# Page 2 | Lendio Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Lendio the right Billing and Invoicing solution for you? Explore 211 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/154197/Sunrise/reviews --- Lendio 4.5 (211) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Page 2 - Reviews of Lendio ## Showing most helpful reviews Showing 26-50 of 211 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use VR Verified Reviewer Owner/Designer Marketing and Advertising Used the software for: Less than 6 months ### "Billy vs Freshbooks" March 19, 2019 4.0 Overall, I am using Billy because of the lifetime deal I have for it. It provides a substantial savings over the monthly cost for Freshbooks. However, without the features, workflow, and integrations that I have come to rely on for my business, I make up for the cost with my time (or a less efficient business). For the cost, I can't complain and even then, Billy really is a nice piece of software for managing quotes, invoicing, and payments. Pros I purchased a lifetime deal of Billy through AppSumo, which is really the only reason I am using it. Admittedly, my experience with Billy is colored by me being a longtime user of Freshbooks (which I was very happy with!), so perhaps I had a set of expectations coming into Billy. That being said, Billy is a nice software that gets the job done. They've recently implemented Paypal payments, which I couldn't believe was missing, but so glad it's here, as I have many clients who prefer to pay that way. It shows that they listen to feedback and are actively working on their roadmap. Another plus I appreciate is that you can collect signatures for quote approvals, which is nice. Cons However, the two pros mentioned above, Paypal and the quotes functionality, have a flip side. The downside to Paypal is that I can't offer the option on an invoice for clients to pay via Paypal or credit card, I can only offer one or the other -- which completely defeats the purpose! Ideally, I would offer clients as many options as possible, since I don't know in advance which way they would prefer to pay. So, in order to continue to offer payment via Stripe, I can't use the (much anticipated!) Paypal feature. For quotes, it's not immediately apparent in the UI when a quote has been accepted (you have to navigate to each one individually and open it, and even then, it's not glaringly obvious). When you have multiple open quotes, this is a waste of time to continually be checking in this way. There is an option to be notified via email when a quote is accepted, but for a while this wasn't working. I ended up missing a few quote acceptances. I have also run into some weird glitches when setting up payment options. Customer support was pretty slow to respond via email, and I had to follow up multiple times to get any sort of closure on my issue. The biggest con for me (and this is only because I am used to Freshbooks) is that there is no integrated timekeeping feature. I had to search high and low to find a cost-effective solution to track time against projects. Review Source VR Verified Reviewer Member Services Marketing and Advertising Used the software for: 6-12 months ### "Limited features, but excellent for those features" November 16, 2018 4.0 Prior to using Billy, I was using Freshbooks. Their prices skyrocketed recently, with no real improvement in features or other details which warranted the price hike. That's the reason I came to Billy, but then I was happy to see that something else was the happy result -- I get paid faster. Freshbooks invoices and the system for logging in, paying, viewing, printing, etc., must have been tedious for my clients, because the same clients getting Billy invoices, click and pay MUCH more rapidly, with FEW hiccups in the process. Simply put, with the same business, and the same clients, I get paid more often, more quickly, and with less administrative time. That's a huge win. Pros The ease of use, the simplicity of getting started, the clean and minimal look of the invoice templates. Cons There are not many bells and whistles, and that's what makes this program so simple and easy to use, but this also means some very useful features are absent -- features which are NOT complicated and should be the norm. For instance, there are two (2) features which are not overly complicated, and yet, would be very useful, if we had them: 1) Let us hyperlink a term, with a URL. I am invoicing for content, and need to reference a URL where this content can be reviewed. I must cut and paste the URL as plain text, and cannot hyperlink it to the URL. This is tedious and looks amaturish. 