Learn About The Industry’s Top Lenders

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.

Essential Funding is a business funding broker and consulting company based in Westbury, New York. The company was launched in 2020 during the COVID-19 pandemic—a time when many small businesses were struggling to access capital and maintain operations. Its mission appears to be to provide professional services that help businesses secure funding quickly and efficiently through a network of lending partners.

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.