20 RULES OF MONEY

20 RULES OF MONEY .....

#1: It's a Game
Rule #1 is the most important one, and it's the one you have to buy into immediately. It's very simple. You may want to fight it, but regardless of what you do, it's a rule. And the rule is that money is a game. The great thing about any game is that no matter what game you play, you eventually get good at it. If I've never played chess, and you've played it 100 times, you're probably going to beat me. If I've played Monopoly 1,000 times and you've played it three times, I'm probably going to beat you. So the great thing about the money game is that it can be learned.

#2: Don't Be a Hater of Money
Next, don't be a hater of money. If you hate money, you'll never get money. Why? Because money doesn't like haters. If you constantly say things like, "Money doesn't grow on trees" or "Rich people are this or that," money responds by saying, "You're right!"

It's almost like if you go on a date with an attractive girl, and you tell her you don't like attractive girls that don't know a lot about philosophy. You say that all they care about is their looks, doing makeup, and working out. The girl's response is, "Dude, I put on makeup and I work out every day to stay in shape. But I also like other things in my life. But you know what? You're right. You're not attracted to me and I don't like you." She then goes and finds another guy that says, "I like a girl that takes care of her body and skin, and puts on makeup. I like a girl that works out five days a week." She's attracted to that guy.

So keep that part in mind, and don't be a hater with money.

#3: It's a Doubles Game
Number three of the rules of money is that money is a doubles game. Listen, you could stop reading right now, as long as you understand this.

The entire game of money is about doubling your money. What do I mean by double your money? Let me explain it to you this way.

If you have $1,000 cash in your bank account, you are 10 doubles away from having a million dollars. You're five doubles away from $32,000, 13 doubles away from having $8.192 million, and 14 doubles away from $16 million dollars. How soon can you double your money?

That's it. It's a doubles game. Can you take that $1,000 and double it to $2,000 in the next year? Now that it's $2,000, you're nine steps away from a million dollars. If you already have $100,000 in your account, then you're three to four doubles away from a million dollars. Building wealth is a piece of cake when you understand the doubles game.

Risk Tolerance and Horizon
Now that you have the basic concept, the question comes down to two things, your risk tolerance and your horizon. Your risk tolerance depends on your age. If you're 65, your risk tolerance is lower than if you're 22. Horizon has to do with time. What is your time horizon? The time horizon could be, "I want to have a million dollars by ten years from now." Great. If you want to have a million dollars by 10 years from now, first start with what do you have right now. Then you play the doubles game. For instance, if you have $17,000, you'd ask how many doubles do you need to get to a million bucks. From there you can determine a time goal for each of the doubles to meet your goal within 10 years.

It's a simple game, as long as you know the amount you have, the amount you want, and your risk tolerance, and time horizon.

To get a free "Doubles Game" worksheet, fill out the form below.

#4: Seduction
Let me explain to you about seduction. Money likes to be seduced. Money's attracted to seducers. Just like a woman doesn't like a desperate man, money doesn't like desperate people. Money's not attracted to desperate people that want it so bad because they want to show it off to everybody. No, no, you need to seduce money. When you do, all of a sudden money will say, "Ooohhhhh, I like this guy, I like this girl. Oh my gosh! I'm turned on by you."

Don't let money seduce you. You seduce money. Once you learn the seduction game with money, all of a sudden money starts coming from all over the place to you, because money's turned on by people that know exactly what they're doing. By the way, the more learn to seduce money, you'll get better at this game as well.

#5: Timing
Listen in here for my thoughts on the important role that timing plays when it comes to money rules.

#6: Boredom
Number six of the rules of money is boredom. Let me explain what boredom means. Money needs to be moved. Okay? Again, if a girl is bored with you, she leaves you, because you're too boring. The same is true for men. When people get bored, they leave. And money doesn't like to be bored.

What do I mean? If money stays in a checking account, the money goes to somebody that knows how to use it. Money doesn't like to stay somewhere where it's not working. So it goes to someone else that knows what to do with money. So you have to make sure that money's always moving for you, working for you, and doing something to create more money for you.

#7: Secret Account
The next of the rules of money is to have a secret account. You always have to have a secret account.

What's a secret account? It's an account no one else - including your spouse, parents, best friend, siblings - knows about.

A secret account is a crisis account and could be cash. It's an account that's sitting somewhere that no one else knows about. I know you may say, "Pat, you talked about boredom." But this is a completely different story. You have to have a crisis account that's not your emergency fund.