2) Let us have a text / narrative / summary field at the BOTTOM of the invoice, instead of the top. There is a "message box" at the top of the invoice template, which positions itself immediately under the client's address. This is great for a simple greeting or other short message, but what we really need is this same feature at the bottom of the invoice, also, as a summary, or to include a narrative of some kind that gives a bit more detail on the invoice charges, or confirms a special arrangement or a message between me and my client, which may be too long to put at the top, where it gets in the way of the most important information -- the invoice details / charges. Review Source TB Trevor B. Proprietor Internet Used the software for: 6-12 months ### "For someone who struggles to keep the books, Billy became my new best friend overnight." April 24, 2018 5.0 Joy beyond belief, My accounting and bookkeeping skills were causing me a nightmare, now, I actually sleep better knowing I'm on track, the product is awesome. Pros The Income and expense overview - I always know where my money is and isn't, Creating Invoices is almost too easy, just enter the details, generate a PDF (with your company logo on), and email to the customer, done and dusted. Bills, scan, upload, everything in date order, I always know whatI've had to pay out, and to which customer to deliver their final invoice. Top customers and Top vendors, AWESOME feature, s much information from these two tools can be streamlined, who is happiest with what I do, who do I need to check in with so I don't lose a client, cost per vendor, find a cheaper better way to save money, yet maintain the same level of service I've personally come to expect, always streamlining :) Seriously, this is the greatest app in my arsenal, don't believe me, TRY IT FOR YOURSELVES, Billy really does deserve a 10 star rating. Cons There are two things (one I know is happening), and one that would just be a cherry on the cake. The first is currently no way to link UK bank accounts, although I've been told that will appear hopefully Q2 this year, the only other feature I feel is needed, is a personal diary/journal & a personal calendar. I do a lot of meetings, it would be great to integrate new clients and their idea's from the initial meeting as part of the historical process and the calendar because it's always a useful tool to share information with to whoever is working with you. There the only things that for me would make Billy the ultimate app for anyone. Review Source Response from Lendio September 12, 2018 Hi Trevor, We just updated our bank technology and will likely support your UK bank. Please try to connect it again. -Billy RH Russ H. Owner Graphic Design Used the software for: 2+ years ### "Was good, then a huge bait and switch" September 23, 2022 2.0 DO NOT TRUST THIS COMPANY. The original app, Billy was great. I purchased a lifetime deal from Appsumo and everything ran pretty smoothly. When Lendio bought them out, they decided to not honor the lifetime deals and went for a despicable cash grab, forcing users to pay a monthly fee for the most basic functions. They don't care about users, and refuse to issue refunds. I ran a SAAS company and can tell you that it would cost them virtually NOTHING to continue to offer the features that Billy had, Lendio does not care about you as a customer - you are expendable and replaceable to them. DO NOT BUY THIS SOFTWARE. Pros The invoicing used to be great, with a stripe payment option and customizable templates. Then Lendio bought it and it went to crap. Cons Lendio is a horrible company, with horrible service. Not to be trusted with your financial needs. Review Source Art R. Business Growth and Smart Marketing Coach Mastermind Mentor Publishing Used the software for: 1-2 years ### "Easy to use Accounting Foundation, Impressive Road Map" November 24, 2018 5.0 Billy is a small business accounting lifesaver. I love how Billy saves me time in day-to-day operations and keeps me compliant with my books. My accountant even loves Billy (and she used to recommend that "books" software). Thank you Billy! Pros For the first time in 20+ years accounting is not a frustrating and overly expensive task. Billy has provided my companies a easy to use and nearly complete solution that does not cost a fortune or hold me hostage. Using Billy has saved me countless hours each month for the past 18 months. It's streamlined and logical workflows, dead simple invoicing, and reasonable fees make Billy a real winner for small business. Cons The only gotcha with Billy is their integration with PayPal accounts is not as clean as it could be. The company is on the right track and should have this issue resolved shortly. The support team at Billy has been fantastically helpful and understanding. They not only know accounting, they know how to help people. Review Source BD Bridgette D. CFO Marketing and Advertising Used the software for: 2+ years ### "Overall a Great Product" May 21, 2020 4.0 Overall, this is a great product. With exception of the two items listed above, we have been very pleased with Sunrise. Pros Sunrise is extremely easy to set up and simplifies most accounting processes. We love how easy it is to upload receipts, even via mobile, and connect them to their relevant expense. Cons Still waiting for a recurring bills feature to be added. Like most companies, we have bills that must be paid on a monthly basis. As of yet, there is not a way to set up a