Why is Lendini different?


Lendini is not a bank. We do not provide loans. We offer cash advances. A cash advance is a payment to a business in exchange for an agreed upon percentage of future receivables. Lendini offers two types of advances, a Business Cash Advance and a Merchant Cash Advance. Lendini’s funding range is from $1,000 to $250,000.

With Lendini, business owners receive the capital they need without lengthy delays or excessive paperwork. Lendini offers pre-approvals in under three hours and next day funding of approved advances. Our staff provides unparalleled customer service and treats each business owner with the respect they deserve.

What is a Business Cash Advance?

A Business Cash Advance (BCA) is an advance where the merchant receives a lump-sum payment in exchange for an agreed upon share of the business’ future accounts receivable. A certain percentage, known as a “factor rate” is added to the advance amount to determine the total payback. Payments are withdrawn daily, from the business checking account, Monday through Friday until satisfied.

What is a Merchant Cash Advance (MCA)?

A Merchant Cash Advance (MCA), also know as a “credit card split”, is an advance where a merchant receives a lump-sum payment in exchange for the sale of future credit card receivables.  A certain percentage, or “factor rate” is added to the sum advanced to determine the total payback. Every time a merchant processes its credit card receipts, a process known as “batching”, Lendini receives a percentage of each batch until the advance is satisfied. The use of pre-approved credit card processors is required for this product. Lendini will provide further information and assistance to merchants interested in using this product.