# LendingPoint™

> LendingPoint is a privately held US consumer lending and servicing platform using proprietary credit models to evaluate borrowers beyond a traditional credit score. Its current focus is unsecured personal installment loans; its earlier merchant point-of-need business ended in 2023. The company reported $10 billion in cumulative originations as of Q2 2026.

- **Founded:** 2014
- **Headquarters:** Kennesaw, United States
- **Founders:** Tom Burnside (Co-founder; former CEO), Franck Fatras (Co-founder; former president, COO and CTO), Juan E. Tavares (Co-founder; former chief strategy officer), Victor J. Pacheco (Co-founder; former chief product officer)
- **Products:** Unsecured personal loans, Customer portal and mobile app, Merchant Solutions / point-of-need financing, eBay Seller Capital powered by LendingPoint
- **Notable:** Reported $10 billion in cumulative originations by Q2 2026., Ranked No. 17 on the 2019 Inc. 5000 and No. 1,457 in 2023., Reported more than $2.5 billion in originations through December 2020.

## Products & services

- **Unsecured personal loans** — Current core product: $1,000-$36,500, fixed APRs of 7.99%-35.99%, and 24-72 month terms, subject to underwriting, location and fees. Lending began in 2015.
- **Customer portal and mobile app** — Loan balances, payment management and account access; currently promoted on the company website.
- **Merchant Solutions / point-of-need financing** — Historical merchant financing offering, expanded through LoanHero in 2018; exited at the end of 2023 according to KBRA.
- **eBay Seller Capital powered by LendingPoint** — Historical US seller-financing pilot announced in 2020. eBay’s current program lists other financing providers.

## Achievements

- Reported $10 billion in cumulative originations by Q2 2026.
- Ranked No. 17 on the 2019 Inc. 5000 and No. 1,457 in 2023.
- Reported more than $2.5 billion in originations through December 2020.

## Latest updates

- **2026-09** — Press kit updated; reports $10 billion originated through Q2 2026.
- **2026-05** — KBRA downgraded six note classes and affirmed four in reviewed consumer-loan securitizations.
- **2026-03** — Mark Freeman became permanent CEO, according to KBRA’s May review.
- **2025-11** — Announced new capital financing for technology, products, operations and distribution; amount and participating investors undisclosed.

## Links

- Website: https://www.lendingpoint.com/
- LinkedIn: https://www.linkedin.com/company/lendingpoint
- Twitter/X: https://twitter.com/lploans
- Instagram: https://www.instagram.com/lendingpoint/
- Facebook: https://www.facebook.com/LendingPoint1/

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Profile page: https://yespress.io/lendingpoint
Published by YesPress — https://yespress.io
Last updated: 2026-10-25