500K-5M-100 M BLOC BEST BIZ FUNDING NO BS RE 100LTV
$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ NO BS ZONE We CAN PROVE We Been Here Longest Others Lie About Years & Just Made Their New Con Ad & Site Last Week!
$ $ $ Closed Over 1 B Last Yr & Can Prove It Just Ask!
$ $ $ 5% F.I.V.E % O.N.L.Y SUCCESS F.E.E
$ $ $ BEST BUSINESS LENDER THEIR IS... No 1 Can Out Fund Us Ask For Proof!
$ $ $ 3 HOUR FUNDING!
$ $ $ APPROVAL IN 3 MINUTES!
$ $ $ MAX BUSINESS LOANS & BUSINESS LINES OF CREDIT 500K, 1M, 2M, 5M- 1B RE!
$ $ $ STATED INCOME, START UP, UNSECURED
$ $ $ SOME: APR 3%, TERMS 20YRS, NO COLLATERAL
$ $ $ PERSONAL LINES OF CREDIT & LOANS 100K - 500K IN DAYS!
$ $ $ NO CC CRAP
$ $ $ 680 FICO
$ $ $ CORPORATE CREDIT, BUILD, FUNDING 2M PAY AFTER!
$ $ $ BUSINESS TRADELINES NOT STOLEN CORP GARBAGE!
$ $ $ BEST CREDIT REPAIR IN NATION & CAN PROVE IT!
$ $ $ WE FUND FIRST, NO UNICORN BS ZONE!
$ $ $ NOPG is BS don't buy that lie!
$ $ $ WE MAKE MILLIONAIRES & CAN PROVE IT!
$ $ $ OTHERS HIDE MORE WE DELIVER MORE NO BS!
$ $ $ CALL US TODAY 312 - 473 - 4163
$ $ $ Closed Over 1 B Last Yr & Can Prove It Just Ask!
$ $ $ 5% F.I.V.E % O.N.L.Y SUCCESS F.E.E
$ $ $ BEST BUSINESS LENDER THEIR IS... No 1 Can Out Fund Us Ask For Proof!
$ $ $ 3 HOUR FUNDING!
$ $ $ APPROVAL IN 3 MINUTES!
$ $ $ MAX BUSINESS LOANS & BUSINESS LINES OF CREDIT 500K, 1M, 2M, 5M- 1B RE!
$ $ $ STATED INCOME, START UP, UNSECURED
$ $ $ SOME: APR 3%, TERMS 20YRS, NO COLLATERAL
$ $ $ PERSONAL LINES OF CREDIT & LOANS 100K - 500K IN DAYS!
$ $ $ NO CC CRAP
$ $ $ 680 FICO
$ $ $ CORPORATE CREDIT, BUILD, FUNDING 2M PAY AFTER!
$ $ $ BUSINESS TRADELINES NOT STOLEN CORP GARBAGE!
$ $ $ BEST CREDIT REPAIR IN NATION & CAN PROVE IT!
$ $ $ WE FUND FIRST, NO UNICORN BS ZONE!
$ $ $ NOPG is BS don't buy that lie!
$ $ $ WE MAKE MILLIONAIRES & CAN PROVE IT!
$ $ $ OTHERS HIDE MORE WE DELIVER MORE NO BS!
