Compare every option.
Pick the obvious one.
Side-by-side with every major financing platform. Same questions, honest answers — so you can decide in 60 seconds.
Total Clients Funded
30% Growth ↗
$1M$500k$250k$100k
JanFebMarAprMayJun
Your Client's Credit Score
740
Credit Rating: Excellent
Keep Your Customers Happy
Trusted for delivering consistent value and seamless experiences.
Grow
4X Faster
Fintology vs. Funding SaaS & Consultants.
The features that actually move the needle.
FintologyBest fit
White-Label Branding
Instant Setup
Industry CoverageAll
End-Customer Ownership
True AI & Automation
Credit Score Flexibility
No Broker Origination Splits
Multiple AI Lending Models
Customization & CRM Integrations
Trulli
White-Label BrandingLimited
Instant SetupAvg
Industry CoverageSMB
End-Customer OwnershipLimited
True AI & Automation
Credit Score FlexibilityLimited
No Broker Origination Splits
Multiple AI Lending ModelsLimited
Customization & CRM IntegrationsLimited
Lendio
White-Label Branding
Instant SetupAvg
Industry CoverageSMB
End-Customer Ownership
True AI & AutomationLimited
Credit Score FlexibilityLimited
No Broker Origination Splits
Multiple AI Lending Models
Customization & CRM Integrations
Fundera
White-Label Branding
Instant SetupAvg
Industry CoverageSMB
End-Customer Ownership
True AI & AutomationLimited
Credit Score FlexibilityLimited
No Broker Origination Splits
Multiple AI Lending Models
Customization & CRM Integrations
LendSaaS
White-Label Branding
Instant Setup
Industry CoverageSMB
End-Customer Ownership
True AI & AutomationLimited
Credit Score Flexibility
No Broker Origination Splits
Multiple AI Lending ModelsLimited
Customization & CRM Integrations
Onyx IQ
White-Label BrandingLimited
Instant Setup
Industry CoverageMCA
End-Customer Ownership
True AI & Automation
Credit Score FlexibilityLimited
No Broker Origination Splits
Multiple AI Lending Models
Customization & CRM IntegrationsLimited
OnDeck
White-Label Branding
Instant SetupAvg
Industry CoverageSMB
End-Customer Ownership
True AI & AutomationLimited
Credit Score Flexibility
No Broker Origination Splits
Multiple AI Lending ModelsLimited
Customization & CRM Integrations
| Feature | Fintology | Trulli | Lendio | Fundera | LendSaaS | Onyx IQ | OnDeck |
|---|---|---|---|---|---|---|---|
| White-Label Branding | Limited | Limited | |||||
| Instant Setup | Avg | Avg | Avg | Avg | |||
| Industry Coverage | All | SMB | SMB | SMB | SMB | MCA | SMB |
| End-Customer Ownership | Limited | ||||||
| True AI & Automation | Limited | Limited | Limited | Limited | |||
| Credit Score Flexibility | Limited | Limited | Limited | Limited | |||
| No Broker Origination Splits | |||||||
| Multiple AI Lending Models | Limited | Limited | Limited | ||||
| Customization & CRM Integrations | Limited | Limited |
Full support (Fintology)Full support (competitor)LimitedPartial supportNot included
Origination Income
Them
FeesUs
$0Customer Ownership
Them
NoUs
100%Lender Options
Them
1–10Us
4,500+Credit Flexibility
Them
LimitedUs
AllSetup Speed
Them
WeeksUs
HoursPlatform Branding
Them
TheirsUs
YoursFintology vs. The Industry.
How we stack up against the way brokers work today — independent shops, ISO/MCA desks, and lead marketplaces.
