Learn About The Industry’s Top Lenders

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.

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 a small business financing company in operation since 1998. It was one of the pioneers in the alternative business lending space and one of the first to offer merchant cash advances.

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.

Channel Partners Capital operates through a partner-driven model. It primarily collaborates with equipment finance companies and other financial service providers to offer capital solutions to small businesses. Rather than marketing directly to business owners, Channel empowers its partners to deliver financing through a seamless, technology-enabled platform.

CIT Group, Inc. is one of the nation’s leading commercial lenders and an option for business owners seeking a traditional banking experience.

As a commercial finance company and a division of one of the biggest banks in America, CIT offers several advantages, such as multiple lending products, competitive rates, and integrated banking services. However, working with a large company could lose some of the personal touches you get with alternative lenders and brokerages.

Clicklease LLC is a financial services company that specializes in using technology to provide equipment leasing solutions for small businesses. It offers various products, such as lease-to-own options for equipment like computers, office furniture, and machinery.

Clicklease was founded in 2018 and is based in W Valley City, UT. The company has grown rapidly since its inception, catering to the needs of small and medium-sized businesses looking for flexible financing options for their equipment purchases. It has around 200 employees in Utah and Costa Rica.

Commercial Fleet Financing is an online lender that helps businesses get the vehicle(s) they need with equipment financing when they don’t have the capital to buy them outright. This review provides the ultimate guide to what you need to know about Commercial Fleet Financing to decide if the lender is right for your equipment financing needs.

Credibly is a viable lending option for business owners who need quick funding but don’t have the credit score to qualify for a traditional loan. The costs are higher than some short-term lenders, but it may be worth it if you can’t get approved elsewhere.

CreditStrong is a credit repair platform that offers a range of services designed to empower you on your credit-building journey. Through its installment credit products, the company allows you to demonstrate responsible financial behavior and improve your creditworthiness.

Many lenders provide equipment financing. But traditional lenders like banks and credit unions have strict requirements and take a long time to approve and fund loan requests.

Alternative lenders like Crest Capital aim to help you get the equipment you need faster without all the hassles of a bank loan. However, the lender might not be suitable for every small business.

Cross River Bank was established in 2008 and has quickly grown in the financial technology sector. Headquartered in Fort Lee, New Jersey, the bank operates as a state-chartered and FDIC-insured financial institution. Unlike many other banks, it has developed a reputation as a financial infrastructure provider, partnering with fintech companies to originate loans across several categories, including small business, consumer, and commercial real estate financing.

Cross River Bank is recognized for its hybrid model, which combines traditional banking services with fintech partnerships. It provides Banking-as-a-Service (BaaS) capabilities, allowing fintech companies to deliver regulated financial products. This model has enabled the bank to become a major originator of loans through its fintech partnerships, including consumer and business loans. Cross River’s financial products, including savings accounts and lending options, are often highlighted for their competitive features and rates compared to industry averages.

Delta Capital Group is a direct funder specializing in providing fast and flexible funding solutions to small and medium-sized businesses. Established to help companies address unexpected expenses and growth opportunities, Delta Capital offers several financing options tailored to meet specific business needs. The company prides itself on same-day funding options and a streamlined application process that minimizes the need for extensive documentation. Delta Capital Group has earned a reputation as the #1 funder in the industry.

DreamSpring is a national nonprofit Community Development Financial Institution (CDFI) that provides financial and wrap-around support to small businesses. Headquartered in Albuquerque, New Mexico, DreamSpring operates in 27 states and has become a cornerstone lender for many small businesses unable to qualify for bank financing.

Since its inception, DreamSpring has demonstrated a commitment to providing financial support to small business owners who often face barriers when seeking traditional financing options. The organization began as Accion New Mexico in 1994 and rebranded as DreamSpring in 2021, reflecting its mission to help entrepreneurs transform their dreams into thriving businesses.