$ $ $ CALL US TODAY 312 - 473 - 4163
Best Overall Business Funding
Best Lines of Credit: Kabbage
Best Startup Loans: Accion
Best Merchant Cash Advances: RapidAdvance
Best Bad Credit Loans: OnDeck
Best Equipment Loans: Crest Capital
Our Methodology
- Application and approval process
- What it takes to qualify
- How long it takes to get a loan
- Loan amounts
- Loan terms
- Repayment process
- Customer service
- Better Business Bureau ratings and complaints
Capify – Capify is an alternative finance provider that leverages a proprietary underwriting platform to provide working capital solutions to small and midsize businesses. These loans include merchant cash advances, business loans and inventory purchase programs. Business owners can apply online and will receive decisions in 60 seconds or less. capify.com
Capital Alliance – Capital Alliance provides loans to small businesses that have been in business for at least a year and have annual revenues over $100,000, regardless of their credit history. Loans are available up to $1 million, with terms typically ranging from six to 12 months. Businesses can apply for loans online, receiving a decision within 24 hours. capitalalliance.com
CapitalFront – CapitalFront offers a wide array of financial products – including merchant cash advances, receivable financing, factoring, SBA lending and fixed-rate term solutions – to independent business owners nationwide. Funding amounts and terms vary by loan. capitalfront.com
Citi Wide Merchant Funding – Citi Wide Merchant Funding provides small businesses with access to working capital. Funding options include small business loans, merchant cash advances, equipment financing, accounts receivable financing and startup restaurant financing. citiwidemerchantfunding.com
Connect2Capital – Connect2Capital is a nonprofit lender for small businesses. It offers small business loans of $50,000 to $4 million for permanent working capital, owner-occupied commercial real estate and leasehold improvements, business equipment, and refinancing existing debt. connect2capital.com
Corporate Business Lending – Corporate Business Lending specializes in working with business owners who have less-than-perfect credit. The lender, which has a quick application process, works with both startup and established businesses. corporatebusinesslending.com
Credibility Capital – Credibility Capital is a marketplace lender focused on prime-credit small business borrowers. Its platform matches businesses with institutional investors to fund loans ranging from $10,000 to $150,000. The Credibility Capital Risk Score incorporates a range of data to arrive at a recommendation for a particular interest rate. The lender's borrowers are small businesses seeking capital primarily for business expansion and inventory financing. credibilitycapital.com
Credibly – Credibly offers working capital and expansion loans of $5,000 to $250,000 to small and midsize businesses. Working capital loans have repayment periods of six to 17 months, while expansion loans have 18- to 24-month terms. Both include one-time 2.5 percent fees. There are no application fees, and if your application is approved, you can typically expect funds within 48 hours. credibly.com
Credit Card Processing Specialists – Credit Card Processing Specialists offers merchant cash advances to small businesses. Its services for merchant cash advance work by providing funds upfront, taking repayment when businesses process credit card payments. creditcardprocessingspecialists.com
*Crest Capital – Crest Capital is a national lender specializing in providing small and midsize businesses with no-hassle equipment financing and leasing. Crest offers a broad array of equipment, vehicle, furniture, and software lease and loan agreements at fixed rates that won't go up with inflation. Crest also provides real quotes instantly with its free monthly payment calculator. crestcapital.com. Read our full review here.
David Allen Capital – David Allen Capital offers business term loans of $10,000 to $500,000. Approvals are made within one day, with funds available as soon as two business days later. To qualify, you must have been in business for at least a year and have a personal credit score over 500 and annual revenue of more than $100,000. Repayment is made on a daily or weekly basis, with funds automatically withdrawn from your business bank account. davidallencapital.com
Dealstruck – Dealstruck provides a variety of small business funding options, including business term loans, revenue-secured term loans and asset-based lines of credit. The company offers loans of $50,000 to $250,000. To get a loan, businesses must be profitable, with annual sales of at least $250,000, and have more than one year of operating history. dealstruck.com