A secret account is what saved my business when we were going through a difficult time. The company's checking account went down to $13,000, and I had payroll, commissions and everything to pay out of it. The crisis account that I had is what saved us. No one knew about it. That money showed up, I put it back into the business, and we lasted through the tough times. So you always need to have a secret crisis account.

#8: Don't Fly First Class
Next, don't pay to fly first class until you have $10 million in the bank. I see so many people spending $2,000 on a flight when they can spend $400. Listen, I'm 6'4" and weigh 240 pounds, and do you know how many times I've paid first class? Zero. I don't pay first class. Other people pay for my first class, but I don't pay for first class. I've flown first class many times because I have miles, or people pay for my flight. But I don't pay for first class myself.

Why is that? It's because I did the math. Obviously, I can afford to do it, no problem. But here's how I did the math. If I pay $2,000 for a first class flight and I can get on the same flight for $500, that's $1500 more I'm paying for the flight. If I fly nine times a month, that's a $13,500 monthly difference. Do you know what I can do with $13,500? That's four employees or marketing or expansion. Over a year, it's $162,000. Why would I waste that money? That's an executive I could bring in, or two incredible employees. So I don't pay first class.

Once you have $10 million in the bank and you want to do it, great. At that point you may want to buy a private jet, but don't pay for first class until you get to that point.

#9: Comp Plan
The next of the rules of money has to do with your comp plan. Listen in here as I explain what I mean by comp plan.

#10: End of the World Mentality
The next of the rules of money is end of the world mentality. Listen, CNN, MSNBC, Fox, Suze Orman, Dave Ramsey and others are all paid to sell crisis. Why? Because you have to be ready for a crisis. So a lot of times people are fearful, and think it's the end of the world. For example, in 2008 when the market crisis took place, everybody started pulling their money out. At the time, the Dow Jones was down to 6,000 something. It's at 21,000 points today. Imagine if you left the money in. How much compounding money was lost simply because people thought it was the end of the world?

You have to learn to manage the times when 90% of the world thinks it's the end of the world. You have to be ready for those times. So how do you do that?

Let me explain. I was part of the community that said it's always the end of the world. Then I realized how you become wealthy during those times. In the times when people say it's the end of the world, do you know who wins? The ones that have cash. That's why it's so important to have cash set aside. And I'm not talking boredom money. I'm talking about having cash said aside so that when it's the end of the world, you can buy stuff.

Crisis Makes Some People Wealthy
Every time crisis happens, a LOT of people become wealthy. Why? Because everything's on sale when there's a crisis. People sell exotics because they can no longer afford them. People sell artwork for 1/5 of the price and homes for 1/2 of the price. All kinds of things are for sale when there's an end of the world type of mentality.

So it's important to have a strategy for this time. Some say the markets will tank again in the next two to three years. I don't know if that will happen, but what I do know is that they'll tank in the next 20 years. And you have to be ready for it because there will be opportunities, if you're prepared.

#11: Study Your Politicians
Next, study your politicians, especially your president. Here's why. You have to know the philosophies of and what the politicians in your nation and local community are going to do. For example, if their philosophy is to do heavy-duty taxing, you need to adjust accordingly. If their philosophy is to cut down taxes, you need to adjust accordingly.

People ask me, "Pat, what should I do with Trump?" Start a business! Taxes are being cut. So go make your millions of dollars in the next four years, and if it's eight years, go make your money. Adjust. Everything's about adjustment. But you have to know the philosophies of your politicians and adjust accordingly.

#12: Study Smart Investors
Next, study smart investors. For instance, you should read everything Warren Buffett puts out. Every single thing. Read all his books, because as you do, he'll teach you his way of thinking, his mindset.

People ask, "Why did Warren Buffett spend $35 million to buy silver six years ago? And why does he stay away from technology?" The thing you have to respect about Warren Buffett is that he sticks to a philosophy long enough until it works. So study smart investors.

#13: Play Your Game
Number 13 of the 20 rules of money is to play your game. Don't compare or play someone else's game. Play your game.

Let me explain. Let's say that when you play the doubles game, you're at $8,000. And let's say your cousin is at $4,096,000. Or let's say your friend is at $128,000. Why are you comparing yourself to them? You need to play YOUR doubles game. They are four or more doubles ahead of you, so it's not the same game.

You can't say, "I'm going to play my game at the level with the other guys" because when you do that, you make reckless decisions and you may lose a double. You don't want to lose doubles.

It's important not to go backwards, and any time you focus on the people ahead of you, you may go backwards. So focus on your game, your strategies, and your time horizon. Focus on your risk tolerance, and play according to that game.

