Learn About The Industry’s Top Lenders

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.

Everlasting Capital is an alternative business financing company that provides working capital and equipment financing solutions to small businesses across the United States. It was founded in 2012 with a mission to provide accessible financing solutions. Since its launch, the company has positioned itself as a flexible funding partner for business owners who may not qualify for traditional bank loans or who need faster access to capital.

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.

Express Capital Funding is a direct lender offering same-day business funding nationwide. The company specializes in working capital solutions designed to help small business owners manage cash flow, cover unexpected expenses, capitalize on opportunities, and keep day-to-day operations running smoothly. Express Capital Funding has been in operation since 2013, indicating a long-standing presence in the market.

Headquartered in Anaheim, California, the company services businesses nationwide. It provides financing options across many industries, including construction, retail, restaurants, transportation, healthcare, and professional services. Its mission is to make the borrowing process simple for clients by providing clear communication, excellent service, and fast business funding.

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.

Fintegra is an alternative financing company that provides sales-based financing solutions to small businesses across the US. The company was established to make business funding more accessible, especially for owners frustrated with traditional lenders’ slow, arduous processes. It aims to provide an easier business financing experience than conventional banks.

Fintegra positions itself as a fast, secure, and transparent funding partner that uses financial technology to help business owners access working capital when they need it most. It claims to prioritize the needs of small businesses over its own financial gain.

First Class Business Group is an alternative business lending company that helps small business owners access capital through a range of funding options. Rather than operating as a traditional bank, the company connects businesses with financing solutions that better match their revenue, cash flow, and overall credit profile.

The company positions itself as a resource for businesses that may not qualify for conventional bank loans or SBA loans, including newer enterprises, companies with fluctuating revenue, or owners with less-than-perfect credit. By offering multiple financing products and working with a network of lenders, First Class Business Group aims to provide flexible funding solutions for a broad range of industries.

First Union Lending is an alternative business lending company that provides capital to small business owners. The company markets itself as a licensed lender while also operating as a broker that connects businesses with actual lenders. First Union Lending focuses on providing rapid financing solutions for small and medium-sized enterprises.

First Union Lending was established in 2010 and is based in Orlando, Florida. The company states that it has facilitated billions in funding across multiple loans for business owners nationwide. Its mission is to help business applicants access capital through a simplified process compared to traditional banks and other financial institutions.

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.

Formula Funding is a lender that provides alternative business financing solutions to help businesses access capital quickly and effectively. The company was founded on the belief that small business owners deserve more accessible funding options than traditional banks typically offer, especially when time-sensitive opportunities or cash flow challenges arise. Rather than following a one-size-fits-all lending model, Formula Funding focuses on structuring funding solutions that align with a business’s revenue, goals, and overall financial profile.

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.

Fox Business Funding is an alternative funding platform that provides fast financing for small- to mid-sized companies across various industries. The company specializes in providing short-term financing for businesses that have difficulty accessing traditional bank loans due to strict credit or revenue requirements.

Fox Business Funding has been operating since 2012 to assist businesses with working capital needs. The company is headquartered in Hollywood, Florida, and works with clients across the United States.

Fratello Capital is a business funding company that provides working capital solutions to small and medium-sized businesses. Headquartered in New Hyde Park, New York, Fratello Capital operates as a direct funder while primarily working through independent sales organizations (ISOs) and business loan brokers rather than directly with individual applicants.

The company was founded to create a more efficient, accessible funding experience for businesses that need capital quickly. Fratello Capital is committed to helping small and medium-sized companies access short-term business loans to sustain operations and grow revenue. Instead of relying on rigid bank underwriting standards, the company evaluates a business’s cash flow and overall ability to repay.