Direct Capital – Direct Capital is a financial technology company that delivers financial solutions for small and midsize businesses, franchisers, and equipment and technology sellers. The company specializes in equipment financing, working capital loans and franchise financing. Direct Capital offers equipment financing and working capital loans of up to $150,000, and franchise financing of up to $250,000. Term lengths range from 30 days to 84 months. directcapital.com
Everest Merchant Services – Everest Merchant Services provides small businesses with merchant cash advances. Its four-dimensional underwriting and approval process focuses on future credit card transactions and receivables revenue as a repayment method. This system allows the lender to quickly estimate and assess its return probability using all the dimensions of a business and not just a credit score. Repayment is based upon future swiped Visa and MasterCard credit card transactions. ems-merchants.com
Excelsior Growth Fund – Excelsior Growth Fund is a nonprofit alternative lender offering an affordable online loan product. Loans of up to $100,000 can be approved in as little as two business days and fully funded in as little as five business days. Larger loans up to $500,000 can be funded in approximately two weeks. Businesses can also opt to receive free advisory services and one-on-one support from its team of business advisors. excelsiorgrowthfund.org
Fastpoint – Fastpoint is a merchant cash advance provider. It buys a portion of a business's future credit and debit card transactions at a discounted rate. The advance is repaid with a fixed percentage of the business's daily transactions. Only businesses with a credit card processing account may apply for a cash advance through Fastpoint. fastpoint.com
FastUpFront – FastUpFront provides completely unsecured business cash advances of up to $250,000. All businesses that accept credit cards are eligible for a cash advance from FastUpFront. The cash advances are based on future sales, not credit scores. fastupfront.com
Flash Advance – Flash Advance is a provider of merchant cash advances to businesses around the country. Businesses can apply online and be approved within one hour. In addition to the cash advances, the lender offers SBA bridge loans, small business loans and equipment financing. flashadvance.com
First American Merchant – First American Merchant offers merchant cash advances, cash advances for businesses that don't have a merchant account, and consumer financing that can be repaid in three, six or 12 months. The lender approves advances to businesses that have credit scores below 500 and makes funds available to borrowers within 72 hours. firstamericanmerchant.com
First Working Capital Group – First Working Capital Group specializes in small business funding. The lender offers a variety of loan types, including ongoing lines of credit, merchant cash advances, equipment leasing and franchise financing. First Working Capital Group provides loans regardless of credit history. Instead, this lender gives considerable weight to how long businesses have been open when determining the amount of funds to provide. firstworkingcapital.com
Fora Financial – Fora Financial provides flexible working capital solutions to small businesses in need of financing. The lender offers both small business loans and merchant cash advances. Fora Financial serves a variety of industries, including manufacturing, medical, retail, wholesale, transportation, restaurants, construction and auto. The lender makes funds available within 24 hours of approval. forafinancial.com
ForwardLine – A nationwide supplier of financing to small businesses, ForwardLine uses technology and nontraditional credit algorithms to finance 98 percent of the U.S. businesses that banks consider too small and too risky for a business loan. ForwardLine offers both small business loans and merchant cash advances. forwardline.com
Fountainhead Commercial Capital – Fountainhead Commercial Capital is a lender of Small Business Administration (SBA) 504 loans. The loans offer long-term, below-market, fixed interest rates for owners of small and midsize businesses to purchase and/or construct their owner-occupied commercial real estate. To qualify, you must be a for-profit, non-publicly traded company with a net worth of under $15 million and a net business income of less than $5 million over the previous two years, and ownership must be 51 percent U.S. citizens or legal permanent residents. fountainhead504.com
*Fundation – Fundation is a direct lender that delivers small-balance commercial loans. Loans are available with one- to four-year repayment periods. Long-term loans are designed for borrowers looking to make large investments in their business, and shorter-term loans are designed to help business owners with everyday operating costs. Both types of loans have fixed interest rates starting at 7.99 percent. fundation.com. Read our full review .