Independent Brokers
Lender Network Access5–20 lenders
Customer OwnershipShared with lender
Branding on ApplicationsLender-branded forms
Revenue ModelCommission splits
Origination FeesPaid to lender
Submission WorkflowManual, one lender at a time
Credit Score CoverageNiche per lender
Product MixLoans only
Setup TimeWeeks per lender
CRM & Pipeline ToolsSpreadsheets
Broker ControlMedium
ISO / MCA Brokers
Lender Network Access10–30 MCA funders
Customer OwnershipFunder takes the file
Branding on ApplicationsFunder-branded portal
Revenue ModelRev-share with funder
Origination FeesSplit with funder
Submission WorkflowEmail blast to funders
Credit Score CoverageSubprime heavy
Product MixMCA only
Setup TimeManual onboarding
CRM & Pipeline ToolsBasic CRM
Broker ControlLow — funder dictates
Lending Marketplaces
Lender Network AccessMarketplace-owned panel
Customer OwnershipMarketplace owns lead
Branding on ApplicationsMarketplace-branded
Revenue ModelLead fees + splits
Origination FeesPlatform takes cut
Submission WorkflowSingle form, limited panel
Credit Score CoveragePrime focused
Product Mix1–2 product types
Setup TimeDays to approve
CRM & Pipeline ToolsNone for broker
Broker ControlLow
FintologyBest fit
Lender Network Access4,500+ lending products
Customer OwnershipBroker owns the client
Branding on ApplicationsFully white-labeled
Revenue ModelFlat SaaS, 100% to broker
Origination Fees$0 — broker keeps all
Submission WorkflowAI auto-submits to best fit
Credit Score CoverageAll ranges, soft + hard pull
Product MixBNPL, LOC, Loans, Cards, MCA
Setup TimeLive same day
CRM & Pipeline ToolsBuilt-in CRM + automations
Broker ControlFull control
| Category | Independent Brokers | ISO / MCA Brokers | Lending Marketplaces | Fintology |
|---|---|---|---|---|
| Lender Network Access | 5–20 lenders | 10–30 MCA funders | Marketplace-owned panel | 4,500+ lending products |
| Customer Ownership | Shared with lender | Funder takes the file | Marketplace owns lead | Broker owns the client |
| Branding on Applications | Lender-branded forms | Funder-branded portal | Marketplace-branded | Fully white-labeled |
| Revenue Model | Commission splits | Rev-share with funder | Lead fees + splits | Flat SaaS, 100% to broker |
| Origination Fees | Paid to lender | Split with funder | Platform takes cut | $0 — broker keeps all |
| Submission Workflow | Manual, one lender at a time | Email blast to funders | Single form, limited panel | AI auto-submits to best fit |
| Credit Score Coverage | Niche per lender | Subprime heavy | Prime focused | All ranges, soft + hard pull |
| Product Mix | Loans only | MCA only | 1–2 product types | BNPL, LOC, Loans, Cards, MCA |
| Setup Time | Weeks per lender | Manual onboarding | Days to approve | Live same day |
| CRM & Pipeline Tools | Spreadsheets | Basic CRM | None for broker | Built-in CRM + automations |
| Broker Control | Medium | Low — funder dictates | Low | Full control |
Credit Report
580
Other Solution
Other Solution
Fintology
Other Solution
CDFI
LOC
0%
BNPL
MCA
LOANS
CARDS
& MORE
AI Lending SystemApplication Intake
Client Eligibility
AI Application Completion
Funding Approved
Credit Report
580
Other Solution
Other Solution
Fintology
Other Solution
CDFI
LOC
0%
BNPL
MCA
LOANS
CARDS
& MORE
AI Lending SystemApplication Intake
Client Eligibility
AI Application Completion
Funding Approved
From scattered documents to funded deals — Fintology AI agents process applications 24/7 across 4,500+ lending products.
Fintology vs. Broker Marketplaces.
LendingTree, Lendio, Fundera, NerdWallet — the lead marketplaces brokers compete with daily.
