Lendio franchise: cost, fees and total investment
Short answer: The Lendio franchise fee is $34,500 to $46,000 and the total initial investment ranges from $45,650 to $117,100, with about $15,000 in liquid cash required, based on franchise disclosure data compiled in October 2026. Confirm current figures in Items 5 and 7 of the Lendio FDD.
What are the Lendio franchise fees and investment?
The Lendio franchise requires a franchise fee of $34,500 to $46,000 and a total initial investment of $45,650 to $117,100. The franchise fee is one line inside the total investment, which also covers location, equipment, opening inventory and working capital.
| Franchise fee (FDD Item 5) | $34,500 to $46,000 |
|---|---|
| Total initial investment (FDD Item 7) | $45,650 to $117,100 |
| Minimum liquid cash | $15,000 |
| US locations | 121 |
| Industry | Business Services |
| Headquarters | Lehi, Utah |
| Founded | 2016 |
| Franchising since | 2016 |
How does the Lendio investment compare with other business services franchises?
Lendio's minimum investment of $45,650 is at or below the median minimum investment of $67,093 across the 220 business services franchises in the SelectFranchiseList database. 156 of the other 219 brands in this industry start at a higher investment. Its franchise fee starting at $34,500 compares with an industry median of $35,000.
By minimum investment, Lendio belongs with franchises under $50,000.
What should you verify in the Lendio FDD?
Verify six parts of the Lendio Franchise Disclosure Document before you sign, because figures change with every annual FDD:
- Item 5 and Item 6: the current franchise fee, royalty, marketing fund and technology fees.
- Item 7: the full investment range by expense line, including working capital.
- Item 19: whether Lendio discloses financial performance data, and which units it covers.
- Item 20: openings, closures and transfers, plus contacts for current and former franchisees.
- Item 21: the franchisor's audited financial statements.
- Item 12: whether your territory is protected.
The full list of Items is in the FDD guide. You must receive the FDD at least 14 calendar days before you sign a binding agreement or pay any money.
Which franchises are similar to Lendio?
These business services franchises have the closest minimum investment to Lendio:
| Franchise | Franchise fee | Total investment |
|---|---|---|
| Sculpture Hospitality | $25,000 | $45,500 to $49,500 |
| HireQuest | $2,500 to $25,000 | $45,150 to $145,750 |
| City Publications | $40,000 to $250,000 | $46,300 to $269,900 |
| InsPeak Insurance | $5,000 | $47,060 to $120,000 |
| Management Recruiters International | $40,000 | $44,050 to $96,090 |
See every brand in business services franchises.
Frequently asked questions
How much does a Lendio franchise cost?
The total initial investment for a Lendio franchise ranges from $45,650 to $117,100, including a franchise fee of $34,500 to $46,000, according to franchise disclosure data compiled in October 2026. The exact amount depends on location, build-out and working capital, as shown in Item 7 of the FDD.
How much cash do you need to open a Lendio franchise?
Lendio lists a minimum of about $15,000 in liquid cash. Lenders usually finance part of the remaining investment, and the franchisor confirms its capital requirements during qualification.
How many Lendio locations are there?
Lendio reported 121 US locations in the data compiled in October 2026. Item 20 of the FDD shows openings, closures and transfers for the last three years.
How long has Lendio been franchising?
Lendio started offering franchises in 2016 after the company was founded in 2016.
Figures are compiled from franchise disclosure data and public franchise listings as of October 2026 and may have changed. Lendio and its trademarks belong to their owner; SelectFranchiseList is not affiliated with or endorsed by Lendio. This page is not an offer to sell a franchise. Only the franchisor's current FDD is authoritative.