Fundbox – Fundbox offers business owners a way to fix their cash flow by advancing payments for their outstanding invoices. There are no approval processes, forms to fill out, phone calls to make or obligations. Businesses connect their accounting app to add their unpaid invoices, and pick the unpaid invoices they want to clear. An advance for the amount automatically transfers to the business's bank account. fundbox.com
Fundera – Fundera gives small businesses access to multiple loan offers through one application. It does not loan money directly to small businesses, but rather connects small businesses with different financing options. The types of loans the company helps set up for small businesses include small business loans of up to $1 million, merchant cash advances, equipment loans, factoring, 401(k) rollover funding and lines of credit. fundera.com
Funding Circle – Funding Circle uses its technology to match accredited and institutional investors with small businesses looking for financing. You can apply for a loan online in just 10 minutes, and get the money in your bank account within 14 days. All of the loans are secured and require a lien on your business assets and a personal guarantee from the primary business owners. fundingcircle.com
Fundivo – Fundivo is not a direct lender. It uses its algorithm to find and match a borrower with the best provider for a small business loan. Fundivo then negotiates with lenders to get borrowers the best deal available. fundivo.com
Fundomate – Fundomate offers a platform that allows small businesses to choose financing options from up to 20 different preapproved lenders. It has small business loan and cash advance options. To qualify, businesses need to have been in operation for at least three months and have at least $10,000 a month in deposits. fundomate.com
GoKapital – GoKapital helps entrepreneurs obtain business loans nationwide. With GoKapital, you can apply for a number of business lending options, including SBA loans, short-term loans, lines of credit, merchant cash advances, equipment financing, franchise loans, business acquisitions loans, and loans for minorities and women. Businesses can instantly prequalify for a loan by filling out an online application. gokapital.com
Grameen America – Grameen America is a not-for-profit microfinance organization that provides small loans to women. Since being founded in 2008, Grameen America has expanded to 18 branches in 11 cities and disbursed nearly $340 million to more than 58,000 women. Grameen America can invest in women who have no credit scores or business plans and can provide no collateral. Loans range from $1,500 to $10,000. grameenamerica.org
Gud Capital – Gud Capital is not a direct lender. It works with small businesses to find the best loan options among its network of 4,000 lenders, which include traditional banks, SBA lenders, community banks and institutional investors, along with a range of alternative business and commercial lenders. Types of loans include asset-based financing, lines of credit, alternative loans, equipment financing, bridge loans, factoring, term loans, merchant cash advances, SBA loans, working capital, commercial real estate loans, and debt refinance and consolidation. gudcapital.com
Headway Capital – Headway Capital offers small businesses lines of credit ranging from $5,000 to $30,000. Once approved, businesses can borrow as much money as needed, whenever it's needed, up to the available credit limit. With each draw, a business can select the repayment schedule that best suits its needs. To be eligible to apply, your business must have been in operation for at least one year and be located in Florida, Illinois, Missouri, North Carolina, Pennsylvania, Virginia, Washington or Wisconsin. headwaycapital.com
Horizon Business Funding – Horizon Business Funding is a direct funder specializing in alternatives to small business loans, regardless of bad credit. This lender offers bad-credit business loan alternatives to businesses in any industry, provided the business has been operating for at least two to three months and has a monthly cash flow of $15,000. Horizon Business Funding provides loans of $1,000 to $1,000,000. horizonbusinessfunding.com
IMM Financial – IMM Financial is primarily a cash-flow lender with loans between $5,000 and $1 million, depending on the type of funding required. The company offers a variety of loan types, including accounts receivable factoring, lines of credit, purchase-order financing, equipment financing, asset-based lending, and mergers and acquisition financing. Businesses with bad or no credit are not necessarily denied. Loans are available as secured and unsecured and in several countries besides the United States. immfinancial.com
Infinity Capital Funding – Infinity Capital Funding is a direct funder, providing merchant cash advances, small business loans, and other working capital solutions to small and midsize businesses throughout the United States. The lender approves loans within 24 hours and provides funding within days. infinitycapitalonline.com
