Learn About The Industry’s Top Lenders

eBay Seller Capital is a program designed to assist sellers in expanding their businesses by offering tailored financing solutions for inventory and other expenses. eBay is not a lender and does not make credit decisions or provide loans directly to sellers.

Instead, eBay Seller Capital partners with third-party financing providers to expand capital availability for eligible sellers based on their sales history. The third-party provider determines the terms and conditions of the loans or cash advances, and eBay Seller Capital does not guarantee approval.

Elevation Capital is an online lender specializing in alternative options like merchant cash advances, accounts receivable financing, and purchase order financing.

However, the business cash advance provider might not be the right fit for every company. The borrowing options can carry higher costs, and you need high annual revenue to qualify.

Emerald Investment Management specializes in private equity, senior living, and real estate investments. It offers tailored guidance to help clients reach their financial goals through a diverse portfolio. The company’s commitment to excellence ensures clients receive expert advice for long-term asset optimization.

Small businesses with low credit scores or less than a year in business often struggle to find financing. Companies like Everest Business Funding seek to solve this problem with a merchant cash advance.

Expansion Capital Group (ECG) is a direct lender that specializes in providing short-term financing to small and medium-sized businesses across the United States. Expansion Capital Group is headquartered in Sioux Falls, South Dakota, and was founded in 2013. Since its inception, the company has focused on providing financial support to business owners who might struggle to qualify for traditional bank loans. The company has funded over $1.5 billion to more than 25,000 small businesses nationwide as of 2023.

ECG provides financing options for businesses that traditional lenders underserve. These include working capital solutions, revenue-based financing, and equipment leasing. ECG offers industry-specific solutions for underserved enterprises, tailoring each loan or advance to align with the company’s cash flow and growth objectives.

Falcon National Bank is a Minnesota-based community bank that emphasizes local ownership, personalized customer service, and strong community involvement. Founded with the mission of supporting individuals and businesses in its region, the bank has grown into a recognized lender for small and medium-sized enterprises (SMEs).

Falcon National Bank has six physical branches in Minnesota, located in Foley, St. Cloud, Maple Grove, Richmond, Ham Lake, and Isanti. With these branches, it maintains a close connection to the communities it serves.

Small business loan marketplaces like Fast Capital 360 can help connect business owners struggling to find funding to lenders who can meet their needs. You can complete a single application and receive multiple loan offers.

However, the lending facilitator might not be the right choice for every business. The costs can run high, and you don’t have as much control over which products are available.

Figure is a fintech company and online lender that specializes in home equity products, refinancing, real estate investor financing, and crypto-collateralized lending. The company’s mission is to simplify home equity financing through digital automation and blockchain-enabled infrastructure. By streamlining document flows, appraisal, and underwriting via technology, Figure aims to reduce friction and cost in home equity lending (particularly home equity lines of credit).

Figure is headquartered in San Francisco, California. The company was founded in 2018 by former SoFi executives Mike Cagney and June Ou. Since its launch, Figure has experienced rapid growth in the online lending space.

Finance Factory is an online lending marketplace that provides startup funding and consultancy services. It can help small business owners and aspiring entrepreneurs find the best options to start or grow their companies.

However, you might pay more to use the service as it charges a high origination fee. Even so, the cost might be worth it if you need funding and are unsure where to start.

Financial Pacific Leasing Inc. from Umpqua Bank offers equipment leasing and financing to small businesses. They specialize in financing agreements for equipment up to $150,000.

Finova Capital is a financial services company headquartered in Rochelle Park, New Jersey. It operates as an alternative lender offering working capital solutions, merchant cash advances, and equipment financing to small businesses and independent sales organizations (ISOs).

The company was founded to bridge a common gap in the marketplace—helping small businesses that banks underserve access to quick and customized financing solutions. Finova Capital targets micro-entrepreneurs and professionals often underserved by traditional financing institutions.

FinTap is an online business funder that provides Revenue Based Financing (RBF) solutions to small businesses needing quick access to working capital. Its core mission is to offer flexible financing options that simplify the funding process, removing the red tape associated with many lenders. Rather than relying solely on credit scores, FinTap focuses on a business’s cash flow and sales to provide funds based on projected revenue.

Founded to help underserved businesses, FinTap operates as a direct funder and positions itself as a resource for businesses that may not qualify for traditional loans. The company’s website emphasizes speed, flexibility, and transparency as key pillars of its service.

Flexibility Capital is an online small business lender headquartered in New York, New York. Founded in 2018, the company’s mission is to provide fast, honest, and transparent funding solutions to help small businesses grow. As a direct lender and financial marketplace, it serves businesses across a wide range of industries—from retail and restaurants to construction, manufacturing, and professional services.

The company was established with a simple idea: business owners shouldn’t have to sacrifice time or peace of mind to access capital. Flexibility Capital built its model around speed, support, and customer service. Its core values—professionalism, communication, and trust—are at the heart of the brand’s promise. In interviews and company statements, its leadership emphasizes that every client deserves a knowledgeable and dedicated team to make the process seamless and stress-free.

Forward Financing is a Boston-based lending company that provides financing to small businesses nationwide. The fintech company uses a revenue-based financing model to fund businesses that might not qualify for traditional loans.

Many small businesses struggle to find funding when they’re younger or have low business credit scores. Forward Financing seeks to solve these challenges with an underwriting process that bases approval on a company’s revenue and cash flow.

Fountainhead Commercial Capital is a direct commercial lender dedicated to providing financing solutions tailored specifically for small businesses. Their focus lies in supporting entrepreneurs and small business owners looking to expand, invest in new equipment, or acquire commercial real estate.

While many lenders and lending marketplaces offer various funding options, Fountainhead aimed to simplify the process by focusing on three loan programs: SBA 504 loans, SBA 7(a) loans, and Conventional Loans for commercial real estate.

Fundation is a Virginia-based online business lender that offers various small business loans. Their lending rates are similar to those provided by community banks, making them an attractive option for small businesses needing financial assistance. However, as of October 2020, Fundation paused its business lending operations.

Fundbox has an excellent online reputation. This is particularly true for their customer service. Fundbox’s line of credit or a Fundbox term loan can help businesses in need of immediate funding. The application process is easy and streamlined. Once funding is approved, you can usually add funds to your business checking account within 1-2 days, and sometimes you can get funding by the next business day.

Fundera is a financial technology (fintech) company that acts as a business funding matchmaker. It helps connect entrepreneurs with different business lenders. Part of Fundera’s approach is simplifying the funding process by providing a lending marketplace where companies can find suitable small business loans.

Fundible is a financing solution for small businesses founded in 2017. This company helps businesses that often struggle to get loans from traditional financial institutions like banks and credit unions. Many small business owners face rejection from banks due to strict lending criteria. Fundible aims to change that.

The lending platform offers various loan types, including term loans and lines of credit. It provides direct loans to eligible businesses. It also partners with a network of other lenders. This partnership expands the options available for business loans. Through this network, Fundible connects borrowers with lenders who can meet their specific needs.