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LinktoLender
The firm built its marketplace to serve two sides of a fragmented small-business credit market.
LinktoLender
The firm built its marketplace to serve two sides of a fragmented small-business credit market. On one side, merchants and business owners seeking term loans, merchant cash advances, SBA products, equipment financing, lines of credit or factoring submit one application that maps their profile against funder criteria. On the other side, independent sales organizations and digital platforms integrate LinktoLender’s white-label loan origination system, which includes a built-in CRM and lender-integrated dashboard, to offer financing to their own merchant bases. The platform claims cloud-native architecture with no third-party integrations required, and it accelerates data aggregation during onboarding to generate instant credit decisions across multiple products simultaneously. Deployment is measured by partner reach rather than managed assets; the firm earns revenue by taking a share of capital extended to merchants while bearing the underwriting risk. Named product types include MCA deals, Lines of Credit, SBA loans, factoring, and equipment financing — spanning short-term working capital to longer-duration credit — but no specific funded volume or portfolio holdings are publicly disclosed. Operational scale remains opaque. The website lists no team size, founding year, headquarters location, or named executives. A contact email points to the domain linktolender.com, and the firm notes it is listed on unspecified directories for ISOs. The absence of disclosed AUM, deployment figures, or a named investment committee reflects either early-stage posture or deliberate structural choice. No verifiable recent capital-raise, partnership, or regulatory filing surfaced in the available record. LinktoLender’s structural differentiator is its embedded-finance model: it is not a fund raising LP capital nor a broker routing paper applications. It provides the origination and underwriting rail that third-party platforms and ISOs plug into, with LinktoLender retaining the credit exposure. That architecture shifts it from asset-gatherer to infrastructure provider inside the small-business lending stack, though the lack of public performance data leaves its track record unverifiable.
General information
Firm type
Asset Manager
Year founded
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AUM
Undisclosed
Location
Region
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Country
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City
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Corporate office
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Sector focus
Frequently asked questions
How does LinktoLender source deals if it is not a direct lender?
LinktoLender aggregates demand through two channels: its own marketplace where business owners apply directly online, and embedded financing partnerships with ISOs and digital commerce platforms. Partner platforms integrate a white-label version of LinktoLender’s origination system, keeping their branding while LinktoLender handles underwriting and credit decisions. The firm states it assumes the credit risk on extended capital, which means it likely manages its own balance sheet or a dedicated credit vehicle for funded loans.
What loan products are available through the platform?
The firm lists merchant cash advances, lines of credit, SBA loans, factoring, and equipment financing among the products accessible through its single-application process. Business owners submit one application and receive matches to several funding options based on their profile. LinktoLender acts as the origination and underwriting layer, not the capital provider for every product, but it earns a share of capital extended.
Is LinktoLender a lender, a broker, or a technology vendor?
It combines elements of all three. It is not a broker in the traditional sense because it provides automated underwriting and takes credit risk on funded deals. It is not purely a technology vendor because it participates in the economics of loan origination and retains risk. The white-label product makes the technology available to ISOs and platforms, while the marketplace side behaves as a capital-access channel for business owners.
Who runs investment and credit decisions at LinktoLender?
No named principals, investment committee, or credit team are publicly disclosed. The firm’s website and available record do not identify any founders, executives, or underwriting leadership. This absence is notable for a firm that claims to assume credit risk, and institutional diligence would need to establish who has underwriting authority and what experience that team holds.
Does LinktoLender manage third-party capital or raise LP funds?
There is no public evidence that LinktoLender raises LP capital or operates a commingled fund structure. The firm’s disclosed revenue model is tied to taking a share of capital extended while bearing credit risk, which suggests proprietary or partner-provided capital rather than an external fund. However, absence of disclosure means the capital source remains unverifiable.
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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