recurring expense, so these same bills have to be input manually each month. Another, more recent downside is that the connection to one of my bank accounts stopped working 30 days ago which means I am unable to reconcile transactions without completing a manual download/upload. Thus far, we have been waiting for a reconciliation from Sunrise support for over 3 weeks and each time we've requested an update we are informed they are still trying to get the 3rd Party provider to assist on this. Review Source TK Tom K. CEO Internet Used the software for: 2+ years ### "Terrible bait and switch" March 7, 2022 1.0 The product used to be good, but now it's just full of annoying upsells and pushing Lendio's credit product at every chance. The UI has gotten more confusing over time, they really don't have the user experience in mind when developing the product. Pros The UI used to be good, but it's been going downhill recently. Cons What I like the least is the company that currently owns Sunrise and the way they have been treating early adopters... Lendio acquired an accounting product originally called Billy, and renamed it Sunrise. First, they kicked out all the users outside the US and Canada (despite them paying for a lifetime license). Over the past few months they have started forcing early adopters to pay monthly for a product they already purchased a lifetime license to. It would be fine to charge for new features, but they are forcing users to pay for already existing features (e.g. you can't modify your existing invoice templates without paying again, for example, nor sync transactions with PayPal, and more). I'm sure this is legal and all, but it's not a nice way to treat customers... 👎 Review Source Andres V. Entrepreneur Marketing and Advertising Used the software for: 2+ years ### "Great tool but needs some improvement " November 17, 2018 4.0 I definitely like the tool, but it needs some improvements in terms of giving more control over the numbers to the users. Delete, void, etc. Pros I loved it once they connected the banks integration. This makes it very easy to do a reconciliation with your bank. The interface is great, and the reporting works good too. Cons It should be more customizable and we should be able to remove "unreconciled entries". Currently the only way to remove those is by uploading a .csv file which make is very time consuming to get everything up to date. Also we should be able to break a payment into different customers. For instance, I import payments from Stripe, but I have to attribute all the payments to the same person because of Billy limitations. Review Source Leonardo W. Founder Internet Used the software for: 2+ years ### "Easy to use Bookkeeping tool" July 16, 2019 5.0 Pros This tool was previously called Billy, but since Lendio bought it they changed the name to Sunrise. Not just the name changed, customer support improved a lot and the tool have more options. It's worth nothing that this tool will only working for people that are US-based. The double entry booking is the same used by Quickbooks and software like it. It's possible to attach receipts, invoice customers and charge them using Stripe, Square, PayPal and other payment gateways. It's a very powerful app, yet, simple Cons It would be nice to see recurring payments, a set and forget to charge customers that are on subscriptions. Support told me they will add it soon! Review Source Greg Y. Owner Legal Services Used the software for: 2+ years ### "Great Booking Software With Service" June 3, 2020 5.0 Ease of use. Always on top of revenue and expenses. Pros Bookkeeping is not a sexy task, but Sunrise makes it bearable. And, the results are impressive. Cons Getting up to speed on the learning curve could be a little better. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Better solution. Review Source Response from Lendio June 5, 2020 You couldn't have said it any better, Greg. There are probably a million other things you'd like to do. But, bookkeeping is a necessary evil. We are so happy you find it user-friendly and accomplishes what you set out to do. We try to make is pleasant as possible. Thank you for your glowing review. MR Matthew R. Owner Marketing and Advertising Used the software for: Less than 6 months ### "Customer service was terrible. Very frustrating. Tried hard to make it work for several days " June 14, 2017 1.0 Pros Looks pretty. Wish I could have used it. Looks amazing from the surface. Customer support was terrible. Cons I don't know WHEN I have more frustrated with a companies 'service'. VERY frustrated. I was excited about this deal and jumped right on it. I tried syncing with my Cap One Spark business account (from my phone) and it didn't work so I emailed asking if this really wasn't an option. I got a list of 9501 banks emailed to me NOT in alphabetical order. What am I supposed to do with that? I tried the chat option and explained when I added my cap one account it pulled in my PERSONAL banking details and not my business accounts which made no sense. They told me to talk to cap