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Lendini vs Advantage Merchant Funding
Built live from what each lender publishes. Nothing here is estimated — where a lender publishes nothing, the cell says so.
| Attribute | Lendini | Advantage Merchant Funding |
|---|---|---|
| On the record |
|
|
| Lender type | Direct funder | Not stated |
| Products offered | MCA, Revenue-based | MCA, Term loan, Line of credit |
| Published amounts | $5K – $300K | Not disclosed |
| Pricing basis | Factor rate | Not disclosed |
| Published rate | from 1.25x | Not disclosed |
| Disclosed fees | No origination, admin or underwriting fee is named or quantified. The Lendini Rewards page grants a tiered "Fee Reduction" of 10% (Bronze), 20% (Silver), 30% (Gold), 40% (Platinum), 50% (Diamond) and 60% (Diamond+), which confirms fees exist but never says what they are. The homepage separately claims "No interest". | Not disclosed |
| Repayment frequency | Variable with revenue | Not disclosed |
| Term length | Not disclosed | Not disclosed |
| Minimum credit score | Not disclosed | Not disclosed |
| Minimum time in business | 3 mo | Not disclosed |
| Minimum monthly revenue | $10K/mo | Not disclosed |
| Collateral required | Not disclosed | Not disclosed |
| Personal guarantee | Not disclosed | Not disclosed |
| States excluded | Not disclosed | Not disclosed |
| Industries excluded | Not disclosed | Not disclosed |
| Speed to fund | As soon as the next business day | Not disclosed |
| Speed conditions | Not disclosed | Not disclosed |
| Headquarters | Bensalem, PA | New York, NY |
| Established | 2015 | Not disclosed |
| Next step | Enquire Review | Enquire Review |
Rates on this page are not directly comparable unless the pricing basis matches. A factor rate of 1.30 and an APR of 30% are different measures of different things — a factor rate is a multiple of the amount advanced with no time dimension, an APR is annualised. Read the pricing basis row before comparing the rate row.