# Lendtable **Source:** https://geo.sig.ai/brands/lendtable **Vertical:** Finance **Subcategory:** General **Tier:** Emerging **Website:** lendtable.com **Last Updated:** 2026-04-14 ## Summary SF fintech providing credit to help employees fully capture 401(k) employer match and ESPP benefits; $72.3M YC-backed with SoftBank investment at Microsoft, Google, Amazon employees. ## Company Overview Lendtable is a San Francisco-based fintech company providing lines of credit to salaried employees to fully capture their employer 401(k) match and ESPP (Employee Stock Purchase Plan) benefits — solving the underutilization problem where employees who can't afford to divert sufficient paycheck to 401(k) contributions leave matching employer funds uncaptured. Founded and backed by Y Combinator (W20) with $72.3 million raised including an $18 million Series A led by O1 Advisors with participation from SoftBank's SB Opportunity Fund and Valor Equity Partners, Lendtable has disbursed over $2.4 million in match benefits to employees at Microsoft, Google, Amazon, and IBM. Lendtable's financial product is structurally simple but addresses a gap in employee financial wellness: employer 401(k) matches (typically 50-100% of employee contributions up to a salary percentage) are free compensation — but capturing the full match requires contributing a percentage of each paycheck that many employees can't spare due to current financial obligations. Lendtable advances the required contribution funds as a loan, the employee captures the employer match (which typically exceeds Lendtable's interest cost), and repays Lendtable from the accumulated balance — generating positive expected value for employees who couldn't otherwise afford the contribution. The ESPP financing (buying company stock at 15% discount) follows similar logic for equity-eligible employees. In 2025, Lendtable competes in the employee financial wellness and benefits financing market with Gradifi (student loan repayment benefits, E*TRADE acquisition), Vestwell (401(k) administration for small business), and employer financial wellness platforms (Brightside, Northstar) for employee benefits financing. The employer benefits channel is the primary distribution model — HR leaders include Lendtable as an employee benefit that improves retention and financial wellness metrics. SoftBank's Opportunity Fund investment and employer partnerships at major tech companies demonstrate enterprise channel validation. The 2025 strategy focuses on building direct employer benefit integrations (HR system connections with Workday and ADP for automatic enrollment), expanding ESPP financing to more tech company employee bases, and developing the product toward a comprehensive employee financial wellness platform. ## Frequently Asked Questions ### What is Lendtable? Lendtable is a San Francisco-based fintech startup that provides lines of credit to employees to maximize their 401(k) employer match and ESPP participation. The company enables workers to capture free money from benefit programs they otherwise couldn't afford to contribute to by offering cash advances that are repaid over time. ### What products and services does Lendtable offer? Lendtable offers 401(k) match financing, ESPP contribution loans, employee benefit optimization, retirement savings credit lines, and employer match cash advances. These services help employees maximize their workplace benefits by providing upfront funding. ### Who is Lendtable for? Lendtable is for employees at major companies who want to maximize their 401(k) employer match and ESPP benefits but cannot afford the upfront contributions. Current customers include employees at Microsoft, IBM, Google, Amazon, and other major corporations. ### When was Lendtable founded? Lendtable was founded in January 2020 by Sheridan Clayborne and Mitchell Jones. The company was part of Y Combinator's Winter 2020 batch (W20). ### Where is Lendtable located? Lendtable is based in San Francisco, California. ### How much funding has Lendtable raised? Lendtable has raised $72.3M in total funding, including an $18M Series A led by O1 Advisors. The company is backed by 43 total investors including SoftBank's SB Opportunity Fund, Valor Equity Partners, Blue Trail Partners, Browder Capital, FiDi Ventures, and Fractal. ### What are Lendtable's key achievements? Lendtable has disbursed over $2.4M in match benefits to employees at major companies including Microsoft, IBM, Google, and Amazon. The company currently has 16 employees and has successfully raised $72.3M in total funding. ### How does Lendtable's business model work? Lendtable provides cash advances to employees for 401(k) and ESPP contributions, which employees repay over time. The company captures the spread between lending costs and the guaranteed return from employer match, which often provides a 50-100% instant return. ### Who founded Lendtable? Lendtable was founded by Sheridan Clayborne and Mitchell Jones in January 2020. ### What is Lendtable's recent news? Lendtable has raised $72.3M in total funding with their $18M Series A led by O1 Advisors and participation from SoftBank's SB Opportunity Fund and Valor Equity Partners among 43 total investors. The company has disbursed over $2.4M in match benefits to employees at major tech companies, though some customer service concerns have been noted in 2025 reviews. ## Tags b2c, fintech, scaleup, north-america --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*