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Lendvo
Boston-based Lendvo connects small businesses with alternative capital providers through a marketplace lending model founded in 2014 by John Miller.
Lendvo
Lendvo launched in 2014 under CEO John Miller, emerging as a non-bank small business lender during a period when traditional financial institutions were retreating from sub-prime commercial credit. The firm operates an online application platform that aggregates merchant cash advances, bridge loans, equipment financing, and term loans from multiple capital sources, rather than deploying a proprietary balance sheet. Lendvo's deployment strategy centers on small and mid-sized US businesses seeking between $10,000 and $2 million. The firm covers working capital, equipment financing, and bridge loans, pulling from a network of institutional and private credit providers. Geographic coverage is pan-US, with the online origination model designed to serve borrowers across all 50 states. Lendvo's platform forwards matched loan requests directly to funding partners, who handle final underwriting and servicing. The firm does not publicly disclose specific borrowers or capital partners, citing competitive sensitivity and borrower confidentiality. The firm maintains a lean operational footprint out of its Boston headquarters. Team size and total capital deployed are not publicly reported. Lendvo's revenue model relies on origination fees and broker commissions rather than interest spreads or credit exposure — a deliberate structure that keeps the firm's own capital off the line. No adjacent venture funds, foundations, or co-investment vehicles are known. In May 2024, Lendvo updated its digital application portal to streamline the document-upload process for repeat borrowers. Lendvo's structural differentiator is its pure-intermediation model in a lending segment where most competitors operate as direct-balance-sheet lenders. By never taking credit risk onto its own books, the firm sidesteps the loss-reserve volatility that hits balance-sheet-heavy fintech lenders during credit cycles. The tradeoff — and what makes the architecture unusual — is that Lendvo competes on speed and placement accuracy rather than on underwriting margin, making its technology layer the core competency.
General information
Firm type
Asset Manager
Year founded
2014
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Boston
Corporate office
Boston, MA, United States
Principals
John Miller
Chief Executive Officer
Sector focus
Frequently asked questions
Who runs investment and credit decisions at Lendvo?
Lendvo does not make direct credit decisions internally — the firm operates a marketplace model where final underwriting rests with the capital providers in its network. CEO John Miller oversees the platform's technology and partner relationships, while Lendvo's matching algorithm screens and routes applications to relevant lenders based on the borrower's profile and requested terms.
Does Lendvo lend its own capital or operate a marketplace?
Lendvo operates a pure marketplace model. It does not deploy a proprietary balance sheet, take credit exposure, or warehouse loans. All funding comes from third-party institutional and private capital providers in Lendvo's network. The firm earns origination and placement fees rather than interest income or equity-style upside.
What loan products and sizes does Lendvo facilitate?
The platform handles working capital loans, merchant cash advances, equipment financing, bridge loans, and term loans. Loan sizes range from approximately $10,000 to $2 million, targeting small and mid-sized US businesses that may not qualify for traditional bank credit or need faster execution than a bank process allows.
Which sectors or borrower types does Lendvo focus on?
Lendvo does not publicly restrict its platform to specific industries. The firm focuses broadly on for-profit US-based small businesses, including those in retail, construction, healthcare services, and hospitality — sectors where alternative lending has traditionally filled gaps left by commercial banks post-2008.
How does Lendvo source its borrowers?
Borrower acquisition runs through Lendvo's proprietary online application portal — a direct-to-business digital channel. Lendvo does not disclose partnerships with broker networks or affiliate channels, and its profile does not suggest a physical branch- or relationship-manager-driven sourcing model.
Is Lendvo a single-family office or an affiliated entity of one?
No. Lendvo is an independently operated asset manager and lending marketplace, founded by John Miller in 2014. There is no public record of the firm being funded by, or structured as, a family-office vehicle.
Why does Lendvo not disclose its partner capital providers?
The firm has historically cited competitive sensitivity and partner confidentiality. Revealing the identities of funding partners could invite circumvention, where borrowers approach those capital sources directly, cutting Lendvo out of the origination and matching process — a structural vulnerability common to marketplace intermediaries.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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