Learn About The Industry’s Top Lenders

Kalamata Capital Group primarily operates by offering revenue-based funding, typically structured as a merchant cash advance (MCA). Rather than providing a traditional term loan with fixed monthly payments, Kalamata Capital normally advances a lump-sum capital injection in exchange for a portion of the business’s future sales. This product may also be listed as a business cash advance.

Funding amounts can vary based on the business’s revenue, account activity, and transaction history. The company states its advances go up to $750,000. The cost of capital is usually expressed as a factor rate rather than an interest rate, which is typically a simple calculation, but costs can run high. It’s often challenging to compare factor rates to conventional business loan interest rates.

Small business owners who need quick funding for business loans might be interested in Kapitus. The lender offers a fast approval process, quick funding, and a wide range of financing products.

Key Equipment Finance, backed by KeyBank, provides various flexible financing options for essential business equipment. However, the company might not be right for every small business.

It doesn’t provide an online application or publish interest rates or fees. This review can help you decide if Key is suitable for your equipment financing needs by covering the benefits, drawbacks, and application process.

Small business owners have many financing options, including traditional and alternative lenders. While online lenders provide speed and convenience, some businesses prefer the traditional experience of a brick-and-mortar bank.

KeyBank is one of the largest in the US, providing a robust small business lending program. It is also an SBA-preferred lender.

However, the bank might not be a suitable lender for every small business. It provides very little information on funding times, eligibility, and costs.

L3 Funding is a merchant funding company that provides alternative financing solutions to small and mid-sized businesses across the United States. The company focuses on helping business owners who may struggle to access traditional bank financing due to credit challenges, limited operating history, or urgent funding needs. L3 Funding offers three main types of merchant funding: business cash advances, business loans, and lines of credit.

Legend Funding, also known as Legend Advance Funding, is a business funding company that provides working capital solutions primarily through merchant cash advances. The company serves small business owners nationwide who may not qualify for traditional bank loans or need funds faster than banks can provide. Its stated mission centers on helping businesses access capital efficiently while keeping speed and service a top priority.

Lendesca is a financial technology company dedicated to helping small businesses and self-employed individuals secure funding through tax credits and loans. The platform understands the unique financial needs of its target audience and offers specialized loan solutions designed to address those challenges.

With Lendesca, business owners can access capital quickly, providing the crucial financial support needed to manage expenses, invest in growth, or recover from setbacks. Whether it’s funds for equipment, working capital, or acquisitions, Lendesca’s tailored approach aims to empower business growth and financial stability.

LendingPoint is an online lender specializing in personal loans with lower qualifications than banks and much faster funding times. In addition, the online lender recently added some small business point-of-sale partnerships for companies to offer their customers term loans to pay for goods and services.

However, the online lender won’t work for every business or startup need. We can help you decide if LendingPoint’s options could work for your startup or sales process by covering the benefits, drawbacks, and application process.

Small business loan marketplaces like LendingTree help connect companies to multiple lending offers from a vast lending network. Business owners of all credit scores, industries, and time in business can apply to the lender network.

The tradeoff for the convenience of the service is additional fees and your information going to many institutions who may contact you persistently. The service works for some small businesses, but not all.

Lendini is a business funding provider offering merchant cash advances and other short-term funding for small business owners. The company targets merchants who need quick, flexible financing and may not qualify for traditional loans due to limited business credit history, low credit scores, unique industries, or non-traditional revenue patterns. Lendini offers funding based on future receivables rather than traditional credit requirements, emphasizing a business’s ability to repay based on upcoming sales rather than past borrowing history.

Lending marketplaces like Lendio reduce the time and stress of finding lenders by matching your application with its lender partners. It offers many lending options with different qualifications through its network of 75+ lenders.

However, the costs could run high depending on the Lendio business loan and lender.

Lendistry is an excellent option for small businesses in underserved areas that need business funding. Its qualifications are more stringent than most online lenders, but the costs are low if you qualify.

Lendr is an alternative business financing company headquartered in Chicago, Illinois. Founded initially as Viking Capital Group in 2011, the company rebranded as Lendr in 2016 to focus on digital business funding solutions.

Since its inception, Lendr has funded over 30,000 businesses and provided more than $250 million in total financing. The company also claims an 80% returning client rate, showing strong repeat customer loyalty. Lendr focuses on providing high-speed working capital to small businesses with limited credit history.

LendSpark is a California-based direct lender that provides business financing solutions designed for companies that may not qualify for traditional bank loans. The company focuses on delivering capital through customized funding structures rather than one-size-fits-all products, serving a range of industries and business entities across the United States.

LendSpark provides fast business funding, with some loans available for next-day funding. It specializes in equipment financing and working capital loans for businesses that cannot obtain funding from traditional banks. Its stated mission is to help companies access capital to support operational stability and business expansion, while offering a streamlined lending process backed by experienced underwriting.

Lendtek is a cutting-edge small business loan marketplace designed to simplify and expedite the process of securing business financing. By leveraging advanced technology and artificial intelligence, Lendtek connects small business owners to a network of trusted lenders, enabling them to compare loan options tailored to their needs.

Founded in Island Park, NY, Lendtek has helped thousands of businesses secure funding, with millions of dollars disbursed to date. Lendtek’s mission is to empower small businesses by providing access to diverse financing options.

The number of traditional and alternative lenders available today makes it difficult for small businesses to locate the best options for their needs and qualifications. You can visit a local bank or apply to one of the many online funders.

Services like Lendza aim to reduce the guesswork and time-consuming research of finding a funder. Business owners can apply to the service once, and it tries to pair you with the best lender for your needs.

However, Lendza might not be suitable for every small business. Some business owners prefer working with a direct funder. Others might want a full-fledged marketplace that provides additional services.

Lexington Capital Holdings is a financial services company that focuses on helping business owners secure funding solutions for small and medium-sized businesses (SMBs). It is not a direct lender but maintains relationships with dozens of lenders. The company helps connect business owners with these lenders to obtain financing solutions.

Lexington Capital Holdings’ unique position lies in its ability to maintain a network of alternative and traditional lenders. This diverse network allows the company to offer various financing options.

Lexio Capital is an alternative business funding company that focuses primarily on revenue-based financing programs for small businesses. Instead of offering a traditional business loan, Lexio Capital provides small business financing by purchasing future receivables at a discount. In this structure, a company receives an upfront cash payment and repays it over time based on sales volume.

The company operates as a business-funding provider and broker, connecting qualified clients with financing solutions that align with their cash flow and revenue patterns. Lexio Capital is headquartered in Hollywood, Florida. It serves customers across the United States. Its services are designed for small businesses that may not qualify for conventional bank financing but are still profitable and generating consistent revenue.

Libertas Funding is an online financial services enterprise that funds merchant cash advances (called “revenue-based financing”) and facilitates business term loans.

However, the company is not a good fit for every small business. Its high credit score, time in operation, and revenue requirements are geared more toward medium-sized companies.

Lifetime Funding is an alternative small business funding company that provides access to a variety of business loans and working capital solutions. The company focuses on small- to mid-sized businesses that need flexible financing options beyond traditional bank lending.

Founded to address common financing gaps entrepreneurs face, Lifetime Funding positions itself as a resource for fast business loans and personalized service. Many small businesses apply for loans specifically for expansion, not just survival, and Lifetime Funding markets its solutions as tools to support growth, opportunity, and long-term success.