Business Solutions

Simple payment solutions—the fastest way to yes

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At the point of sale

Offer people the ability to pay over time. We handle the financing and approvals. You get paid upfront.

Healthcare For Healthcare Help more patients get the care they need while you reduce expenses, improve cash flow, and lower administrative costs. Healthcare Providers
Construction For Construction Close more deals, increase project scopes, and grow business by offering affordable payment plans. Contractors

Marketplace Seller Financing

More Info
An online marketplace is an eCommerce platform where third parties sell products or services. Examples of online marketplaces include Amazon, Walmart, eBay, Etsy.

Provide the solutions your sellers need to manage and grow their businesses.

  • Provide working capital, business purpose loans, and lines of credit to help sellers manage and grow their business
  • Add products to your Marketplace that are easy to use and create a singular experience for your sellers
  • Provide a competitive differentiator in your Marketplace to attract more sellers
  • Integrates seamlessly into your current systems—no additional tools or software needed

The LendingPoint difference

Customer first

Solutions that foster relationships through financial assistance.


All laws, regulations and codes of conduct followed with fairness.


Continuously evolving ways to increase your business.


Products built from a collective team of industry experts.

Frequently asked questions

Who is LendingPoint?
LendingPoint is a provider of unsecured personal loans for consumers serving FICO® scores up to 850. Through proprietary technology and algorithms, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.” After serving hundreds of thousands of consumers, we’ve expanded into small business, and merchant point-of-sale lending solutions to further unlock access to affordable loans.
How does LendingPoint keep my personal and bank information safe?
LendingPoint takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Further information regarding LendingPoint’s security policies and procedures can be found here: Terms of Use
Does applying impact my credit score?
Providing your basic information to view loan options does not impact your credit score. To determine how much you could qualify for, we conduct a “soft pull” of your credit. If you select a loan option and continue your application, we require a “hard inquiry” to verify the information you’ve provided on the application for final loan approval. This “hard inquiry” will be seen as an inquiry on your credit report.
What is the eligibility criteria for a LendingPoint loan?
To be eligible for a LendingPoint loan, you must:
  • Be 18 years or older
  • Be able to provide a U.S federal, state, or local government-issued photo ID
  • Have a social security number
  • Have a minimum annual income of $35,000 (from employment, retirement, or some other source)
  • Have a verifiable personal banking account in your name
  • Not reside in Nevada or West Virginia
How much can I borrow?
Our personal loans range from $1,000 to $36,500. The loan amount you may be approved for depends upon your individual credit profile and the information you provide during the application process. The maximum loan amount offered is based upon what is believed to be affordable for you. We take several factors into consideration including your current DTI (debt-to-income ratio) and PTI (payment-to-income ratio).
What’s the status of my loan application?
If we request additional documentation to complete your application, you’ll be notified of a decision within one to three business days once the information is received. You can check the status of your application by calling Customer Support at (888) 969-0959.
Why was my application declined?
If your application was turned down, you’ll receive an email regarding the decision, including how to get a statement of specific reasons.

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USA PATRIOT Act Notice: Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law concerning Coastal Community Bank is the Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

California residents click here ››

Wisconsin residents click here ››

Ohio residents click here ››

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access