LendingTree
TypeLead marketplace
Customer OwnershipMarketplace owns lead
Branding ControlNone
CustomizationMinimal
Lender NetworkVery large panel
Broker Splits / FeesFees
Lendio
TypeBroker marketplace
Customer OwnershipMarketplace owns lead
Branding ControlNone
CustomizationMinimal
Lender Network75+ lenders
Broker Splits / FeesFees
Fundera
TypeBroker marketplace
Customer OwnershipOwned by platform
Branding ControlNone
CustomizationNone
Lender NetworkLimited panel
Broker Splits / FeesFees
NerdWallet
TypeLead aggregator
Customer OwnershipAggregator owns lead
Branding ControlNone
CustomizationNone
Lender NetworkAggregated
Broker Splits / FeesFees
FintologyBest fit
TypeBroker OS / SaaS
Customer OwnershipBroker owns the client
Branding ControlFull white-label
CustomizationHigh (Tiered & Enterprise)
Lender Network4,500+ lending products
Broker Splits / Fees$0
| Platform | Type | Customer Ownership | Branding Control | Customization | Lender Network | Broker Splits / Fees |
|---|---|---|---|---|---|---|
| LendingTree | Lead marketplace | Marketplace owns lead | None | Minimal | Very large panel | Fees |
| Lendio | Broker marketplace | Marketplace owns lead | None | Minimal | 75+ lenders | Fees |
| Fundera | Broker marketplace | Owned by platform | None | None | Limited panel | Fees |
| NerdWallet | Lead aggregator | Aggregator owns lead | None | None | Aggregated | Fees |
| Fintology | Broker OS / SaaS | Broker owns the client | Full white-label | High (Tiered & Enterprise) | 4,500+ lending products | $0 |
Fintology vs. Funding SaaS & Consultants.
TurnKey, LendSaaS, Onyx IQ, Centrex, and broker coaching programs — stacked against the engine built for brokers.
TurnKey Lender
TypeFunding SaaS
Customer OwnershipClient-owned
Branding ControlModerate
CustomizationHigh
Lender NetworkCustom by client
Broker Splits / Fees$0
LendSaaS
TypeBroker CRM SaaS
Customer OwnershipBroker-owned
Branding ControlModerate
CustomizationMedium
Lender NetworkBring your own
Broker Splits / Fees$0
Onyx IQ
TypeMCA underwriting SaaS
Customer OwnershipBroker-owned
Branding ControlLimited
CustomizationMedium
Lender NetworkMCA only
Broker Splits / Fees$0
Centrex Software
TypeMCA / Loan CRM
Customer OwnershipBroker-owned
Branding ControlLimited
CustomizationMedium
Lender NetworkBring your own
Broker Splits / Fees$0
Broker Coaches
TypeCoaching / Referral
Customer OwnershipShared
Branding ControlNone
CustomizationLow
Lender NetworkPartner lenders
Broker Splits / FeesFees
Eaze Consulting
TypeCoaching referral
Customer OwnershipShared
Branding ControlMinimal
CustomizationMinimal
Lender NetworkUnknown
Broker Splits / FeesFees
FintologyBest fit
TypeBroker OS / SaaS
Customer OwnershipBroker owns the client
Branding ControlFull white-label
CustomizationHigh (Tiered & Enterprise)
Lender Network4,500+ lending products
Broker Splits / Fees$0
| Platform | Type | Customer Ownership | Branding Control | Customization | Lender Network | Broker Splits / Fees |
|---|---|---|---|---|---|---|
| TurnKey Lender | Funding SaaS | Client-owned | Moderate | High | Custom by client | $0 |
| LendSaaS | Broker CRM SaaS | Broker-owned | Moderate | Medium | Bring your own | $0 |
| Onyx IQ | MCA underwriting SaaS | Broker-owned | Limited | Medium | MCA only | $0 |
| Centrex Software | MCA / Loan CRM | Broker-owned | Limited | Medium | Bring your own | $0 |
| Broker Coaches | Coaching / Referral | Shared | None | Low | Partner lenders | Fees |
| Eaze Consulting | Coaching referral | Shared | Minimal | Minimal | Unknown | Fees |
| Fintology | Broker OS / SaaS | Broker owns the client | Full white-label | High (Tiered & Enterprise) | 4,500+ lending products | $0 |
Approve user
Kendall P.
