Lending Gurus

Lending Gurus is a referral service that matches small business owners and individuals with funding partners rather than lending the money directly. They provide tools like calculators for merchant cash advances, SBA loans, and equipment financing to help users compare options. The company operates out of Roseville, California, and aims to simplify the funding process with plain answers and no pressure.

The platform specifically targets small business owners who need working capital, inventory funding, or growth capital, as well as individuals seeking personal loans or debt consolidation. It is designed for those who want to avoid confusing offers, hidden fees, and pushy sales calls from traditional brokers. Users can choose between business funding types like invoice factoring or personal loans depending on their specific financial needs.

To get started, users simply answer a few quick questions in the Guru chat about their business or personal situation. The system then compares these answers with partner requirements to find the single best match without a hard credit check. Once matched, the user can apply directly with the partner to receive funding decisions and payments.

The website features several specialized calculators including an MCA Cost Calculator, SBA Loan Calculator, and DTI Calculator to help users estimate costs before applying. It also provides an Eligibility Checker and tools for business loan and equipment loan calculations to assist with financial planning. These tools allow users to see total payback, total cost, and estimated APR based on actual payment schedules.

Lending Gurus partners with platforms like Ramp, which offers a corporate card with a $500 bonus for hitting $1,000 in cleared spend, and Fora Financial for accessing a marketplace of over 50 lenders. They also integrate with Mercury for business checking accounts and MoneyLion for personal loan offers up to $100,000. These partnerships allow users to access a wide range of funding and banking solutions through one interface.

The service covers various funding types including working capital loans, business lines of credit, business term loans, and SBA loans. It also offers equipment financing and invoice factoring for businesses, alongside personal loans and debt consolidation for individuals. Bad credit options are explicitly mentioned as part of their personal lending portfolio.

The business is located at 3017 Douglas Blvd, Roseville, CA 95661, and operates primarily in the United States. While the main office is in California, they serve businesses across the country through their online matching platform. The company has been active as of 2026, with a focus on providing AI-powered lending guidance for small businesses.

The company states its mission is to provide simpler, more honest small business lending by closing the gap between owners and complex lending structures. They promise to quote only published terms, show full costs, and ensure no pressure is applied during the selection process. The editorial policy emphasizes transparency, with a clear note on how they earn referral fees from partners.

Lending Gurus operates as a referral service and does not lend money itself, which distinguishes it from direct lenders. They earn a referral fee when users apply through their links, but this does not change the terms offered by the partners. The company explicitly states that no lender pays for a review or a score, ensuring unbiased comparisons.

The site mentions that the Ramp corporate card partner offers a $500 bonus for users who hit $1,000 in cleared card spend, which is a specific promotional detail. Additionally, the MCA Cost Calculator allows users to input fees taken from the advance and payment frequency to see the true cost. These specific features provide concrete value beyond generic advice.

The company explicitly states it is a referral service and not a lender, meaning partners make all funding decisions. This structure allows them to compare options without the bias of needing to fund every deal themselves. They also note that they may earn a fee from partners, but this is disclosed in their advertiser disclosure.

You can reach Lending Gurus by phone at 87074140988.

The official website of Lending Gurus is lendinggurus.com.