Innovative Lease Services – Innovative Lease Services offers commercial financing to small and midsize businesses throughout the U.S. and Canada. The lender specializes in custom tailored finance programs to fit each business's needs. Specific funding options include equipment financing, working capital loans, inventory financing, merchant cash advances and invoice factoring. ilslease.com
IOU Financial – IOU Financial provides loans of up to $150,000 to small businesses. The automated application and approval system assesses applicants' financial realities, with an emphasis on day-to-day cash flow. To qualify, businesses must have been in operation for at least a year, make at least 10 deposits into a business bank account each month, and have annual revenue of at least $100,000 and an average ending balance of $3,000 per day in their business bank accounts. ioufinancial.com
Jet Capital – Jet Capital offers merchant advances from $2,500 to $100,000, depending on revenue and other factors, to businesses that have been operating for three months or longer and have average monthly revenue of $5,000 or more. The online application process allows for initial decisions in just minutes. Businesses approved for advances can access the funds as soon as the next business day. Jet Capital bases its decisions on a business's overall track record, not just the owner's credit score. jetcapital.com
*Kabbage – Kabbage is a provider of lines of credit to small businesses. The lender uses data generated by dozens of business operations to understand performance and deliver fast, flexible funding in real time. Kabbage can support any small business by analyzing various data sources that you use every day to run your business. kabbage.com. Read our full review
Kalamata Capital – Kalamata Capital is a data-driven, alternative finance company focused on small businesses. The lender offers a wide range of loan types, including working capital loans, business expansion and acquisition loans, SBA loans, lines of credit, equipment financing, inventory financing, accounts receivable factoring, and merchant cash advances. Using automated data aggregation and electronic payment technology, Kalamata Capital can make credit decisions in as little as 24 hours. kalamatacapital.com
Key Equipment Finance – Through approximately 400 financing professionals nationwide, Key Equipment Finance delivers a wide array of business-to-business equipment financing to organizations of many sizes and types, focusing on four distinct markets: businesses of all sizes in the U.S.; equipment manufacturers, distributors and value-added resellers; federal, provincial, state and local governments, as well as other public sector organizations; and lease advisory and syndications support for corporations looking to optimize risk and revenue. keyequipmentfinance.com
Keystone Equipment Leasing and Finance – Keystone Equipment Leasing and Finance offers equipment leasing and financing to established businesses (two years plus), and its application procedure usually requires no financial statements or tax returns for equipment up to $100,000. Medical practices are encouraged to apply, even as startups. keystoneleasing.com
Kiva – Kiva is a nonprofit that provides entrepreneurs with access to capital through person-to-person lending. Small businesses have the opportunity to raise up to $10,000 in capital with no interest or fees. Through Kiva, anyone who wants to support small business growth and local job creation can choose to lend $5 or more to a small business of their choice. kiva.org/borrow
LeaseQ – LeaseQ offers instant quotes on a free, cloud-based SaaS platform for borrowers looking to finance equipment. The company specializes in deals under $250,000, and it partners with equipment dealers and leasing companies across a variety of industry segments. With LeaseQ, you can compare and prioritize lease quotes by monthly payment or total amount and see all related fees. leaseq.com
Lending Club – Lending Club offers loans to most types of businesses, including professional and personal services, retailers, contractors, health and wellness providers, automotive companies, wholesalers, manufacturers, and restaurants. Its loans can be used for a variety of purposes, including business expansion, inventory or equipment purchases, working capital, and refinancing. lendingclub.com
LendingTree – LendingTree connects consumers to lenders that compete for their business. LendingTree lenders offer an array of loan types, including business loans. The loan amount approved for a business is based on several key factors, such as how long the company has been in business, its annual revenue and its credit score. lendingtree.com
Lendio – Lendio is an online service that helps small businesses quickly find the right business loan. It makes business loans by matching qualified small business owners with active banks, credit unions and other lending sources. lendio.com
LendVantage – LendVantage offers business term loans of $5,000 to $25,000, revenue-based financing of up to $250,000, and merchant cash advances of up to $100,000. The lender also offers business lines of credit of $2,000 to $100,000. LendVantage does not require personal collateral and has funding available within days.
