Learn About The Industry’s Top Lenders

Small business owners have various lender options thanks to online and non-bank lenders like BHG Money (powered by BHG Financial). While it’s mostly known for personal loan offerings, some business owners may be interested in BHG Money business loans. However, the lender might not suit all businesses, as it has limited loan amounts. In addition, some business owners may prefer lenders that focus exclusively on commercial loans.

Bitty Advance is a newer company but already a leader in the Merchant Cash Advance (MCA) sector, offering financial support to numerous entrepreneurs across the United States. MCAs involve an agreement where a business owner receives an immediate cash advance for a portion of their future business revenue.

This financing option is widely utilized by various small businesses, such as restaurants, trucking companies, medical practices, construction firms, consulting agencies, healthcare providers, childcare centers, etc. It provides a flexible and accessible funding source for businesses looking to meet their financial needs and support growth initiatives.

Biz2Credit is an alternative lending marketplace that provides several loan offerings to meet your small business needs. In particular, the company specializes in commercial real estate loans.

Bizlender is an online business loan marketplace that helps small business owners access funding quickly and efficiently. The company uses a proprietary technology platform to connect applicants with a network of funders, providing tailored financing solutions for various business needs. The company’s financing professionals state they will leave no stone unturned to find funding solutions.

Established with a focus on simplicity and speed, Bizlender offers a range of loan products, including merchant cash advances, lines of credit, business term loans, equipment financing, and working capital loans. Its mission is to empower business owners by providing access to capital with minimal hassle.

Blackbridge Investment Group (also known as BIG Funding) is a direct funder specializing in revenue based financing for small and medium-sized businesses nationwide. The company was founded in 2023 and is headquartered in New York City, New York.

Blade Funding is an alternative funding company headquartered in Florida that serves small businesses and mid-market businesses seeking fast access to working capital. Since its inception, the company has positioned its mission around simplifying the funding process and helping companies that traditional capital sources may have declined. Its messaging emphasizes a more honest, straight-talk approach to clearing up confusion about business funding.

Few online business lenders are as highly regarded as Bluevine. If you were to research their products, you’d quickly be greeted by many glowing reviews, and for a good reason. For starters, Bluevine offers virtually all of the advantages you’d expect from a reputable online business lender. Their products are easily accessible for younger, smaller businesses, especially those with subpar personal credit. Even Bluevine’s fee policies are considered optimal compared to the rest of the industry.

Lending marketplaces like BoeFly try to solve that challenge by connecting borrowers directly to the lenders that best match their needs. But it might not be the right fit for every business or funding need.

BogeGroup is a consulting company based in Las Vegas, Nevada, that offers business development, marketing, and credit consulting services to small business owners. While not a lender, marketplace, or financial institution, the company promotes programs that claim to help clients access business credit cards—many of which include 0% APR introductory promotional periods—while also offering supplementary services designed to support business growth. BogeGroup provides services to help individuals obtain business credit and funding.

Founded by entrepreneur Andrew Imbesi, the company markets funding strategies, business credit education, and business support programs intended to help owners pursue financial expansion. Much of its publicity comes from online marketing campaigns, webinars, Zoom calls, and social media outreach, often highlighting the potential to access “tens of thousands” in business credit cards at 0% APR.

Breakout Finance (formerly Breakout Capital) is an online business lender that provides various financial products to support small business growth. The company offers funding solutions for businesses facing cash flow challenges or seeking expansion opportunities. By providing alternatives to traditional financing, Breakout Finance empowers business owners to access working capital without navigating the lengthy processes typical of conventional lenders.

Founded as Breakout Capital, it rebranded as Breakout Finance in 2023. The company has deployed nearly $500 million in funding to small businesses across all 50 states and Washington, D.C., since its founding in 2015. As a direct funder, the company handles funding decisions and disbursements in-house rather than referring borrowers to third-party lenders. This approach allows for faster approvals and a more personalized lending experience.