Your vision may not be to be a billionaire. Your vision may not be to do something very big. Perhaps your vision is not be a deca-millionaire, but instead to someday have $2 million. That's all good. Play to that game. And put a plan to it. But don't constantly compare yourself to other people.

And by the way, if you didn't fill out the form under point three to get your doubles game worksheet, put your name and email address in the form below. And when you fill out the doubles game worksheet, be sure to have your game, instead of someone else's in mind.

#14: Index
The next money rule is index. Listen in here to see what I mean by index.

#15: Befriend Money Makers
The next of the 20 rules of money is to befriend money makers that you trust. Here's why. If you're around other people that know how to make money, you're going to make money. If you're around people that don't make money and don't know how to make money, you won't make a lot of money. That's just how things work.

It's also important to know who you're going into business with. Sometimes things seem too sweet or sexy, but you don't know the person. It's important for me to know who I'm going to do business with. I hire very, very slowly and fire very fast. The moment I'm done with somebody, boom, they're gone. It's no problem for me to fire four people in a day. If things aren't in the right place, we need to move on.

Especially for higher up positions, I hire very slowly. I travel with the person so I get to know them. So whoever you're going to do business with, befriend them. Travel with them. If somebody's extremely wealthy, go to dinner with them. Get to know their spouse, and how they are around their kids. See their standard of living, behavior, and discipline and if you like what you see, determine to do business with them.

#16: Diversification is for Sissies
The next money rule is that diversification is for sissies. So if you're a sissy and your risk tolerance is very low, it's okay. It's okay to be a sissy. A lot of people are sissies. But if you truly want to create wealth, and you wonder why you don't have a single penny after working for 17 years, you have a problem.

What's the problem? Diversification is a great concept for financial advisers to sell to people that want to play things safe. If you're watching this and you're 73 years old, diversification may be good for you. Or if you're 62 years old and you've already hit your numbers, your risk tolerance is lower because your time horizon is lower. In that case, you're playing a different game.

I'm mainly talking to the people that are in the offensive mode of their lives. I'm talking to people that are trying to get their doubles to go faster. If you rely on diversification, it takes 20 to 40 years, and that's if everything goes the way it's supposed to. So don't rely on diversification to take you where you want to go.

#17: Leverage
The next of the rules of money is about leverage. Everything is leverage.

Let me explain what leverage means. When I say leverage, I'm not talking about going into debt. I'm talking about leverage, period. Here are some ways to use leverage in your business:

Gain more support
Expansion
Market yourself more
Get to the customer faster
Increase the speed of growth of your business
You need to ask how you can leverage every aspect of your business because leverage is a growth game. And the more you study the concept of leverage, the better it is for your wealth.

#18: Positioning
Listen in here for why positioning is an important money rule.

#19: Strategic Partnerships
Number 19 of the 20 rules of money is to develop strategic partnerships. This is similar to befriending money makers but it's slightly different because it's intentional. For instance, in our company we have strategic partnerships where a lot of people make money. And the more that people make money, the more they'll continue to do business with you.

I have strategic partnerships with $400 billion companies, $200 billion companies, and $60 billion companies. I have strategic partnerships with a lot of different companies that benefits them. Strategic partnerships increases the value of making money because a lot more people make money when they go into business with you.

#20: Big Check Syndrome
Last but not least of the rules of money is big check syndrome. Oh my gosh, I've seen so many people screw this whole thing up.

Let me tell you what I mean by big check syndrome. Let's hypothetically say you sell real estate. And all of a sudden a client wants you to sell their $3 million home. You sell it and get a $100,000 commission check. You say to yourself, "Oh my gosh! I made $100,000!" And for two months you live as if you made $100,000 in a month.

What you don't realize is that you need to look at that $100,000 as $8300 a month income for a year. Don't look at it as $100,000. Look at it as $8300. I see so many people that see it as $100,000 and get arrogant and cocky. They don't realize it's just a big payday. And their double goes lower and lower and lower.

Here's a question for you. Would you rather take a half a million dollars up front, or take a guaranteed income stream of $100,000 over 20 years? Which one would you take? Most people would take the half a million dollars. Let me tell you why $100,000 is more. $100,000 adds up to two million bucks. And a half a million dollars is just a half a million dollars. The $100,000 gives you the opportunity to have a stronger backing to make bigger decisions to get bigger doubles.