Lendza – Lendza connects businesses with funding partners for a variety of loan options, including accounts receivable financing, acquisition funding, lines of credit, real estate financing, equipment financing, franchise loans, merchant cash advances, SBA loans and traditional term business funding. Lendza helps businesses find loans of up to $350,000. Once it finds you a partner, Lendza guides you through the process of obtaining financing for your busine
Liberty Capital Group – Liberty Capital Group offers a wide variety of business funding programs, including conventional business loans, SBA loans, commercial real estate loans, equipment and machinery financing, lines of credit, asset-based financing, and low-credit financing. Applications can be completed in two minutes, with funding available for some loans as quickly as within 24 hours. libertycapitalgroup.com
LiftForward – LiftForward operates a marketplace loan platform that provides loans to small businesses of up to $1 million. Funds can be used for asset purchases, purchase-order financing, or working capital with terms ranging from three to 36 months. Utilizing technology and its proprietary LiftSCORE, LiftForward can quickly underwrite loans and get businesses the money they need in as little as 48 hours. Using an online calculator, you can quickly see what your payment might be for your loan amount and term. liftforward.com
LQD Business Finance – LQD Business Finance is a small business lending firm. Unlike traditional banks and other alternative lenders, LQD can approve a loan that is tailored to a client's needs, in just a matter of days. The lender uses custom technology to provide small businesses with quick, convenient and affordable business loans. LQD offers loans for expansion, acquisition and working capital, as well as accounts receivable financing. lqdfinance.com
Marlin Equipment Finance – Marlin Equipment Finance is a nationwide provider of commercial financing products and services focused on small and midsize businesses. Marlin is a direct lender, providing financing to businesses so they can acquire new equipment and technology while preserving capital. Its customers include equipment dealers, manufacturers, distributors, brokers and small businesses. marlinfinance.com
Mateo Capital Group – Mateo Capital Group is a commercial finance broker offering financing solutions to entrepreneurs seeking to grow or expand their businesses. The lender specializes in business loan financing for small and middle-market companies that have $150,000 to $100 million in sales. Loan products include alternative business loans, equipment financing, invoice factoring, commercial mortgages, SBA middle-market loans and insurance agency loans. mateocapitalgroup.com
Maverick Capital – Maverick Capital is a business funding provider that offers loans of up to $250,000 and merchant cash advances. This lender also offers the Hybrid Program, which combines traditional cash advances with microloans. With the Hybrid Program, you pay back the cash advance through a combination of a holdback percentage of your credit card sales and a weekly payment. maverickcapital.biz
Med One – Med One offers flexible financing solutions to small and middle-market companies looking to acquire the equipment to operate their business. The company offers customized leasing programs for both medical and commercial equipment. Med One partners with manufacturers, distributors and product resellers across a variety of industries. Some of its unique lease options are deferred payments, step-up payments, operating leases and capital leases. medonegroup.com
Merchant Advisors – Merchant Advisors offers an assortment of loan types, including small business loans, working capital loans, restaurant loans, bad-credit loans, cash advances, SBA loans, restaurant equipment leasing, lines of credit, franchise financing, 401(k) business funding and home-based business loans. onlinecheck.com
National Business Capital – National Business Capital provides a variety of business financing options, including equipment leasing and financing, small business loans, lines of credit, accounts receivable financing and funding, commercial mortgage financing, SBA loans, purchase-order financing, franchise financing, and doctor, medical and physician loans. nationalbusinesscapital.com
National Funding – National Funding offers small businesses a range of financial services and products, including working capital loans and merchant cash advances. The company's working capital loans for small businesses require no pledge of personal assets. nationalfunding.com
Newtek – Newtek offers full-service solutions with full end-to-end financing, including term loans, merchant cash advances and accounts receivable financing. The lender provides financing from $50,000 to $10 million. The money can be used for a variety of purposes, including to open a new location, acquire an existing business, launch a new product or marketing initiative, increase working capital, increase cash flow, refinance debt, and upgrade a website. thesba.com/loans
OCM Financial Group – OCM Financial Group provides capital equipment leasing to a wide range of businesses. It helps businesses finance or lease new equipment, as well as refinance existing equipment. This includes any type of capital equipment your business might use in manufacturing and retail applications. ocmlc.com
*OnDeck – OnDeck offers loans to small and midsize businesses. The company uses data aggregation and electronic payment technology to evaluate the financial health of businesses when deciding whether to approve a loan request. The company's proprietary credit models look deeper into the health of a business, focusing on overall business performance rather than the owner's personal credit history. ead our full review here.
