How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
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Content was accurate at the time of publication.
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APR range: Not disclosed
Loan amounts: to , depending on loan type and eligibility
Minimum time in business:
Minimum annual revenue: Minimum is not disclosed, but there are caps for Small Business Administration (SBA) loans.
Max net worth: 15 millionMax average net income over past two years: $5 million
Our verdict: offers a wide range of financing options, but SBA loans are only available in certain states. The lender also isn’t transparent about its rates, eligibility requirements or time to funding. That said, it could be a good match for small business owners who don’t mind contacting the bank for a personalized quote.
Offers a wide variety of small business financing options
Also provides business checking accounts, savings accounts and credit cards
High borrowing limits for eligible businesses
Cons
Does not disclose interest rates, fees, eligibility requirements or time to funding
No online application process
SBA loans only available in 17 states
small business loans review
small business financing at a glance
Product
Loan amounts
Repayment term
Estimated APR range
Fees
Business term loans
months
Not disclosed
Not disclosed
Business lines of credit
Renewable every
Not disclosed
Not disclosed
Equipment financing
Not disclosed, but offers up to 100% financing
Not disclosed
Not disclosed
Not disclosed
Commercial real estate loans
Up to months
Not disclosed
Not disclosed
SBA 7(a) loans
Up to
Up to months
Not disclosed
SBA 504 loans
Up to months
About
Based on SBA guidelines
Not disclosed
Term loans
Line of credit
In many ways, a business line of credit mirrors a credit card. It comes with a credit limit, and you draw on funds as needed. You’ll only pay interest on the amount you borrow. As you pay down your balance, you’ll have access to more of your credit limit. offers business lines of credit from , and you can review your credit line annually. Rates and fees are not disclosed, so you’ll have to contact for more information.
Equipment financing
Equipment financing is a term loan that allows you to purchase essential equipment for your business. That can include large machinery, vehicles, computers and more. With this type of secured loan, the equipment serves as collateral. That means the lender can repossess it if you default on your loan. With , eligible business owners can secure up to 100% equipment financing, but the lender does not disclose its terms, rates or fees.
Commercial real estate loans
A commercial loan can be used for new construction or to buy existing real estate. This type of financing typically requires a down payment of at least 20%. You can also expect a shorter term length, though has terms up to
SBA 7(a) loans
SBA loans are issued by approved lenders and partially insured by the U.S. Small Business Administration. That usually makes them more affordable, though the application process and eligibility requirements can be rigorous.
SBA 7(a) loans can have fixed or variable interest rates and be used for general business financing. Qualified borrowers can secure up to through . You may need to offer collateral for loans larger than $50,000. Terms can last up to months. But again, only offers SBA loans in the 17 states mentioned above.
SBA 504
SBA 504 loans are designed to fund commercial real estate or large equipment. Like SBA 7(a) loans, these loans are backed by the SBA up to a certain amount. You’ll likely have to make a down payment of at least 10%.
504 loans typically have lower interest rates that are equal to roughly of the total loan amount. Repayment terms are 10,20 or 25 years. offers 504 loans from .
How much do you need for your business?
$60,000
borrower requirements
Minimum annual revenue
Not disclosed but the following caps apply to SBA loans:
Max net worth: 15 million
Max average net income over past two years: $5 million
Minimum time in business
for SBA loans
Minimum credit score
Not disclosed
Required documents
isn’t very transparent when it comes to its eligibility requirements. To get this information, you’ll need to reach out to directly for a personalized quote. However, the lender does offer more information regarding its SBA loans. If you choose to apply through , you’ll need to provide the following documents:
Up-to-date business financial statement
Business financial statements for the past three years
Personal and business tax returns
Aging report for unpaid invoices
Articles of incorporation and bylaws
Personal financial statements from the business owner and any high-ranking employees
Collateral information and valuation, if applicable
Alternatives to
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
Minimum credit score
Not disclosed
for unsecured lending products
Not disclosed
Loan products offered
Term loans
Lines of credit
Equipment financing
Commercial real estate loans
SBA 7(a) loans
SBA 504 loans
Term loans
Lines of credit
Business auto loans
Equipment financing
Commercial real estate loans
SBA 7(a) loans
SBA express loans
Term loans
Lines of credit
Equipment financing
Commercial real estate loans
SBA 7(a) loan
SBA 504 loans
Medical practice loans
Time to funding
Not disclosed
Around two weeks for SBA loans, not disclosed for other products
In some cases, funds could be available within minutes
Starting rates
Not disclosed
to
Unsecured term loans: Secured term loans: Unsecured lines of credit: Secured line of credit: Business auto loans: Equipment financing: Commercial real estate loans:
Not disclosed
Maximum loan size
to
to
to
Minimum annual revenue
Not disclosed
to
Not disclosed
vs.
offers SBA loan options, but they’re only available in 17 states. That could present a challenge for certain small business owners. What’s more, does not make its loan details readily available. You’ll have to contact the lender directly for information about its rates, fees, eligibility requirements and more.
offers more transparency — and might be a better fit for startups that haven’t been in business long enough to get financing through . You can expect strong credit requirements (+ for unsecured loan products) and a healthy minimum annual revenue to qualify for a business loan with .
and offer similar loan products, but neither is transparent when it comes to minimum credit score requirements, starting APRs and minimum revenue criteria.
That said, could be a good option for business owners looking for smaller loan amounts — you could borrow as little as . And its quick online application process and funding times could be another advantage.
Free LendingTree Services – Disclosure current as of 21-Nov-25
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
What portion of LendingTree’s services in connection with my loan request is free?
There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.
How does LendingTree get paid?
LendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.
Disclosure 116
Business Loans – Disclosure current as of 20-May-24
Business Loans are those loans that are for commercial use and any property and/or proceeds from the proposed request will be used by the requestor for commercial purpose only and not for any personal, family or household purposes, and that the proposed request would constitute a business loan which is exempted from the disclosure requirements of the Truth in Lending Act.
Most of our Business Funding Partners do not require collateral for business loans; however, please note that it is possible to be offered another product by the lender depending on your needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for collateral requirements.
There is no one-size fits all business loan. Rather there are several types that will likely be offered and or discussed with you upon completing your request. Business Funding Partners determine the underwriting criteria necessary for approval, you should review each Partner's terms and conditions to determine which business funding option works for your business’s financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Partner's discretion. There is no guarantee your business will be approved for credit or that upon approval your business will qualify for the advertised rates, fees, or terms shown. Lender terms and conditions will apply and all products may not be available in all states. Ask your lender for details.
LendingTree Advertisement Disclosure:
LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.
For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details.
LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;
AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469;
AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #1136MBR; NH Small Loan Lender License #1136SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 28-Mar-25. Advertised Terms and Information
The information and disclosures above relate to advertised terms made by or through LendingTree.
Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.
At LendingTree, we are committed to providing accurate and actionable content that helps you make informed decisions about your money. Our team of writers and editors follows these key guidelines:
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Our partners do not pay us to feature any specific product in our content, but we do feature some products and offers from companies that provide compensation to LendingTree. This may impact how and where offers appear on the site (such as the order).
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