Overview

Lendtable offers lines of credit that allow employees to contribute to their 401(k) plans and ESPPs without lowering take-home pay. After a quick approval using basic information and a recent pay stub, Lendtable funds the retirement or stock-purchase contribution directly, enabling workers to capture employer matches and ESPP discounts; employees repay through fees on the borrowed amount over time. Its focus on funding retirement and ESPP contributions for employees of large organizations, with revenue from credit fees and no advisory services, differentiates it from broader fintech lenders. The goal is to help employees maximize long-term retirement savings.