Opportunity Fund – Opportunity Fund is a nonprofit small business lender that offers small business, micro, commercial vehicle and mobile food truck loans. The loans range from $2,500 to $250,000. Currently, this lender only provides loans in 13 states – California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Texas and Washington. opportunityfundloan.org
PayPal – PayPal offers working capital loans to small businesses that already process payments through PayPal. In most cases, the maximum loan amount is 8 percent of the sales a business has processed through PayPal in the past 12 months. The loan balance is repaid automatically as businesses make sales through PayPal. paypal.com
P2Binvestor – P2Binvestor (P2Bi) provides crowdsourced, asset-secured working capital of up to $10 million per borrower to U.S.-based growth companies. P2Bi's revolving lines of credit are secured by accounts receivable and/or inventory. Accredited investors participate in funding each line of credit and earn a return through P2Bi's proprietary investment platform. P2Bi.com
Prompt Advance Lending – Prompt Advance Lending offers business cash advances based on a business's average gross monthly revenue. The amount you qualify for depends on your average monthly credit card processing receipts, or your average monthly check and cash deposits. Prompt Advance requires no collateral or personal guarantee and has no prepayment penalty. promptadvance.com
Prosper – Prosper loans are not traditional small business loans; they are personal loans based on applicants' credit scores and are issued to individuals, not businesses. These loans are desirable in a variety of cases, such as when a business doesn't yet have a proven track record. Prosper loans are unsecured and don't require any collateral. prosper.com
QuarterSpot – QuarterSpot can deliver working capital into your account in as little as one business day. Applying is free and won't affect your credit score. In addition, this lender does not require personal guarantees or file a lien on collateral. To qualify, you must have been in business for one year, make at least $8,000 a month in sales and have a minimum personal credit score of 580. quarterspot.com
*RapidAdvance – RapidAdvance offers small businesses a variety of financing options, including loans, merchant cash advances, lines of credit and SBA bridge loans. Businesses can be approved for loans in 24 hours and receive funds within three days. RapidAdvance has provided more than $700 million in financing to thousands of small businesses. rapidadvance.com. Read our full review here.
Rapid Capital Funding – Rapid Capital Funding specializes in merchant cash advances for small and midsize businesses. It qualifies businesses for advances of $5,000 to $500,000. The exact amount depends on each business' sales and history. Unlike other financing options, Rapid Capital Funding does not require a plan for the money or that it be used for any specific purpose. rapidcapitalfunding.com
RedFynn – RedFynn offers a variety of credit card processing solutions, including business cash advances. Eligibility for cash advances is not determined by credit score alone; the lender also considers a business's current sales and length of time in operation. redfynn.com
Reliant Funding – Reliant Funding provides short-term financing to small businesses. The lender offers loans and merchant cash advances of $5,000 to $500,000. Reliant Funding also offers equipment financing. To be eligible for one of the lender's funding options, businesses must have at least $100,000 in annual revenue, have been operating for at least six months and have no open bankruptcies. reliantfunding.com
Santander – Santander offers a complete suite of borrowing solutions to help small business owners manage and expand their companies, including lines of credit, term loans, equipment leasing and commercial mortgage loans. Santander has an easy application process, makes decisions in a timely manner, and offers competitive terms and rates. santanderbank.com/us/business/borrowing/small-business-borrowing
Shield Funding – Shield Funding is an alternative lender specializing in bad-credit business loans. To be eligible, you must have been in business for at least four months, and have bank receipts or accept credit cards as a form of payment. A minimum of $5,000 per month in gross revenues is required for companies that accept credit cards, and approximately $20,000 a month in gross revenue is required for those that do not. Shield Funding provides business cash advances and unsecured business loans of up to $500,000 for a variety of purposes. shieldfunding.com
Silver Rock Funding – Silver Rock Funding is not a lender, but rather a broker to help businesses get the funding they need. After a business submits a completed application, a dedicated funding manager works with the business to identify a product that suits that company best. Silver Rock Funding then finds a lender in its network, usually within 24 hours of the application submission. The process is free, and there is no obligation to accept a loan. After a loan is accepted, funds are available within 72 hours. silverrockfunding.com
Small Business Loans Depot – Small Business Loans Depot offers an assortment of loan types, including bank statement loans, small business loans, working capital loans, equipment loans and equipment refinance loans. Loans are available for $5,000 to $150,000. The amount for which a business qualifies depends on business and personal credit, time in business, the amount of equipment owned, and gross sales. smallbusinessloansdepot.com
