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LendingTree In-Depth Review
In a nutshell: LendingTree is an online lending marketplace. The business platform allows potential borrowers to connect with multiple loan operators to find optimal terms for loans, credit cards, deposit accounts, insurance, etc. The company has partnered with over 400 financial institutions worldwide since its launch in 1996.
LendingTree In-Depth Review
In a nutshell: LendingTree is an online lending marketplace. The business platform allows potential borrowers to connect with multiple loan operators to find optimal terms for loans, credit cards, deposit accounts, insurance, etc. The company has partnered with over 400 financial institutions worldwide since its launch in 1996.
LendingTree In-Depth Review

Overview

In business since 1998, LendingTree operates an online lending service connecting borrowers with their network of reputable lenders, banks, and credit partners. When applying for a business loan, lenders will compete to provide the best offer. That means businesses can shop around for ideal rates and terms.

Through LendingTree, businesses can secure a loan between $2,000 to $1,000,000. Once approved, LendingTree borrowers can receive their money as quickly as 24-48 hours. APRs vary between each applicant and typically range between 6.5% to 9%. The service offers a variety of different business loan types including small business loans, SBA loans, short and long-term loans, business line of credit, working capital loans, equipment financing, accounts receivable financing, and business credit cards.

Features

LendingTree makes a great choice, especially for small businesses. Rather than providing loans directly, LendingTree serves as a loan aggregator matching businesses with their network of lenders. Applicants can shop around for the best offer and compare rates from different lenders before accepting a loan. Small businesses looking to expand can apply through LendingTree to secure loans between $2,000 to over $1,000,000. Once approved, businesses can expect to receive their money within 24-48 hours.

Application Process

LendingTree has an easy online application. Applicants just need to fill out a quick form that consists of just 10 questions. The application includes information such as the requested loan amount, down payment, and credit history. After submitting, LendingTree will respond with a list of loan offers from their network.

Keep in mind that prior to approval, businesses will need to prequalify. Although most lenders will require a credit score of at least 500, applicants with lower credit scores may still qualify. LendingTree also offers a free service to help businesses improve their credit and qualify for better loan offers.

Repayment Terms

LendingTree business loans doesn't directly provide loans. Instead, they work with a network of financial institutions, connecting applicants to different lenders. Because of this, borrowers have the flexibility to shop around for different loan offers and repayment terms. Available rates vary between each lender and also depend on factors such as the business's credit score and monthly revenue. Typically, APRs range between 6.5% to 9%.

Customer Support

LendingTree offers friendly, responsive customer service. To contact support directly, businesses can choose between phone or online contact form. The company also hosts social media pages on YouTube, Twitter, Facebook, Instagram, and Google+. In addition to using their service through your PC, LendingTree boasts a mobile app that users can download on iOS or Android devices. This makes it easy to manage your account from anywhere on the go.

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PROS
  • 24-48 hour turnaround
  • Excellent support
  • Mobile app
CONS
  • No live chat support
LendingTree at a Glance
7.2 Editorial Score
Loan terms
6.0
Loan aggregator
Application process
8.0
Application process is straightforward and can be completed online
Eligibility requirements
8.0
Clear and fair eligibility criteria, including standard industry requirements,
Additional benefits
6.0
Limited access to financial advisors, not very comprehensive resources, few benefits for repeat borrowers
Customer service and support
8.0
Available during business hours, multiple contact methods, reasonable response times,
FAQs About Business Loans
Financing your business has become easier than ever with many lenders and business loan providers available. From SBA loans to lines of credit, companies can apply for many types of loans in the market. Get started with the most commonly asked questions about business loan services.
Should I get a business loan?
Business loans have a few advantages. By obtaining a loan, the lender does not have equity in the business. Instead, you simply need to repay the principal plus interest. After repayment, you do not need to share profits with the lender. This also reduces administrative duties by eliminating the need for shareholder meetings and votes. In addition, loans do not require the same regulations on investments.
What kind of information do I need to provide to apply for a loan?
Lending requirements depend on the business loan service. Often, lenders expect good credit, collateral, and steady monthly revenue for approval. A commercial lender may also request a business plan to prove that a business can repay the loan.
What is APR?
The APR (annual percentage rate) refers to the annualized interest rate charged for your personal loan. Typical APRs range from about 5% up to 30%. The APR of the loan depends on the applicant's financial history, assets, income, credit history, and other factors.
How much time do I have to repay the loan?
Repayment agreements depend on the terms negotiated between your business and the lender. Repayment periods can be as low as 6 months or less or for up to 5 years or more. When negotiating your loan, make sure to agree upon repayment terms that suit your current budget.
What kind of business loans are available?
There are many options for financing your business. Below are a few of the most common types of business loans:

Business Lines of Credit: A line of credit that businesses can access when needed
Equipment Financing: Loans to finance equipment in which equipment serves as collateral
SBA Loan: Low-cost, flexible loans secured by the Small Business Administration
Short-Term Loan: Small loans with short repayment terms between 3 to 18 months.

*American Express Business Line of Credit Disclosure: All businesses are unique and are subject to approval and review. The required FICO score may be higher based on your relationship with American Express, credit history, and other factors.
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