Learn About The Industry’s Top Lenders

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.

Coast Funding is an alternative business financing company that provides working capital, business loans, and specialty financing programs to help small businesses access capital quickly. The company works with a wide range of industries, including retail, construction, health services, transportation, restaurants, and various professional services. Its mission is to help business owners secure fast, tailored capital while maintaining a simplified, flexible process.

The company was founded in 2020 and is headquartered in San Diego, California. Coast Funding states that it aims to provide personalized funding solutions through a consultative approach, guiding each client to a program that aligns with their financial situation and goals. The company is committed to guiding clients to responsible funding decisions.

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.

Currency Capital, often referred to simply as Currency, is an alternative business lending company that focuses primarily on equipment financing for small and medium-sized businesses. Founded in 2001 and headquartered in Scottsdale, Arizona, the company was created to simplify access to equipment loans and leases through modern technology and a broad lender network.

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.

Dimension Funding is a California-based commercial financing company. Established in 1978, the company has built its reputation over more than four decades by providing financing solutions for small to medium-sized businesses looking to acquire equipment and software without large upfront capital outlays.

Direct Capital Fund is an alternative business financing company headquartered in Miami, Florida, that serves small businesses seeking fast access to capital and flexible funding solutions. The company presents itself as a professional services provider focused on helping clients secure capital when traditional banks may not accept their loan applications or when they need fast business funding.

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.

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.

eFinancial Tree, also known as eFin Cap, is a direct funder operating in the alternative business lending industry. The company provides working capital to small businesses and primarily works through Independent Sales Organizations (ISOs) that submit deals on behalf of merchant clients.

It emphasizes transparency, flexibility, and speed as core components of its operations. Each submission is evaluated individually so the underwriting team can understand the specific needs of the business requesting funding.

Elevate Funding is a small business funder that specializes in revenue-based finance. Founded in 2015 and headquartered in Gainesville, Florida, the company provides working capital solutions to help businesses manage cash flow challenges and access fast financing without the strict requirements of traditional loans. Its mission is to provide transparent, sustainable, and straightforward funding to small businesses nationwide.

The company highlights a culture built around communication, customer support, and a streamlined application process. Its services are designed for small and midsize businesses that need consistent access to capital for daily operations, emergencies, or growth opportunities. Elevate Funding serves a range of industries, including restaurants, retail, and medical practices.

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.