Headquarters picks the point of sale
The filing makes headquarters the decision point for a POS, not the owners.
Item 11 · 2022 filingFrom the filings · Financial services
Lendio franchise
121 locations, and franchised locations grew 80.6% last year. Headquarters picks the POS and the CRM.
Older dataFrom the 2022 filing on record. A newer filing is overdue, so these figures may have changed.Updated June 2026
Total investment
$46K to $117K
Item 7
Locations
121
+80.6% franchised
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For software vendors selling into US franchise brands.
Fees and terms
What a franchisee signs up for
Initial fee
$46K
Item 5 · per location
Royalty
Varies
Item 6 · full terms unconfirmed
Ad fund
2%
Item 6 · percentage component
Tech fee
$300/mo
Item 6
Term
5 years
Item 17
Franchised
100%
Item 20 · 121 of 121
For vendors
What decides a sale into Lendio
Suppliers come from an approved list
Owners buy from approved suppliers, and a new supplier needs headquarters' approval first.
Item 8 · 2022 filingMostly single-location owners
Every owner on record runs one location. Franchised locations grew by about 54 last year, and each opening buys the required systems.
Item 20 · 2022 filingThe account brief
The rest of the filing, read for your product
We keep the detail off this page. Tell us what you sell, and an analyst sends the full brief for Lendio, with the clauses that matter to you.
- The system the filing namesWhich are required and which are only mentioned, with the clause text
- Who decides at headquartersThe technology, operations and finance leads, by role and name
- The owner map76 owners by state
- 20 requirements the filing setsEach with the franchisor's own sentence
Source
Read the filing itself
Read the original document for the filing figures and their terms, page by page. Buy the original PDF to download, search, and annotate it.
View only A one-time purchase: the original filing, yours to keep.
Answered from the filing
Lendio franchise questions
How much does a Lendio franchise cost?
The 2022 FDD puts the total investment at $45,650 to $117,100, including a $46,000 initial fee.
How many Lendio locations are there?
The 2022 FDD lists 121 locations, 121 of them franchised and 0 run by the company. Franchised locations grew by about 54 over the year.
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Tell me when Lendio refiles
Primary franchise filings · updated June 2026. Read the original filing for definitions, conditions, and qualifications.