Lendio Bookkeeping vs SurePayroll
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
SurePayroll is our recommended pick for most teams — small businesses with under 100 employees looking for simple, affordable full-service payroll.
Try SurePayroll →Read our full SurePayroll review →Lendio Bookkeeping
Lendio Bookkeeping is a small business bookkeeping service that pairs automated software with human bookkeepers to keep your finances organized. It also connects businesses to funding options through the Lendio lending marketplace.
SurePayroll
SurePayroll is an online payroll service designed specifically for small businesses. It is owned by Paychex and offers full-service payroll processing, automatic tax filing, and employee self-service tools. SurePayroll is known for its simple setup and affordable pricing, making it a top choice for small business owners running payroll for the first time.
Pros
- ✓Combines software with human bookkeepers
- ✓Connected to Lendio lending marketplace
- ✓Good for businesses needing both bookkeeping and financing
- ✓Simple pricing
- ✓US-focused
Cons
- ✗Less well-known than major competitors
- ✗Limited advanced accounting features
- ✗Best value for businesses also seeking financing
- ✗US only
Pros
- ✓Very easy to set up and use — ideal for first-time payroll users
- ✓Automatic federal, state, and local tax filing included
- ✓Affordable flat-rate pricing for small teams
- ✓Strong mobile app for running payroll on the go
Cons
- ✗Limited features for larger or more complex businesses
- ✗Customer support can be slow during peak periods
- ✗Less customizable than enterprise payroll solutions
Lendio Bookkeeping vs SurePayroll: Side by Side
| Factor | Lendio Bookkeeping | SurePayroll |
|---|---|---|
| User Rating | N/A | 4.4/5 ★ |
| Category | Accounting Software | Payroll Software |
| Pricing Model | Paid | Paid |
| Starting Price | Contact for pricing | Custom pricing |
| Best For | Small US businesses wanting managed bookkeeping combined with easy access to business financing options | Small businesses with under 100 employees looking for simple, affordable full-service payroll |
| Our Pick | — | 🏆 Recommended |
Lendio Bookkeeping Features
- ✓Small business loans
- ✓bookkeeping
- ✓cash flow management
- ✓financial reporting
- ✓bank reconciliation
SurePayroll Features
- ✓Full-service payroll processing
- ✓automatic tax filing
- ✓direct deposit
- ✓employee self-service portal
- ✓new hire reporting
- ✓workers compensation integration
- ✓mobile app
Pricing Comparison
Best Use Cases
SurePayroll
- →Small US businesses running payroll for a handful of employees
- →Self-employed individuals paying themselves and contractors
- →Companies wanting simple automated payroll at low cost
Who Should NOT Use These Tools
SurePayroll is NOT ideal for:
- ✗Companies with international employees
- ✗Businesses needing full HR management
- ✗Large companies with complex payroll requirements
Integrations
SurePayroll
QuickBooks, Xero, AccountEdge, Sage
Our Take
Choose Lendio Bookkeeping if small us businesses wanting managed bookkeeping combined with easy access to business financing options. Choose SurePayroll if small businesses with under 100 employees looking for simple, affordable full-service payroll.
Best For
Small US businesses wanting managed bookkeeping combined with easy access to business financing options
Best For
Small businesses with under 100 employees looking for simple, affordable full-service payroll
Also Consider
If neither Lendio Bookkeeping nor SurePayroll is the right fit, Dext is worth evaluating.
Dext
Bookkeepers, accountants, and businesses with high receipt volumes wanting to eliminate manual data entry
From $15/mo
Frequently Asked Questions
What is the difference between Lendio Bookkeeping and SurePayroll?
Lendio Bookkeeping is best for small us businesses wanting managed bookkeeping combined with easy access to business financing options. SurePayroll is best for small businesses with under 100 employees looking for simple, affordable full-service payroll.
Which is better, Lendio Bookkeeping or SurePayroll?
Choose Lendio Bookkeeping if small us businesses wanting managed bookkeeping combined with easy access to business financing options. Choose SurePayroll if small businesses with under 100 employees looking for simple, affordable full-service payroll.
How much does Lendio Bookkeeping cost?
Visit Lendio Bookkeeping website for current pricing.
How much does SurePayroll cost?
SurePayroll starts at Custom pricing. Pricing model: Paid.
Who should use Lendio Bookkeeping?
Small US businesses wanting managed bookkeeping combined with easy access to business financing options
Who should use SurePayroll?
Small businesses with under 100 employees looking for simple, affordable full-service payroll