Lili review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Lili is a US business credit line, not a personal loan, and it suits companies that can show steady revenue and want a revolving facility. Borrowings reach up to $250,000 on a fixed rate, and a soft prequalification check soft prequal keeps early applications light.

Key facts

Best for
US businesses needing a revolving credit line that funds by the next business day.
Loan amount
up to $250,000 (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
As soon as the next business day (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
U.S.-based businesses; at least 3 months in business and $30,000 annual revenue required to apply (Source, checked September 26, 2026)
Loan types
Business, Credit-line (Source, checked September 26, 2026)
Legal entity
Lili App Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line, Same-day funding
Official website
lili.co

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedIninstagram.com

Pros and cons

Pros

  • Credit line of up to $250,000 on a fixed rate, so payments do not move with the market
  • Soft prequalification soft prequal rather than a hard search at the start
  • Funding As soon as the next business day, quick enough for payroll or stock gaps
  • Support runs on phone, email and help centre

Cons

  • Lili works as a broker, so the funding partner sets the final terms
  • Eligibility is limited to U.S.-based businesses with a minimum time trading and a minimum annual revenue
  • The only regulator named is the 60DBO-48774
Lili

Ready to try Lili?

Scored 8.6 / 10 by BorrowCue.

See alternatives

Who it suits

  • Established U.S. businesses with steady revenue that need flexible working capital
  • Sellers covering seasonal stock or inventory purchases on a revolving line
  • Businesses that want to check eligibility without a full credit search first

Who should look elsewhere

  • Anyone looking for a personal loan, as Lili lends to businesses in the US only
  • Borrowers outside the US, because eligibility is limited to U.S.-based businesses
  • Shoppers comparing the cheapest consumer credit lines, since a broker arrangement sits between the business and the funding partner

The company behind it

Lili is run by Lili App Inc., based in the US and founded in 2018. It works as a broker, so an application is passed to a funding partner who sets the rate and the limit. The named licence is a 60DBO-48774. Support runs on phone, email and help centre.

How Lili compares

Where Lili is available

Available
United States
Licence in United States
California Financing Law licence held by funding partner Fundbox (California DFPI) (60DBO-48774), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What can I borrow from Lili?+

Lili provides a business credit line with a limit of up to $250,000. The facility is revolving, so you draw what the business needs rather than taking one fixed loan. Pricing is on a fixed rate, which keeps the cost of the credit steady.

How is the credit check handled?+

Lili runs a soft prequalification, listed as soft prequal, which is a lighter touch than a full credit search. You can see whether the offer fits before committing. A full check may still be needed once the funding partner reviews the application.

How quickly can I get the money?+

Funding time is As soon as the next business day on the credit line, and same-day funding is one of the features listed at credit line and same day funding. That suits a payroll date or a stock order that cannot wait. The final drawdown sits with the funding partner.

Who is eligible to apply?+

Eligibility is for U.S.-based businesses that have been trading for a minimum period and meet a minimum annual revenue level. Those thresholds are what separate a business line from a consumer loan. Personal borrowers, and businesses outside the US, do not meet them.

Is Lili a lender or a broker?+

Lili works as a broker. The application moves to a funding partner who decides the rate and the limit, so terms are not set by Lili alone. The named licence is a 60DBO-48774.

How do I get help with the account?+

Support runs on phone, email and help centre, so you can reach the team by phone, by email or through the help centre. The business and credit-line products are both covered under business and credit line. Account questions go through the same channels.

What is the rate structure?+

The rate type is fixed, and fixed-rate lending is the only model listed at fixed rate. That means the cost of the credit does not shift when market rates move. Whether that suits you depends on how long you keep the line open.

Sources

  • en.wikipedia.org/wiki/Lili_(platform) checked September 26, 2026

    Backs: Founded

    “Lili was founded in 2018 by Lilac Bar David and Liran Zelkha”

  • lili.co checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Lili App Inc. PO Box 1809, New York, NY 10156”

  • lili.co/flexible-business-financing checked September 26, 2026

    Backs: Loan types

    “Explore 10+ financial products including SBA loans and term loans”

  • lili.co/line-of-credit checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Features, Funding time, Lender type, Pricing model, Rate type, Licences

    “Get a business line of credit up to $250,000”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Arrangement fee, Representative example.

Lili

Lili

US businesses needing a revolving credit line that funds by the next business day.

8.6/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings