We built the funder we wished existed when we were ISOs.
Lended is a New York-based direct funder serving experienced ISO partners and small businesses across the United States. Founded in 2018 by veterans of the alternative-finance industry, we've deployed over $420 million in working capital to merchants who power the American economy — restaurants, contractors, healthcare practices, retailers, and the trades.
Real capital.
Real people.
Real closings.
Most funders treat ISOs like ticket numbers and merchants like spreadsheets. We don't. Every deal at Lended is reviewed by a human underwriter with authority to approve, structure, and close — not just kick a file back to the queue.
We focus on the deals other funders walk away from: 2nd-8th positions, $250K to $3M, C and D paper with healthy revenue. We win on creativity, speed, and trust — and we measure ourselves on the only number that matters: deals closed.
Three things we never compromise on.
We close in 24 hours because our underwriting is built for it — not because we skip diligence.
We close what we approve. No bait-and-switch. No surprise terms. ISOs and merchants both know what they're signing.
C/D paper, 4th-8th positions, complex revenue patterns — the deals other funders pass on are the deals we build relationships on.