Getting a business loan is painful.

You visit your bank. They ask for two years of financials. You wait three weeks. Then you repeat at the next bank. And the next.

Most SMEs just accept whatever their bank offers. Not because it’s the best deal. Because finding out is exhausting.

I built Lenduck to fix that.

The idea

Your accounting software already has everything a lender needs to make a decision. Revenue, cash flow, invoices, margins. It’s all there. Lenduck just connects the dots.

Connect QuickBooks, Xero, Sage, FreshBooks or Fakturoid once. We analyze your financials, build an anonymized profile, and send it to lenders who actually want your business. You get multiple offers in 24 hours. Side by side. Compare APRs, terms, fees. Pick the best one.

No paperwork. No repeating the same forms. Free for businesses, forever.

How it works

1. Create account. Just an email.
2. Connect your accounting software via OAuth. Read-only access, we can’t touch your data.
3. AI analyzes your revenue trends, cash flow, margins, receivables. Takes seconds.
4. Lenders see an anonymized financial profile. They compete for your business.
5. You pick an offer. Funds arrive in 24-48 hours.

Your company identity is never revealed until you explicitly choose to proceed with a specific lender.

What types of financing

Term loans, lines of credit, invoice factoring, equipment financing, revenue-based financing. Most lenders on the platform work with businesses from ~$100k annual revenue.

For lenders

Pre-qualified leads with verified financial data already attached. No manual document collection. Pay only when a deal is funded. Better conversion, lower acquisition cost.

Why I built it

Years in fintech. Banking, digital bank builds, financial SaaS. The SME lending problem kept coming up everywhere.

Banks are slow because underwriting is manual. Businesses give up because applying everywhere is painful. Nobody wins.

Accounting data changes that. If you can see real cash flow, you can make fast and accurate decisions. Lenduck is the pipe.

What’s next

Czech and Slovak accounting software integrations on the roadmap. Pohoda, Money S3, Flexibee. Central Europe is the focus.

Check it out at lenduck.com. Feedback welcome.