+1 682 233 7654
$115,000.00
Requested
AIActivated
Credit Analyzed
Lender Application
Why businesses choose Fintology over everyone else.
One engine that replaces marketplaces, CRMs, coaches, and consultants — without the splits.
Own Your Platform
Your branding, your data, your users, your rules.
Deploy in Minutes
Instant plug-and-play for our Tiered Plans — live same day.
Advanced Credit Matching
AI that goes beyond a credit score to surface real approvals.
No Fees on Approvals
Keep 100% of your customer revenue. $0 origination splits.
Flexible for Any Industry
From MedTech to Retail to Contractors — every vertical.
4,500+ Lending Products
Fintology's AI agents process applications 24/7 across 4,500+ lending products on you and your clients behalf so you can just sit back and invoice them your origination fee.
Sign UpLive same day on Tiered Plans
Them vs. Us
The honest gap between legacy financing tools and the Fintology engine.
Feature
Them
Fintology
Customer Ownership
ThemYou send your customers to their platforms
FintologyYou keep and own your customer inside your own branded portal
Lender Options
ThemLimited — 1 to 10 lenders at best
Fintology4,500+ lending products across BNPLs, LOCs, Loans, Cards, MCA & more
Credit Score Flexibility
ThemMust fit specific prime/subprime criteria
FintologyWide range — soft & hard pull lenders available
Loan Limits
ThemTypically capped around $1K–$10K
FintologyUp to $10,000,000+ from select lenders
Platform Branding
ThemTheir name on the loan site and approval emails
FintologyYour logo, your domain, your brand at every step
Setup Speed
ThemDays or weeks — manual paperwork
FintologyPlug-and-play — live same day on Tiered Plans
Origination Fees
ThemHidden costs or revenue splits
Fintology$0 origination fees, no rev-share
Customization
ThemNone or very limited
FintologyFull — dashboards, CRM, user flow, themes
Industry Support
ThemFocused on a single vertical
FintologySupports every industry
Revenue Opportunity
ThemPlatform or lender makes the money
FintologyYou keep the customer and the revenue
Why teams switch.
Own Your Platform
Your branding, your data, your users, your rules.
Deploy in Minutes
Instant plug-and-play for tiered plans.
Advanced Credit Matching
AI that goes beyond a credit score.
No Fees on Approvals
Keep 100% of your customer revenue.
Flexible for Any Industry
From MedTech to retail to contractors.
4,500+ Lending Products
Largest marketplace for maximum approvals.
Origination Income
Customer Ownership
Leadership Options
Credit Score Flexibility
Setup Speed
Revenue Opportunities
Platform Branding
Questions,
answered.
Still comparing? Book a 20-minute call and we'll map your stack against Fintology line by line.
How is Fintology different from a lead marketplace like LendingTree or Lendio?
Marketplaces sell the same lead to 5+ competing brokers and force you to race to the phone. Fintology gives you exclusive deals you own end-to-end — no shared leads, no bidding wars, no splits with the platform.
Do I have to give up my book of business or split commissions?
Never. You keep 100% ownership of every merchant, every renewal, and every commission. Fintology is a flat SaaS subscription — we don't take a cut of your deals, ever.
How fast can I get my brokerage up and running?
Same-day on our Tiered Plans. Pick a plan, drop in your logo and domain, and your branded portal, CRM, and 75+ lender network are live in hours — no dev work, no onboarding fees.
What makes Fintology different from a funding SaaS like TurnKey or Onyx IQ?
Those are just CRMs you still have to staff, train, and source lenders for. Fintology bundles the CRM, the 75+ lender stack, AI underwriting, submissions, and broker training into one platform — so a solo broker can compete with a 20-person shop.
How does Fintology actually protect my margins?
No origination fees, no lead resale, no commission splits, and no per-deal surcharges. You pay one flat monthly rate and keep every dollar of every commission on every funded deal.
Done comparing? Let's get you live.
Every plan includes the AI engine, 4,500+ lending products, and white-label tools. One funded deal more than covers the cost.