Welcome to my Lendtable review. This post is a partnership with Lendtable. All opinions are my own.
Not sure where to start saving for retirement? Or feel like you don’t have enough money to make meaningful progress in your retirement plan?
Today can change that.
It’s not only possible to save enough for retirement, but you can also capture free money from your employer and build passive wealth over time.
A simple place to start is taking full advantage of your company’s 401(k) or ESPP benefits.
If your employer offers a 401(k) match, even better.
Why?
Because an employer match is essentially free money: if you contribute $5,000 and your employer matches that amount, you end up with $10,000 in your retirement account.
Lendtable helps you capture that match by advancing the cash you need today to maximize your 401(k) match or ESPP contribution. In short, Lendtable gives you the money to receive your full employer match now, and you repay Lendtable from the future value of that match. It’s a straightforward way to secure thousands of additional retirement dollars from your employer.
Click here to complete a 2-minute evaluation and see how much you could earn with Lendtable.
Below is my Lendtable review.
What is a 401(k)?
A 401(k) is one of the most powerful retirement tools available. If you’re not regularly contributing to your 401(k), you’re likely missing out on free employer money and years of compounded growth.
An employer match means your employer contributes to your 401(k) based on what you put in. For example, an employer might match 100% of your contributions up to 5% of your salary. So if you contribute $5,000 and receive a full match, you’ll have $10,000 in retirement savings—doubled immediately and able to compound over decades.
Consider this example: Sarah earns $50,000 a year and her employer offers a 100% match up to 5% of salary. If Sarah contributes $2,500 annually (5% of $50,000) and receives the full matching contribution, her total annual retirement contribution becomes $5,000. If that amount grows at an average 7% annual return for 30 years, it could grow to roughly $250,000.
How does Lendtable work?
Lendtable’s process is simple: they advance you the cash necessary to fully capture your employer’s 401(k) match or ESPP benefit now, then you repay them later through a small profit-split from the match you received. The idea is to help you get the full employer match today, which otherwise might be missed if you can’t front the contribution.
- Lendtable provides a cash advance: Lendtable advances the funds you need to maximize your 401(k) match or ESPP contribution. For example, if your target contribution to trigger the full match is $5,000, Lendtable will deposit that amount into your checking account so you can allocate it to your retirement or ESPP contribution.
- Your employer provides the match: Once your contribution is in place and payroll is adjusted, your employer contributes the matching funds to your retirement account or ESPP. If your employer matches 1:1, your contribution doubles in your retirement account.
- You repay Lendtable with a profit-split: After your employer match posts, you repay Lendtable the advanced amount plus a small percentage of the match as their fee—typically between 5% and 10% of the value they generated for you.
Put another way: if Lendtable helps you capture $2,000 in employer match, they keep 5–10% of that added value (about $100–$200), and the rest remains in your retirement account. Lendtable does not require a credit check, there’s no minimum credit score, and they don’t report to credit bureaus for this service.
Who can use Lendtable?
Lendtable is available to employees whose companies offer a 401(k) match or an Employee Stock Purchase Plan (ESPP). Eligibility is based on whether your employer provides these benefits; it is not limited by age, industry, or income level.
If you’re unsure whether you qualify, check your benefits documentation or contact your human resources department to confirm plan details and matching rules.
How can I calculate how much I’ll earn with Lendtable?
Lendtable offers a quick 2-minute evaluation that estimates how much you can earn annually from your employer match by maximizing your contributions. Use that tool to see potential gains based on your employer’s match formula and your salary.
How much does Lendtable cost?
Lendtable charges a profit-split fee that typically ranges from 5% to 10% of the additional money they help you obtain. For example, if Lendtable advances funds that generate $2,000 in employer match and your profit-split is 10%, you would repay $2,200 total—the $2,000 advanced plus $200 as Lendtable’s fee.
Is Lendtable legitimate? Why should I trust this method?
Lendtable is not a get-rich-quick scheme, but rather a tool to help you access employer-provided retirement benefits you might otherwise miss. The risks are limited compared with traditional loans for several reasons:
- Lendtable does not perform credit checks during onboarding and does not require a minimum credit score.
- Their fee is a profit-split from the employer match instead of compounding interest like a typical loan or credit card.
- In a worst-case scenario where you cannot repay Lendtable and a penalty applies from your retirement provider for withdrawals, Lendtable has provisions to cover those fees in certain circumstances. As long as you follow the process to set contributions correctly, the service is designed to avoid leaving you worse off.
My Lendtable Review – Is Lendtable worth it?
In my view, Lendtable is a valuable option for employees who are not already maximizing their employer match or ESPP. Because the fee is taken from the additional employer-provided value—not directly from your current income—using Lendtable can be an efficient way to secure free money for retirement that you would otherwise miss.
Key reasons it can be worth it:
- Low direct risk: There are no hidden fees, no credit reporting, and no compound interest—only a transparent profit-split.
- Long-term benefit: Capturing employer matches today increases your retirement balance and lets compound growth work in your favor for decades.
I hope you found this Lendtable review helpful. Do you currently have a retirement plan in place?