Now you may say, "But Pat, a half a million dollars? That already moves me a long way in the doubles game." But that's irrelevant if you don't know how to play the money game. I want high income as well. I want income coming in that feeds my game so I can increase my net worth. Income is a very, very important game, so don't get too crazy about big check syndrome and all of a sudden fall for it and lose everything.

Your Turn to Play the Money Game
As I said in point three, one of the most important ways to win the money game is to play the doubles game. So if you haven't already done so, be sure to fill out the form below to get your doubles game worksheet.

If you have any questions or comments, comment on the bottom. And if you haven't yet subscribed to our YouTube channel, click on the button below to subscribe, and learn the content so you, too, can be a successful entrepreneur.

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Best Overall Business Funding

Best Lines of Credit: Kabbage

Kabbage offers small businesses lines of credit of $2,000 to $150,000. Each time you draw against your line of credit, you have six or 12 months to pay that money off. Instead of paying interest, however, you pay fees of 1 to 12 percent each month. To apply, you fill out an online application and link the system to either your business bank account or an online service you already use, such as QuickBooks. Kabbage's platform automatically reviews the data on those sites to determine if you meet the company's standards for a loan. The process typically takes just minutes to complete. Once approved, you have instant access to your loan. Go here for our full review of Kabbage.

Best Startup Loans: Accion

Accion is a nonprofit microlender that specializes in small business loans. It offers loans specifically for startups that have been open for less than six months. Accion's loan amounts and minimum requirements vary by state. Among the more common requirements are a minimum credit score of 575, sufficient cash flow and proof of income. Maximum loan amounts range from $10,000 to $100,000. Applications can be filled out online, with approval usually taking place within one month. Accion's loans, most of which have annual percentage rates starting at 10.99 percent, are repaid on a monthly basis over the length of the loan. Go here for our full review of Accion.

Best Merchant Cash Advances: RapidAdvance

RapidAdvance offers merchant cash advances of 50 to 250 percent of your monthly credit card volume. You repay loans by giving RapidAdvance a fixed percentage of your future card receipts until the loan is paid off. To qualify, you need to have been in business for at least three months, have at least $2,500 in monthly credit card receivables and have a physical location for your business. You can apply for the advance online or over the phone. The approval process can be completed in 24 hours, with funds available within three days. Go here for our full review of RapidAdvance.

Best Bad Credit Loans: OnDeck

OnDeck offers fixed-rate loans of up to $500,000. To qualify, you need a minimum credit score of 500 and an annual revenue of at least $100,000, and you must have been in business for at least one year. Loans have lengths ranging from three to 36 months and are paid back on a daily or weekly basis. You can apply for a loan online or over the phone. You can receive approval in just a few minutes, with funds deposited into your account within 24 hours. Go here for our full review of OnDeck.

Best Equipment Loans: Crest Capital

Crest Capital offers equipment financing of up to $1,000,000. Financial documents aren't needed for financing of less than $250,000. The lender has a wide range of loan and lease terms, including fixed-rate loans, $1 purchase agreements, 10 percent purchase options, fair-market-value leases, guaranteed purchase agreements and operating leases. To qualify, you must have been in business at least two years and have a minimum credit score of 700. The approval process can be completed in as little as four hours. Go here for our full review of Crest Capital.

Our Methodology

To determine the best alternative lenders, we started with a pool that included all of the lenders on the comprehensive list below. After some preliminary investigation, including a look at other best-pick lists and initial research into each lender, we interviewed small business owners to discover new lenders to add to our list. We also eliminated peer-to-peer lenders and online sites that match businesses with lenders, because these lenders didn't fit into this year's best-pick categories.

Ultimately, we settled on 27 alternative lenders to research as best picks: Accion, American Business Credit Services, American Capital Group, American Express, Amerifund, Ascentium Capital, Balboa Capital, BFS Capital, CAN Capital, Crest Capital, Dealstruck, Direct Capital, Fora Financial, ForwardLine, Fundation, Kabbage, Kalamata Capital, Keystone Leasing, Merchant Advisors, OCM Financial, OnDeck, PayPal, RapidAdvance, Rapid Capital Funding, Shield Funding, SnapCap and Square. (See below for the full list of alternative lenders.)

Next, we researched each lender by investigating the types of loans it offers, the amount of money that can be borrowed and for how long, the application and approval process, and repayment procedures. We also considered any general term rates listed on these lenders' websites. After narrowing the list to 18 contenders, we contacted each lender's customer service department by phone, and live chat if possible, and posed as business owners to gauge the type of support each company offers.

