Mortgage Financing option for purchasing real estate for storefronts, warehouses, office buildings, or multifamily rental properties for business purposes.
• Invoice Factoring Financing solution allowing businesses to borrow money against outstanding invoices, providing quick access to cash while waiting for clients to pay.
• Disaster Assistance Loans SBA-backed loans providing up to $2 million for businesses to maintain expenses during economic disruptions such as COVID-19.
• Main Street Lending Program Federal Reserve program providing credit to small and medium-sized businesses affected by COVID-19 pandemic.
• Startup Business Loans Funding options for entrepreneurs to hire employees, buy equipment, upgrade technology, and pay for inventory to take viable next steps in business development.
• Real Estate Loans Loans for purchasing property including homes or commercial property loans for business purposes.
• Home Equity Line of Credit (HELOC) Credit line allowing business owners to free up value and equity built up in their home without selling the property, usable for business cash flow management.
• Personal Loans Loans for personal finance needs including buying cars, consolidating debt, or home renovations, with funds available within 24 hours of approval.
• Debt Consolidation Service to refinance existing debt without halting business operations, combining multiple balances into a single more manageable loan.
• Student Loans Educational financing options helping individuals fund their degree with needed capital.
• eCommerce Loans Financing options for online sellers to secure different types of funding for various business purposes in the e-commerce space.

Quantifiable outcome

• Funding as fast as 24 hours after applying
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature1 record

Partnerships

One partnership is on record.

• 60+ Lending InstitutionscoreChannel Partner/ Reseller/ DistributorLendzi has established over 60 partnerships with top lending institutions including banks and alternative lenders. These partners have been thoroughly vetted by Lendzi's experienced leadership team. The network includes both traditional and alternative lending options to serve diverse borrower needs.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• LendingTree: Largest US online lending marketplace connecting consumers and SMBs with multiple lenders across mortgage, personal, small business, and student loans. Closest direct competitor to Lendzi on the multi-product lending broker model, with a similar referral-fee revenue model and similar lender network strategy.
• Lendio: SMB-focused online lending marketplace that matches small business owners with 75+ lenders across term loans, lines of credit, SBA loans, MCAs, equipment financing, and invoice factoring. The closest SMB-specific comp to Lendzi, operating the same broker/marketplace business model in largely the same product set.
• Fundera: SMB lending marketplace (now owned by NerdWallet) that matches small business owners with partner lenders across SBA loans, lines of credit, merchant cash advances, and short-term financing. Near-clone of Lendzi's SMB offering, with comparable content-led acquisition and similar referral economics.
• Nav: SMB financial platform combining business credit reporting with a lending marketplace for term loans, lines of credit, SBA loans, and MCAs. Direct peer on the SMB brokerage side, differentiated by its data/credit profile layer.
• Credible: Online lending marketplace for student loans, personal loans, mortgages, and refinancing, operating a multi-lender comparison model with referral fee revenue. Comparable to Lendzi's consumer-side product set (personal, student, mortgage/HELOC) on the same marketplace business model.
• Funding Circle: SMB-focused online lending platform originating term loans and lines of credit to small businesses through its own balance sheet and a marketplace model. Comparable to Lendzi on the SMB segment and the credit intermediation role, though operating with more institutional capital.

Broad incumbents

• NerdWallet: Major consumer finance content and comparison platform with a lending marketplace spanning credit cards, mortgages, personal loans, and SMB products (via Fundera). Broad incumbent with overlapping broker capabilities across many of Lendzi's product categories but serving a wider financial comparison funnel.
• Bankrate: Long-established financial comparison publisher and lending referral platform covering mortgages, personal loans, credit cards, and SMB financing. Broad incumbent competitor to Lendzi in lending comparison and referral, with significantly larger brand and content footprint.
• OnDeck: SMB online lender (now part of Enova) originating term loans and lines of credit directly to small businesses. Adjacent incumbent to Lendzi in the SMB working capital segment, though operating as a direct balance-sheet lender rather than a multi-lender marketplace.

Emerging players

• MoneyLion: Consumer finance super app offering personal loans, credit, banking, and investing through a digital platform. Adjacent competitor to Lendzi on consumer personal loan and credit products, but with a vertically integrated balance-sheet model rather than a pure broker model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/37526229
• Xx.com/lendziloans
• Facebookfacebook.com/lendziloans

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lendzi