Square, a point-of-sale payment service like PayPal or Stripe, offers small business loans to merchants with a Square account. At first, Square Capital’s product might not seem unique. But when you look further into the requirements and repayment structure, it’s not difficult to see why Square Loans have grown so significantly over the several years.
Startup Loans USA is a business financing company that specializes in helping entrepreneurs access startup business loans and unsecured funding. Headquartered in Boise, Idaho, the company was founded in 2004 and has reportedly helped clients secure over $850 million in business funding.
StreetShares connects business owners to financing programs to help their companies grow. The lending platform began as a financing solution for veterans who owned their businesses but expanded to include financing for all small businesses.
The Holy Trinity of payment processors is PayPal, Square, and Stripe. As of September 2019, all three offer their own business financing services. The last to join the club was Stripe, and it’s easy to see why they waited so long. Compared to PayPal Working Capital and Square Capital, Stripe Capital is designed for a more specific customer type.
Sunwise Capital, a Deerfield Beach-based commercial lender launched in 2010, specializes in fast, data-driven business financing. Headquartered in Florida on Hillsboro Blvd, the company operates as a non-bank alternative lender focused on performance-based underwriting and streamlined funding.
Sutton Funding is an alternative business funding company that provides financing solutions to small businesses that may struggle to secure capital through traditional banks or large financial institutions. The company operates as Sutton Funding NY Inc. and is headquartered in New York, serving clients across multiple industries and markets. Sutton Funding positions itself as a fast, technology-driven lender focused on accessibility, speed, and personalized support for business owners.
Swoop Funding, a UK-based company, was founded in 2018 by Andrea Reynolds and Ciaran Burke. Its services are available in the UK, the US, and other nations. As a credit broker, Swoop does not directly provide loans or other finance products.
The company specializes in business funding, offering services like business loans, equity finance, research and development (R&D) tax credits, and business finance solutions. Despite being based in the UK, Swoop Funding extends its services globally, including the United States.
In the US, Swoop Funding has established offices to serve small business owners seeking financial support. The company aims to assist US entrepreneurs by providing them with access to various funding options tailored to their specific needs.
Lenders like Taycor Financial offer various equipment leasing and financing options. It also provides a variety of business loans to help you meet working capital needs.
Small business owners considering a merchant cash advance might be interested in The Fundworks. It provides a quick and easy application with funding available the day after approval.
The LCF Group is a New York-based direct funder offering fast, flexible funding to businesses of all kinds. The company has funded thousands of businesses across every industry and state since launching in 2011. Headquartered in New Hyde Park, NY, the company has been in business for more than a decade, helping merchants and small business owners across the United States access working capital when banks or credit unions won’t approve them.
According to its official website, The LCF Group was founded with the mission of “ensuring that every business in America has access to the capital it needs to grow.” Its leadership team and account managers emphasize transparency, professionalism, and speed — qualities that are frequently highlighted in user feedback.
The Smarter Merchant is a New York–based alternative financing company that operates as a direct funder for merchant cash advances. Launched in 2013, the company focuses heavily on building and supporting ISO relationships rather than working directly with small business owners. Its business model is designed to serve independent sales organizations, brokers, and funding professionals who connect merchants with working capital solutions.
THORO Corp is a direct lender that provides customized financing solutions to small and mid-sized businesses. The lender primarily operates as a merchant cash advance company, offering businesses access to capital based on future revenue rather than traditional collateral or fixed-term business loans. Its services are designed to help businesses manage short-term cash flow gaps, cover operating expenses, and secure additional capital quickly.
TopMark Funding specializes in delivering valuable financing solutions for semi-trucks, trailers, and construction equipment. Founded in January 2015 and headquartered in Roseville, California, TopMark Funding has established itself as a commercial vehicle and equipment finance company serving the trucking and transportation industry.
Modern small business owners have many options for online lenders, and today we’re discussing Torro Funding. The alternative lender provides a convenient application process with a fast turnaround on approval and funding.
Torro’s specialization in startup financing is one thing that sets it apart. Many financial companies don’t lend to startups because it’s an unproven business.
However, the funding company might not be the best option for every small business owner or aspiring entrepreneur. Some of its limitations include high fees and low borrowing amounts.
Total Merchant Resources (TMR) is an alternative finance company headquartered in Piscataway, New Jersey. Founded in 2008, Total Merchant Resources has been in business for over 15 years, demonstrating its experience and stability in the industry. The company’s mission is to help small businesses access the funding they need to sustain cash flow and expand, particularly when banks are unwilling to extend credit. The company provides various working capital solutions, including merchant cash advances, equipment leasing, business lines of credit, and fix-and-flip loans for real estate investors.
Triton Capital is an alternative business lending platform that provides small business loans, working capital loans, and equipment financing solutions. The company launched in 2008 during the financial crisis, when many small businesses struggled to obtain funding from traditional banks. Its goal was to offer simpler, faster, and more accessible financing options to help companies access capital.
Triton Capital has been serving small businesses since 2008 and helps businesses across the US. Over the years, the company has expanded its lending network and product offerings. Triton Capital has processed over $500 million in annual loan volume across approximately 5,000 businesses.
Triumph, formerly Triumph Business Capital, is a prominent factoring company specializing in financial solutions for small businesses, particularly those in the trucking industry. Triumph offers services such as invoice factoring, equipment financing, and asset-based lending, helping businesses manage their cash flow and working capital needs.
TrueCore Capital is a commercial finance brokerage based in Los Angeles, California, that helps businesses secure financing through a network of lenders. The company primarily specializes in equipment financing, though it also offers additional funding options, including working capital and business lines of credit.
The problem is that many commercial banks focus on enterprise-level financing for large corporations. Truist Bank is one exception because it offers traditional financing options for small businesses.
However, the traditional lender might not be the right fit for every business. We can help you decide if Truist meets your financing needs by covering the pros, cons and how to apply.
Use our simple online application to submit a request for business funding. If you need any help along the way, just give us a call, chat or email.
An expert, knowledgeable account executive will walk you through all the fine details and the requirements. This is to ensure you have all the info you need.
Once your funding has been approved & closed, the lender sends the funds to your account so you can start using it to grow your business.