In all, we analyzed each lender based on the following factors:

• 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

It's important to note that our best picks were not selected based on the lender most likely to approve your business for a loan. Each lender evaluates businesses differently, and each business has a different financial makeup. Considering these factors, it would be impossible for us to determine any business's likelihood of securing a loan with any of these lenders. In addition, our review process did not fully examine specific loan interest rates. These are determined individually for each business based on the amount of money being borrowed, the loan terms and the business's financial makeup. We did, however, consider any average rates each lender provided.

Here is a full list of alternative lenders and a summary of what each one claims to offer. This alphabetical list also includes our best picks.

1st Merchant Funding – 1st Merchant Funding provides merchant cash advances and short-term business loans of $5,000 to $250,000. After completing an application, borrowers receive funding options within just a few minutes, with funding available the following business day. 1stmerchantfunding.com

800Fund.com – 800Fund.com is a provider of merchant cash advances, working capital solutions, alternative financing solutions, and other alternatives to credit lines and small business loans through the purchase of future receipts, ACH programs, and numerous other alternative lending solutions and programs. 800fund.com

*Accion – Accion is a small business microloan lender. The company provides two types of loans: one for established businesses and one for startups. Loan types, amounts and requirements vary by state. Each loan type is secured and features fixed interest rates. us.accion.org. Read our full review here.

Accountable Capital – Accountable Capital specializes in loans for small and midsize businesses throughout the United States. The company offers merchant cash advances, business loans, lines of credit and working capital loans. In addition, it has funding programs specifically for liquor stores and the medical and restaurant industries. There are no application fees. The company offers 24-hour approvals, and bad credit is not an automatic disqualification. accountablecapital.com

Advance Funds Network – Advance Funds Network (AFN) offers a number of flexible business-financing options for small and midsize businesses, including bad credit business loans, cash advances, invoice and purchase-order factoring, and equipment leasing. AFN's products are available to all businesses, regardless of credit score. advancefundsnetwork.com

Advantage+ – Advantage+ is an equipment-leasing direct lender that serves businesses throughout the country. Most new loans, which range from $2,000 to $200,000, come through equipment manufacturers, distributors and dealers that use the lender's financing to help their customers buy equipment. About 40 percent of its loans come from existing or previous borrowers, with a growing number of requests coming directly from borrowers, through the Advantage+ website and word of mouth. advantageleasing.com

Advantage Lease – Advantage Lease is a nationwide provider of commercial financing products and services focused on small and midsize businesses. Advantage finances commercial equipment in most major market segments. The lender has expertise in certain markets, including office technology, industrial equipment, food services, office furniture, security and surveillance, health care, information technology, and software. advantagelease.com

American Express – American Express offers merchant financing to small businesses that accept American Express cards. The financing is a commercial loan, not a purchase of receivables or a cash advance. A business must repay the loan in full, together with the loan fee, regardless of its future credit and debit card charge volume. americanexpress.com

American Finance Solutions – American Finance Solutions purchases businesses' future credit card transactions, and advances that money to the businesses. After a business receives the advance, this lender deducts a fixed percentage of the business's daily credit card sales until the advance is paid in full. To qualify, businesses must have been in operation for more than a year and process at least $5,000 in credit card sales each month. americanfinancesolutions.com

Amerifund – Amerifund has been providing equipment financing of between $5,0000 and $5,000,000 to companies across the United States for new or used equipment since 1995. The lender tailors specific leasing or finance programs to best assist companies in meeting their financial goals. Amerifund's lease, finance and working capital programs provide flexibility, including structured terms that cater to the seasonality of your business, or programs that allow you to use the equipment for three to six months without any out-of-pocket payments. amerifund.cc

American Microloan – American Microloan provides small business financing and funding via merchant advance loans for Visa and MasterCard merchant account holders. The cash advance or loan amount is based on the merchant's previous six-month average credit card sales volume. The typical loan amount is 70 to 100 percent of the monthly average, with the typical term at six months. americanmicroloan.com

Apple Capital Group – Apple Capital Group Inc. is an asset-based lender that specializes in equipment leasing and financing ranging from $25,000 to $500,000 for up to 60 months. It also offers small business, bridge and hard-money loans on projects of under 12 months. It can evaluate loan requests in less than two hours, with funding available in three days. applecapitalgroup.com

ARF Financial – ARF Financial offers a diverse selection of loan products, including working capital loans, lines of credit, bridge loans and mezzanine credits. Its loans range from $5,000 to $1,000,000. Approvals are granted quickly; funds are available in seven to 10 days, and collateral is not required on loans up to $750,000. arffinancial.com

