Lendio does not do a hard credit pull. We do a soft credit check with your application, and our pull will not negatively affect your credit*. A hard credit pull may be required by a financing partner before closing. A hard inquiry should not be completed without your permission.

*Filling out an application for business funding and submitting to our funding partners will not impact your personal credit score, but, depending on the product, accepting an offer may result in a hard inquiry.