Patriot Payroll vs Lendio Bookkeeping
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
Patriot Payroll
Patriot Payroll is one of the most affordable full-service payroll solutions for small businesses. It offers basic payroll and full-service payroll tiers, with the full-service option handling all federal, state, and local tax filings. Patriot is popular with very small businesses and solo operators who want simple, reliable payroll without complex features.
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.
Pros
- ✓One of the most affordable payroll solutions available
- ✓Simple and easy to use with minimal learning curve
- ✓US-based customer support available by phone
- ✓Free trial available before committing
Cons
- ✗Limited features compared to full HR platforms
- ✗No mobile app for running payroll
- ✗Benefits administration not included
- ✗Less suitable for businesses with complex payroll needs
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
Patriot Payroll vs Lendio Bookkeeping: Side by Side
| Factor | Patriot Payroll | Lendio Bookkeeping |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Payroll Software | Accounting Software |
| Pricing Model | Paid | Paid |
| Starting Price | $17/mo + $4/person | Contact for pricing |
| Best For | Very small businesses and solo operators wanting the most affordable payroll solution | Small US businesses wanting managed bookkeeping combined with easy access to business financing options |
| Our Pick | — | — |
Patriot Payroll Features
- ✓Payroll processing
- ✓tax filing options
- ✓direct deposit
- ✓employee self-service portal
- ✓time and attendance add-on
- ✓HR software add-on
- ✓contractor payments
Lendio Bookkeeping Features
- ✓Small business loans
- ✓bookkeeping
- ✓cash flow management
- ✓financial reporting
- ✓bank reconciliation
Pricing Comparison
Our Take
Choose Patriot Payroll if very small businesses and solo operators wanting the most affordable payroll solution. Choose Lendio Bookkeeping if small us businesses wanting managed bookkeeping combined with easy access to business financing options.
Best For
Very small businesses and solo operators wanting the most affordable payroll solution
Best For
Small US businesses wanting managed bookkeeping combined with easy access to business financing options
Also Consider
If neither Patriot Payroll nor Lendio Bookkeeping is the right fit, Multiplier is worth evaluating.
Multiplier
Startups and SMBs hiring internationally on a budget
From $40/contractor/mo
Frequently Asked Questions
What is the difference between Patriot Payroll and Lendio Bookkeeping?
Patriot Payroll is best for very small businesses and solo operators wanting the most affordable payroll solution. Lendio Bookkeeping is best for small us businesses wanting managed bookkeeping combined with easy access to business financing options.
Which is better, Patriot Payroll or Lendio Bookkeeping?
Choose Patriot Payroll if very small businesses and solo operators wanting the most affordable payroll solution. Choose Lendio Bookkeeping if small us businesses wanting managed bookkeeping combined with easy access to business financing options.
How much does Patriot Payroll cost?
Patriot Payroll starts at $17/mo + $4/person. Pricing model: Paid.
How much does Lendio Bookkeeping cost?
Visit Lendio Bookkeeping website for current pricing.
Who should use Patriot Payroll?
Very small businesses and solo operators wanting the most affordable payroll solution
Who should use Lendio Bookkeeping?
Small US businesses wanting managed bookkeeping combined with easy access to business financing options