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Planning for tomorrow starts today.

Put $0 of your own money into your

Lendtable gives you cash to offset your benefit contributions, so you can get your full employer match and grow long-term wealth—without losing a cent from your paycheck.

Get Started


Calculated at next step
See why Fortune 500 employees nationwide trust Lendtable.

It’s never too late to build long-term wealth for future you.

Every year, Americans miss out on more than $24 billion in benefits because they're not getting their full employer match. Don't be one of them.

Calculate Earnings
Average Lendtable Cash
That's an extra $6,000/year for your daily expenses. Depending on your policy, you could get even more.
Companies served
Our customers come from all industries and locations across America.
Customer support
Our U.S.-based customer success team is available day and night to help you find the solutions you need.
Lendtable Cash disbursed
In 2021, we gave out 22x more money than we did in 2020—and it's only up from here.
How it works
Max out your benefits
We help you calculate how much you need to contribute to get your full employer match, and give you the money to replace your monthly contributions.
Keep more money in your pocket
Pay your bills, student loans, and medical expenses. Start a rainy day fund or take a vacation. Use your extra money however you want.
Profit share to pay your balance
When your match vests, pay us back the principal and a small fraction of the match profit. That way, you'll never end up net-negative.
Life is richer with Lendtable.

Life is richer with Lendtable.

See where your employer match could take you.

Lendtable's profit-share model

Here's how Lendtable works with a 401(k) match.

Lendtable's share
10% - 20% of the employer match
Taxes + Fees
0% - 10% in government fees
You Keep
70% - 90% of the match
We give you a cash advance, not a loan. Here’s why:
No compound interest like credit cards, banks, or lenders
We never require credit checks
With our profit-share model (emphasis on the profit), you'll never end up in the red.

Building wealth is hard. We know how to help.

Saving for retirement is a journey. We're here to lend a hand, every step of the way.

3 mins
Sign Up
Upload your company, salary, paystub, and match policy.
24 hours
Our team verifies your uploads and approves you for Lendtable cash.
Every Month
Get Lendtable Cash
We send direct deposits to replace the 401(k) or ESPP contributions you make to get your full match.
1-3 years
Pay Your Balance
Withdraw the principal cash advance and a small fraction of the match profits to pay your Lendtable balance.

Hear from our customers:

Max out benefits, keep monthly income the same.

Lendtable replaces the income you contribute to your 401(k) or ESPP, so you can keep your monthly income the same while taking advantage of your match policies.
Max out your employee benefits
Maintain your income level
Get retirement planning on track

Life is complicated enough. Make retirement planning a little less so.

Lendtable supplements your monthly income with the money you put toward your employee benefits. More benefits for you with less budgeting!
   401(k) Setup Assistance
   ESPP Setup Assistance
   Clear Financing Terms
   Straightforward Deposits
   Easy Repayment
It's never too late.

Goodbye, financial anxiety. Hello, having your $#!& together.

Get started faster than you can say 401(k)—or look up what the "k" actually means.
Get Started in 3 Minutes
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San Francisco
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