one, which I did. Then I tried adding my business account info again and it kept reverting back to my previously synched personal accounts. Frustrating. So I went ahead and added my personal bill account and then deleting it and hoping that would work. Nope. I tried calling over and over and it was always busy. They take forever to respond on chat and were not helpful at all. I finally got ahold of them and they said they dont have phone support. Free support Email: support@billyapp.com Phone: (800) 241-7365 Help center: www.billyapp.com/support That's right on the dashboard when new users sign in. I get ahold of them via chat and Joshua suggesting 'bombing' the account and starting over which I did. He said 24 hours later I could try again and hopefully it would work that time. Even though nobody did anything to help it work the next time but maybe so. Here we are over 24 hours later and, of course, it pulls up my personal (not business) info. I give up. Incredibly frustrated by the terrible response, being sent a list of 10k sites to dig through, being given a number they DON'T answer, having chat and not being very available. Review Source Chris R. President Financial Services Used the software for: 1-2 years ### "Great Program! Simple & Easy to Use" May 5, 2020 5.0 It has helped me exponentially in balancing my books and keeping me on track. Pros I love how easy it is to use. As a former quickbooks user, I was tired of how complicated they were for smaller businesses and just didn't like the look of it overall. Using Sunrise is very simple and has everything I need as a small business owner. I love how it integrates and matches my expenses and payments with my bank account, credit card and invoices. Cons The only process I found difficult was when I have made a return of a product. Trying to reconcile that was not as simple as I feel it could be. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Ease of use and overall appearance Review Source Response from Lendio May 6, 2020 Wow, Chris, we appreciate you leaving such a glowing review. We aim to take the power of bookkeeping and put it in the hands of our customers in a simple and easy-to-use platform. Instead of hours trying to figure out your bookkeeping, we want to give you back that time, so you can focus on growing your business. Truly, we are lucky to have such wonderful customers like yourself. Thanks again for the feedback. Sunny T. Founder Marketing and Advertising Used the software for: 1-2 years ### "Easy to use, but unsure of it's future" February 21, 2019 4.0 Overall, I have enjoyed using Billy, especially when I was just starting my business. I have been trying out all the major competitors lately, and was surprised that most miss some of the multi-currency features Billy has (other than the exchange rate issue). I would consider continuing to use Billy, but I am concerned about its future development. It feels more like a 1-2 man show that is just trying to keep its head above water, as opposed to software that is going to get better over time. Pros \- Quick, easy to use interface - Really easy to match imported transactions, even with foreign currencies - Easily account for transfer fees, unlike other accounting software - Handles multi-currency well, other than one fairly significant thing (see con list) Cons \- exchange rate for foreign currency transactions is based on date of input, not date of transaction (this can be a big deal when reporting your taxes. Definitely let your accountant know) - having issues with a certain bank feed - can only have one live Paypal feed, meaning you can't associate different Paypal currencies with different accounts Review Source VR Verified Reviewer Principal Marketing and Advertising Used the software for: 1-2 years ### "Super simple quoting and invoicing" March 13, 2019 5.0 Pros I've used a few different billing software platforms, and I actually quite like Billy. At first I thought it was a little bit too basic, but I soon realized that I don't need it to do anything complicated, and the simplicity is actually a nice change. I bought a lifetime deal on the software when it first came out, I don't think that's still available, but I like the fact that there is no monthly fee (at least for me). Cons There are a couple of things that I don't like much. The first is that I'd like to be able to present my invoice and bills on my own domain, instead of a having a customer click on billyapp.com. The second is that I'm unsure of the delivery rate for invoices and quotes that are emailed from the Billy platform. I've had a number of clients say they never got a quote or invoice from me, so I usually download a copy and send directly from my own email. It could just be user error, so take that with a grain of salt. Review Source TTS Thet Thet S. Freelancer Computer Software Used the software for: 2+ years ### "Perfect software and make your life easy!" August 25, 2021 5.0 It's just perfect software and like I said, it's making our life's easier which means I can finish my work quicker and saving my time. Pros