Learn About The Industry’s Top Lenders

Salaryo is a direct online fintech lender, founded in New York City, New York, in 2017 and operational since 2018. The company underwrites and funds its own loans with a mission to provide accessible, fast funding to small businesses, freelancers, and startups across the US. Though the company partners with Lendio, Fundera, and LendingTree, all loan origination and funding is handled directly by Salaryo.

Same Day Business Funding is an online business loan platform that helps small businesses access fast funding. The company advertises a quick, five-minute online application and promotes same-day approvals for qualified applicants. According to its website, approved businesses may receive funding within hours, with next-business-day or even same-day funding possible in certain scenarios.

Samson Funding is a New York-based alternative financing provider that helps small businesses access quick capital solutions when traditional loans aren’t an option. The company aims to empower businesses through simple, customized financial solutions that fit their cash flow needs.

They aim to build long-term client partnerships by offering support and access to flexible funding throughout their growth journey. The firm is known for fast approvals, minimal documentation, and a straightforward application process.

SBG Funding is an alternative online lender providing various financing options for small and medium-sized businesses. Headquartered in New York, the company was founded in 2017 to provide faster access to capital than traditional banks. Since then, it has become a recognized name among small business lenders, funding thousands of companies across multiple industries.

SBG Funding offers a variety of business loan types, including term loans, lines of credit, equipment financing, and invoice financing. Its loan products are designed for businesses that may not qualify for bank loans but have consistent revenue and a need for flexible funding solutions. With loan amounts ranging from $10,000 to $10 million, depending on the type of loan, the company has positioned itself as a versatile option for both small businesses and mid-sized companies with larger capital needs.

Seek Business Capital, or Seek Capital, is a lending referral service designed to help you obtain funding that meets your needs and qualifications. The service enables you to secure working capital to grow and support your business.

The referral service differs from many online lending options because it is not a lender or lending marketing place. It does help you connect to multiple lenders, though.

Small business owners seeking up to $250,000 in working capital or $1 million in equipment financing may be interested in Select Funding. The online lender only requires a credit score of 500 and specializes in fast funding.

However, the funder might not be the right option for every business. It doesn’t provide much detail on costs, but online reviews suggest the rates are high.

SellersFi is a global financial technology company founded in 2017 to provide specialized funding and strategic solutions for eCommerce businesses. Headquartered in New York, New York, the company focuses exclusively on online sellers operating on major marketplaces.

Since its founding, SellersFi has deployed over $1 billion in working capital and financing to approximately 30,000 eCommerce sellers across multiple countries. The company primarily serves businesses incorporated in the United States, Canada, Australia, and the United Kingdom.

SG Credit Partners is a business-to-business lender that focuses on specific, situational financing. The firm was established as a credit platform for underserved lower-middle-market businesses and provides tailored credit solutions for companies facing growth transitions, restructuring, working capital constraints, or business acquisition opportunities.

The firm works with companies that may not fit conventional credit criteria due to short earnings history, limited collateral coverage, or evolving business models—particularly common in fast-growing software and consumer brands. Since its formation, SG Credit Partners has invested in more than 200 companies, originating over $1.0 billion in commitments across its lending verticals.

Shield Funding provides multiple small business loans, from short-term to SBA loans. Business owners can find funding for almost any business need with different options.

Shopify Capital is the small business financing arm of the highly popular eCommerce platform Shopify Inc. Small business owners using the platform might qualify for a Shopify loan or merchant cash advance. Applications are invite-only, meaning the company will message you when your business is eligible.

Shore Funding Solutions is a New York–based financing company headquartered in Melville, NY. The company was founded to bridge the gap between traditional bank lending and the urgent financial needs of small businesses. Over the years, Shore Funding has facilitated hundreds of millions of dollars in loans, helping clients across various industries secure capital to grow and stabilize their operations, and has supported numerous businesses with a wide range of funding options.

Shore Funding Solutions assists clients across various industries throughout the United States. The company leverages both in-house funding and a vast network of lending partners to deliver customized financing solutions tailored to its clients’ needs. This hybrid approach enables small businesses to access a wider variety of products, providing them with flexibility when traditional banks decline their applications.

Simply Funding is a direct funder specializing exclusively in merchant cash advances (MCAs). Founded in 2017 by Bernard Mittelman, the company is headquartered in New York and has grown from a small operation into a 28-person team serving businesses across the country.

SLIM Capital, LLC is a nationwide independent direct finance company headquartered in Beverly Hills, California. Founded in 2016, the company was built on the idea that a smarter lending environment, powered by technology and relationship-driven service, could deliver higher-quality deals and greater success for small- to mid-sized businesses. The company specializes in equipment financing and equipment leasing across a wide range of industries, including construction, manufacturing, transportation, healthcare, and technology.

Smart Business Funding is a direct funder that provides business funding solutions to small and mid-sized businesses across the United States. Founded in 2013 by experienced financial professionals, the company operates under its legal name, Collins Cash Inc., and is headquartered in North Miami Beach, Florida. With over a decade in operation, Smart Business Funding has established itself as a provider focused on helping businesses address cash flow challenges through fast, accessible funding options.

SmartBiz offers a streamlined approach to applying for SBA 7(a) Loans. Business owners can use the SBA 7(a) for commercial real estate loans, working capital, or debt refinancing. You only apply once, and they take care of sending your application to SBA lenders in their network.

SnapCap is an alternative online lender offering short-term financing to small business owners. They specialize in expediting the business loan process. From their streamlined application process to fast funding time, the company aims to bring you working capital in a snap.

Small businesses often need financing help at some point. But most traditional lenders like banks and credit unions have stringent qualifications and rigid repayment structures.

Some alternative lenders, like SOS Capital, provide quick funding, flexible terms, and accessible qualifications. However, the online lender might not be the right choice for every small business.

Spartan Capital is an alternative financing firm headquartered in Middletown, New York. Founded to provide small businesses with access to working capital, the company positions itself as a partner for entrepreneurs who may not qualify for traditional bank loans. It originally launched in New Jersey.

Spartan can provide fast, flexible, and transparent business financing options that allow capital to work for businesses. Rather than offering large, institutional-style loans, the firm focuses on more practical funding options tailored to real-world small business concerns.

Specialty Capital, LLC offers alternative funding solutions for small to medium-sized businesses. The company is headquartered in Great Neck, New York, and serves clients across the country, helping companies to secure working capital when they may not qualify for conventional bank loans. Specialty Capital’s model is designed to assist businesses that fall outside traditional credit guidelines, including those with lower credit scores, seasonal cash flows, or recent financial challenges.

Splash Advance is a merchant cash advance (MCA) company that provides quick funding for businesses. The company is headquartered in Boca Raton, Florida, and operates across the United States.

Splash Advance operates as a direct funder, offering faster payouts by eliminating the need for a middleman. Its primary focus is on delivering same-day or next-day capital to small businesses that may not qualify for bank loans.