Four Point Group vs Lendio
Two very different approaches to business funding. Here's what actually matters when you're deciding where to apply.
Collateral Requirements
This is where the biggest difference shows up — especially for growing businesses that can't tie up personal assets.
Four Point Group
Revenue-based underwriting means we look at your business cash flow, not your personal balance sheet. No personal collateral required to access funding up to $3M. We don't require UCC liens on equipment, real estate pledges, or personal guarantees.
Lendio
Lendio is a marketplace that connects you with lenders — their requirements depend entirely on which lender matches you. SBA loans through Lendio require collateral. Many term loans above $100K require equipment or real estate liens. You'll find out after filling out applications.
Human Advisor Access
Business funding is complicated. A marketplace throws you into 70+ lender options with no guide.
Four Point Group
Every applicant gets a dedicated funding advisor who reviews your file, explains your options, and helps you structure the right deal. One point of contact, no runaround.
Lendio
Lendio's model is marketplace-first. You create a profile, get matched with lenders, and manage the process yourself. No single advisor owns your file. If a lender rejects you, you start over with another.
Underwriting Approach
How each lender decides whether to fund you — and what they look at.
Four Point Group
Revenue-based underwriting looks at your business performance: monthly revenue, consistency, growth trajectory. We build a picture of your ability to repay from cash flow. No minimum FICO requirement published — we look at the whole picture.
Lendio
Lendio lenders use traditional underwriting: credit scores, time in business, annual revenue, and collateral. SBA loans through Lendio require 2+ years in business, strong credit (typically 680+), and collateral. Automated lenders still run hard credit pulls.
Speed and Funding Amounts
When you need capital, waiting weeks isn't always an option.
Four Point Group
Decisions in days, not weeks. Pre-qualification is a soft pull only. Full applications are reviewed by your dedicated advisor. Funding range: $10K – $3M based on your revenue profile.
Lendio
Speed depends entirely on which lender you match with. Online lenders may fund in days; SBA loans through Lendio take 30–90 days. Funding amounts vary by lender — up to $5M theoretically, but approval rates depend on the lender's criteria.
When Lendio Might Be the Better Choice
Lendio has specific scenarios where it works well. Being honest about them:
You need a traditional SBA loan
If you're targeting a long-term, low-rate SBA 7(a) loan and don't mind a 60–90 day process, Lendio's SBA marketplace is a legitimate option.
You're comparing many lenders at once
If you want to shop rates across dozens of lenders simultaneously and don't mind managing multiple applications yourself, the marketplace has value.
Very small loans (under $25K) with strong credit
Short-term working capital loans under $25K for businesses with 700+ FICO can sometimes move faster through Lendio's automated lender network.
What Applicants Say About Four Point Group
"I applied with two other lenders before Four Point Group. The others wanted collateral I didn't have. FPG looked at my revenue and funded me in four days. Nothing else came close."
"My advisor actually called me after I submitted. Walked me through what I qualified for and why. I didn't feel like a number in a queue."
"I had a credit score that ruled me out at three banks. Four Point Group's revenue-based approach got me $90K with no personal guarantee. Game changer."
Frequently Asked Questions
Yes — most Lendio lenders require collateral for larger loans, especially term loans above $100K. SBA loans through Lendio typically require real estate or equipment as collateral.
No. Lendio operates as a marketplace matching you with lenders. You manage the process yourself, filling out multiple applications and tracking responses from different lenders independently.
Varies by lender. Lendio matches you with lenders, but each lender runs its own underwriting process. Decision times range from same-day to 2+ weeks depending on the lender and loan type.
Lendio shows lenders up to $5M on their marketplace, but approval depends on your lender match. Four Point Group offers up to $3M with revenue-based underwriting and no collateral requirement.
The pre-qualification uses a soft pull only — no impact to your credit score. If you proceed to the full application, a full underwriting review occurs, which is standard for any lender.
Skip the Marketplace. Get a Real Answer.
Apply in 5 minutes. Soft pull only. A funding advisor reviews your file within 24 hours.
🔒 No hard pull · No obligation · Funding up to $3M