I mainly use this software in hospital settings. I have been familiar with this software since my previous job. Then, I moved to this new job where they were not using this when I joined them. So I know how this was different and how this is useful in day to day basic. Literally they are making your life easier ..it kind of like the platform you can access all at one stop rather than opening multiple browsers to get them. Cons As I'm mainly used for seeing patient records, enter the data, there are only a few template available right now. It'd be better if you add more template for different settings. Review Source James E. Marketing Director Marketing and Advertising Used the software for: 1-2 years ### "An Amazing Alternative to Other Accounting Programs" September 11, 2018 5.0 I have really simplified my workflow using Billy. It's been a great tool to use to set up recurring invoices for some of my clients. Pros What I like the most about Billy is the ease of use. It's simple to get started and get your bank accounts set up and create invoices, quotes, etc. Cons What I like the least about this software is that I have two businesses that I use Billy with and because it's cloud based I have to log into two differnt accounts, one with chrome and the other with firefox. It makes it complicated if you have more than one business as you will need different log-ins and subscriptions. It would be awesome if they could expand it to contain multiple businesses with the ability to simply click on the business name and change to another business. Review Source Response from Lendio September 12, 2018 Hi James, You can actually have one account with multiple organizations. With that setup, you can have one login for all of your orgs. Please contact our support to help you set that up. Gary O. Growth Marketer Used the software for: 6-12 months ### "Has excellent potential but still has some way to go!" April 5, 2018 5.0 It makes complex accounting simple. Pros Billy provides a simple solution for accounting that is specifically designed for freelancers and agencies. It has a great user interface and is very easy to use. It is solid and I have never had a problem with. Cons The fact that key features have taken so long to evolve. I am talking about no PayPal integration and the fact that bank syncing has only just arrived in my country. The most annoying thing is that whilst key features are lagging behind the team are investing users money in having season Billy logos designed, which quite frankly is ridiculous. Their community management needs work as well. Review Source Response from Lendio September 12, 2018 Hi Gary, You didn't like our pumpkin head Billy face :( Edward C. Design & Production Officer Higher Education Used the software for: 1-2 years ### "Billing Clients made Simple and Easy" July 3, 2018 5.0 I just love Billy. The name is great. The interface design is great. And it is easy to generate and track invoices. Pros Billy has such a memorable name yes, it is for billing. I love the ease of creating invoices and Billy does the hard job of accounting and tracking. Plus, Cons New features are rolling out too slow. Perhaps, I live in a place where there is no sale tax. However, the invoices created by Billy must include a lot stating Tax = 0 dollar in the past which just was got rid of lately. Review Source VR Verified Reviewer Director Of Technology Information Technology and Services Used the software for: 2+ years ### "Better than quickbooks, but still not the best" November 20, 2018 4.0 I've used quickbooks, freshbooks, xero. Billyapp does fill in the gap, but some extra features (mentioned in the cons) will make it #1 Pros Simple and fully functional accounting & billing system that has multi-currency invoicing Cons Doesn't have recurring expenses, unable to generate customer statements, unable to apply a discount % or amount in an invoice. Website is not mobile responsive. app name "billyapp" sounds 'Naff', when i tell clients to check their email for our invoicing system sent from "billapp"... Could I use my own custom domain or you use another domain to send emails? Review Source Response from Lendio November 23, 2018 You are able to create customer statements and apply discounts to invoices. Please contact our support for help. Jan B. Wordsmith \* Book designer \* Web manager Writing and Editing Used the software for: 1-2 years ### "Easy to use and reliable" November 16, 2018 5.0 I'm a solo freelancer who does all my own billing. I'm happy to have such a simple solution because it saves me time and headaches. Pros I've been using Billy for more than a year now. It's very easy to use and reliable. It meshes seamlessly with Stripe (and other payment processors, but I don't use them). When I've had occasion to contact customer service (once or twice), they've been quick to answer my question. Note: There are online accounting features to the software that I don't use, because I prefer to use my own spreadsheets. Nothing against Billy, but I choose not to use them. Cons I'm really reaching here, but