BusinessCapital.com (Business Capital) is an online business funding company that provides small business loans and alternative financing solutions to U.S.-based businesses. The company focuses on helping small businesses access capital quickly by using technology to streamline the approval and funding process. BusinessCapital.com offers fast online business loans, including lines of credit, short- and long-term loans, equipment financing, and SBA loans.

BusinessLoans.com is a lending marketplace that helps ease the process by matching you with loan providers in its network. You only have to complete the simple online application, and you can receive multiple funding options from lenders that want to work with your business.

However, the fintech platform isn’t the right fit for every business funding need. It lacks transparency on costs, isn’t a direct funder, and can it take up to a week to receive the funds.

ByzFunder is an alternative lender that provides financing for small to medium-sized businesses (SMBs) that may not qualify for traditional bank loans. Based in New York, ByzFunder focuses on helping SMBs access fast funding solutions with streamlined technology and a straightforward application process. The company boasts a high approval rate for its financing applications, making it an attractive option for businesses seeking quick funding. The company aims to support businesses facing cash flow issues by offering flexible financing options tailored to their needs.

ByzFunder was founded in 2019 and has since become recognized in the alternative lending space. The company emphasizes a technology-driven approach, making the funding process faster and more efficient for small businesses. Over the years, ByzFunder has expanded its financial offerings to cater to a broader range of industries and business needs. With over 100 years of combined experience in small business financing, the team at ByzFunder brings a wealth of expertise to support its clients.

Camino Financial is an online lender that offers business loans to minority-owned and microbusinesses. Founded by twin brothers Kenny and Sean Salas, the company was established to fill a critical gap in business financing for underserved entrepreneurs. Its headquarters are based in Los Angeles, California, and it operates primarily through its digital lending platform.

The company’s mission emphasizes providing alternative business lending options for underserved communities that face barriers to traditional bank lending. By combining technology with a social mission, Camino Financial aims to empower small business owners by offering educational resources to enhance financial management skills.

CAN Capital is one of the longest-running companies in the alternative lending industry. When it launched in 1998 under the AdvanceMe brand, it was among the first to offer merchant cash advances, a product that changed how entrepreneurs could access money for their businesses. The merchant cash advance company had a vision from the beginning: to put capital within reach of small business owners who traditional banks underserved.

Capital Domain is a New Jersey based business funding company that positions itself as a strategic ally for entrepreneurs, with a mission to provide tailored funding solutions that align with each client’s unique objectives.

It targets small and mid-sized businesses across the country that need flexible, fast access to capital, with a team of financial experts who provide support beyond the funding process, offering ongoing insights and guidance. Capital Domain promotes core values of innovation, transparency, and integrity, aiming to foster trust with clients through ethical standards and a client-centric approach.

Carputty is an online auto financing company that provides an innovative alternative to traditional auto loans. It offers a flexible line of credit that allows individuals and businesses to purchase, refinance, or lease buyout vehicles. Carputty operates in multiple states, excluding California, Mississippi, and Nevada.

Unlike other auto lenders, Carputty focuses on making car purchases and selling decisions easier by providing a continuous line of credit that borrowers can use repeatedly without requiring a new loan application for each transaction. Additionally, Carputty provides tools to manage cars as assets to maximize their value.

Celtic Bank is a privately owned industrial bank headquartered in Salt Lake City, Utah. Founded in 2001, the bank has established a reputation for providing specialized lending services to small businesses across the United States. Celtic Bank offers a diverse suite of loan products and is particularly recognized as a top SBA preferred lender. Celtic Bank has financed businesses in hundreds of industries nationwide.

Founded in 2015, CFG Merchant Solutions (CFGMS, LLC) is a direct funder specializing in revenue based financing, commonly referred to as merchant cash advances (MCAs) or “MCA loans.” Since its founding, the company has provided over $1 billion in funding to businesses across the U.S., enabling them to secure rapid access to working capital.

CFG Merchant Solutions offers prompt funding to help businesses expand. The company positions itself as a resource for small and mid-sized businesses that might not qualify for traditional loans but still need access to funds.