Ascentium Capital – Ascentium Capital is a solutions provider for equipment and technology financing. Its finance platform paves the way for fast, flexible financing for virtually any business need. The lender provides financing and leasing for manufacturers, distributors, resellers and franchise organizations, as well as direct financing options for small, midsize and Fortune 500 companies. ascentiumcapital.com

Balboa Capital – Balboa Capital offers several small business loan products, including working capital loans, franchise loans, equipment leasing and flexible small business loans. The company makes quick credit decisions, offers loans of up to $250,000 and has no restrictions on how businesses can use the money. balboacapital.com

Biz2Credit – Biz2Credit is an online marketplace for small business funding. The company connects small businesses in need of funding with lenders. It can help small businesses obtain a variety of loans, including SBA loans, equipment financing, business acquisition loans, commercial loans, lines of credit, franchise loans, real estate financing, disaster loans and merchant cash advances. biz2credit.com

Bizfi – Bizfi provides real-time preapprovals and multiple funding options to businesses from a wide variety of funding partners. Bizfi's funding options include short-term financing, franchise funding, equipment financing, invoice financing, medium-term loans and long-term loans guaranteed by the U.S. Small Business Administration. bizfi.com

BizLender – BizLender is a provider of alternative funding solutions for businesses throughout the United States. This lender offers business cash advances, merchant cash advances, and both secured and unsecured business loans. Funding of $5,000 to $500,000 is available through BizLender. bizlender.com

BlueVine – BlueVine helps businesses free up cash trapped in their invoices by providing an advance on the amount due. There are no hidden fees, paperwork or obligations. The application is completely online, and there are no long-term contracts or termination fees. Once it approves a business, BlueVine sets a credit line for the business to use as needed. bluevine.com

BoeFly – BoeFly is an online marketplace for small business loans. This loan exchange connects small business owners with more than 4,000 business lenders. BoeFly is a subscription service that does not charge any transaction fees. boefly.com

Bond Street – Bond Street offers term loans up to $1,000,000, with interest rates starting at 6 percent and terms from one to three years. To qualify, your business needs to have been open for at least two years and have annual revenue of at least $200,000. Businesses whose owners have a credit score of at least 640 are most likely to qualify. The online application takes 10 minutes to complete, with offers arriving within three days. bondstreet.com

The Business Backer – The Business Backer specializes in small business financing. This lender offers a variety of loan types, including factoring, purchase financing, specialty financing, equipment leasing, traditional loans and lines of credit. To qualify, businesses must have been operating for at least a year, and must have annual revenue of at least $150,000 and a personal credit score of 550 or higher. businessbacker.com

Business Capital USA – Business Capital USA is a provider of merchant cash advances of up to $500,000. To qualify, borrowers must have been in business for at least six months and have steady monthly cash flow, or at least $5,000 in monthly revenue. Borrowers can apply for an advance online. businesscapitalusa.com

Business Credit & Capital – Business Credit & Capital specializes in offering merchant cash advances to retailers, restaurants and service businesses. The lender purchases a percentage of future revenue and advances those funds to businesses. There are no restrictions on how the money can be used. For businesses to repay the loan, the lender collects a daily percentage of sales. businesscreditandcapital.com

Business Finance Advance – Business Finance Advance provides unsecured cash advance funding to small and midsize merchants based on their future credit card sales. The lender determines cash advance amounts based on a borrower's average monthly credit card sales. It generally funds between $2,000 and $1 million. bfadvance.com

Business Loans Direct – Business Loans Direct offers a wide range of loans, including business cash advances, merchant cash advances, small business loans, merchant loans, restaurant financing, bar and nightclub financing, and medical practice financing. The application process is free, and upon approval, businesses receive their funds in as little as 72 hours. businessloansdirect.com

BFS Capital – BFS Capital offers both small business loans and merchant cash advances. The company provides loans of $4,000 to $2 million to small businesses in a wide variety of industries, including restaurants, retail stores, service providers, manufacturers and wholesalers. bfscapital.com

CAN Capital – CAN Capital offers small business loans and merchant cash advances. Loans through CAN Capital range from $2,500 to $150,000 and mature in four to 24 months. No personal collateral is needed, and funds can be transferred in as little as two business days. cancapital.com

CapFusion – CapFusion offers competitive, flexible loans based on data for businesses that need cash to quickly and efficiently fund their growth. To qualify, businesses must have been in operation for at least one year, and have annual revenue above $100,000 and a personal credit score of at least 500. capfusion.com

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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