it can be difficult to find where to go to change the wording of their default emails. I've had to drop a note in the customer service chat to be reminded how to do that. And the answer came back quickly. Review Source VR Verified Reviewer Owner Internet Used the software for: 1-2 years ### "Accounting for Non-Accountants" November 20, 2018 5.0 This helps me be more efficient and keep track of my accounts a bit better. I am still not utilizing all the features correctly or to their fullest but have hopes to get there. The key thing for me was being able to get up and going quickly and if not using all the features to at least have them more complex and dual entry accounting options available Pros I bought Billy because I needed an affordable, easy to use system for my Freelance business. This was easy enough for me to set up, includes room for me to grow with it's extended features and is something I can hand over to an accountant when I am ready. I love that I can collect payment from the invoice and take many forms of payment Cons I just an not a numbers accounting person and really dislike this stuff so I procrastinated on set up items that will help me and iddn't utilize help docs as much as I shoulda Review Source Daniela U. Freelance Writer Writing and Editing Used the software for: 1-2 years ### "Intuitive, easy to use accounting software for your small business" February 12, 2019 5.0 I use Billy for sending invoices to my freelance writing clients. It's an easy to use platform and meets all of my invoicing needs. It also allows you to bill with credit cards and Paypal, which my clients love. Pros Billy is my go-to program for creating invoices for my clients in my freelance writing business. It's easy to create a template, add products, and even send recurring invoices. You can also accept credit card and Paypal payments right from your invoices. Cons The email that is autogenerated by the software needs improvement. The subject line it creates is the invoice number, which isn't very meaningful to the customer. It also addresses the email to the name of the business instead of the name of the contact. I have to go in and change it every time I send an email. Review Source KC Kristina C. Business Owner Transportation/Trucking/Railroad Used the software for: 2+ years ### "Awesome Software" April 28, 2020 4.0 For the most part, they have always been very accommodating and respond quickly. Pros It’s easy to use, allowing the use of many features or just a few without affecting the overall end result. Cons There was a change recently made where now you can’t approve an invoice without sending it to the customer first. Reason for choosing Lendio User friendliness and support team was better. Review Source Response from Lendio May 15, 2020 We are thrilled you had a pleasant experience with Sunrise, Kristina. You should not be jumping over hurdles when it comes to bookkeeping. We strive to simplify bookkeeping and will continue to improve our product for our small business owners. Thank you for the glowing review. VR Verified Reviewer Brand Designer | UI, UX & Visual Designer Design Used the software for: 1-2 years ### "Simple and fast accounting for US and Canadian residents" May 28, 2019 3.0 I had a good experience using Billy during that one and half years while I used it. After that I was forced to quit using it, which was quite a shame, because I liked it. As I already mentioned, they no longer support users outside of the US and Canada. Pros Really fast interface, modern UI, streamlined functionality. These are all connected and that's the most appealing thing about Billy, it's really blazing fast and it has all the basics you need for bookkeeping and creating invoices. Cons A couple of months ago I would have say that everything is fine. I really liked the software. Now they decided to sell the company and the new owners do not support residents outside of US and Canada. So my story stopped here with Billy. If this does not apply to you, try it, use it. It's a really simple app that just works. Review Source VR Verified Reviewer International Business Officer Civil Engineering Used the software for: 2+ years ### "I really like it but,," May 27, 2019 4.0 Pros One of the most wonderful intuitive accounting software in the world, very good and great features especially for tracking​ invoices and payments. However, they suddenly​ stopped supporting the worldwide​ customer and just accept the north Ameria countries, even they asked their current customers from the other countries to stop their subscription​ and to move to another company!! Cons They have an App for registering the expenses from bill and invoices directly from your phone, very useful​ especially when using the camera from the App to confirm the bills. Review Source Similar Products Featured ## Related categories [Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)[Commercial Loan](https://www.capterra.com/commercial-loan-software/)[Accounting](https://www.capterra.com/accounting-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.