SmartBiz – SmartBiz offers SBA 7(a) commercial real estate loans and SBA working capital and debt refinancing loans of $30,000 to $5 million, with interest rates as low as 5.25 to 7.5 percent and repayment terms of 10 to 25 years. After completing the application, businesses can receive funds in as little as seven days. To increase borrowers' chances of being approved for a loan, SmartBiz has multiple SBA-preferred banks on its platform. smartbizloans.com
SnapCap – SnapCap is an alternative lender that specializes in unsecured business loans of $5,000 to $600,000 for general purposes, expansion, inventory or equipment. The lender offers a paperless application process and a 48-hour turnaround. There are no collateral or annual revenue requirements, and SnapCap places little emphasis on personal credit when determining whether to grant a loan. snapcap.com
South End Capital Corporation – South End Capital Corporation is a nationwide, nonconforming lender providing small-balance commercial real estate loans, bridge loans, business loans and merchant cash advance consolidation loans. It provides loans of $500,000 to $5 million. southendcapital.com
Square – Square offers small business funding to its customers who have active credit card processing accounts with Square. Square capital can be used to increase inventory, buy equipment or open a new location. Businesses make loan repayments to Square automatically as a fixed percentage of their daily card sales. You pay more when sales are strong and less if things slow down. squareup.com
Strategic Funding – Strategic Funding offers several different financing options, including revenue-based financing and small business loans of $10,000 to $1 million. The lender also offers equipment financing and factoring options. sfscapital.com
StreetShares – StreetShares exclusively focuses on short-term loans of $5,000 to $75,000. It connects small business owners with qualified retail and institutional investors, who then compete to fund portions of the requested loan. Business owners can apply in a few minutes and access their funds within a week. To qualify, you should have at least one year in business and $25,000 in revenue. streetshares.com
Sure Funding Solutions – Sure Funding Solutions is a small business financing company that offers loans of up to $500,000, business cash advances and accounts receivable financing. Sure Funding Solutions offers flexible payment options, no early or late payment penalties, no application fees, and 24-hour approvals. surefundingsolutions.com
Swift Capital – Swift Capital provides fast business funding, with amounts ranging from $5,000 to $500,000 and interest rates starting at 9.9 percent. Swift Capital streamlines the approval process and eliminates the paperwork. Funds can be deposited to your account in as little as one business day. Repayment is typically made through weekly automatic deductions from each business's checking account. swiftcapital.com
Taycor Financial – Taycor Financial is a fiscally sound and economically responsible nationwide provider of equipment leasing and financing to the business community. The company offers commercial and technology financing, business financing, and vendor partnerships. taycor.com
TimePayment – TimePayment is an equipment leasing company that specializes in transactions with selling prices between $500 and $100,000. Through its network of more than 10,000 independent vendors, and utilizing its multilevel credit-scoring model, TimePayment can approve a wide range of customers, from large corporations to small businesses, including new entities. timepayment.com
United Capital Source – United Capital Source offers a variety of loan types, with amounts of $5,000 to $2 million. Businesses with bad credit are not automatically eliminated from loan consideration, and it can grant approvals in as little as 24 hours. United Capital Source's loans are unsecured and don't require a personal guarantee or collateral. unitedcapitalsource.com
VEDC – VEDC is a nonprofit alternative lender providing SBA Community Advantage loans as well as several small business direct loan programs. The organization provides loans and microfinancing options to small businesses, particularly those owned by women and minorities, that don't qualify for traditional bank financing. As a certified Community Development Financial Institution, VEDC's mission is to help create jobs and promote economic development in underserved communities. vedc.org
ViewRidge Funding – ViewRidge Funding is a provider of working capital loans up to $250,000 and equipment financing for businesses throughout the United States. To access the funding, businesses must complete a few questions online or call one of ViewRidge Funding's account executives, who will guide them through a one-page application to secure the funding or equipment they need within as little as two business days. viewridgefunding.com
VMC Capital – VMC Capital offers merchant and business cash advances. Its merchant cash advances go up to $2 million. The business cash advance program is available to businesses that don't generate income via credit card sales. Business cash advance loans of up to $1 million are available. vmccapital.com
WG Financing – WG Financing is a merchant cash advance provider. It requires little or no collateral, and average or bad credit is OK. Cash advances of up to $1 million are available. www.wgfinancing.com
Are you an alternative lender that would like to be added to this list and possibly considered for our next round of reviews? Please feel free to contact Jeanette Mulvey at jmulvey@purch.com
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