Lightspeed Capital is best suited for qualified Lightspeed Payments customers who need fast working capital. It doesn’t require a credit score check or collateral, so it’s also a good fit for credit-challenged business owners without high-value assets.
Established businesses with excellent credit, high revenue, and assets to pledge as collateral can find more advantageous and less costly business loans. However, it provides fast funding, and the open-ended term is attractive.
Lima One Capital is a private hard money lender specializing in real estate investment loans. It caters to investors seeking financial support for their real estate ventures. Qualified borrowers can access substantial capital to pursue their investment goals, allowing individuals with ambitious projects to secure the necessary funds.
LoanBuilder, a PayPal Service, is a small business lending option that provides short-term loans. It is essentially interchangeable with PayPal Business Loans.
However, it shouldn’t be confused with PayPal Working Capital, which works like a merchant cash advance. LoanBuilder, on the other hand, works more like a traditional business term loan.
LoanMe is an online lender that offers both personal and business loans to borrowers across the nation. The company was founded in 2013 and is headquartered on State College Blvd in Anaheim, California. LoanMe built its business model around offering fast, accessible funding for individuals and small business owners who often faced challenges obtaining loans from traditional banks.
LoanMe is known for providing personal and business loans primarily to borrowers with subpar credit histories. Its goal is to help borrowers access emergency business funding and improve their financial standing through on-time payments.
Loot is an online business funding platform that aims to simplify and accelerate access to capital for small business owners. The company was founded with a mission to offer quick, flexible funding solutions through a fully automated platform. Loot helps businesses across industries manage cash flow and grow by providing an easy way to apply for funding without the red tape often associated with banks.
Mantis Funding LLC is a small business financing company based in Boca Raton, Florida. The company was founded to offer alternative funding solutions to small business owners who might not meet traditional bank criteria but still have strong, consistent sales.
According to its website, Mantis Funding aims to provide customized alternative funding solutions for small businesses. The company focuses on working capital options designed to match each business’s unique cash flow financing needs.
Marlin Capital Solutions (now PEAC Solutions) is a nationwide financing provider for business equipment and working capital. Like any lender, the company has its upsides and downsides.
The Merchant Marketplace is a fintech-driven funding platform that targets small business owners, brokers/ISOs, and investors, especially within the merchant cash advance ecosystem. The company’s mission is to democratize access to capital for businesses that may not meet conventional bank-loan criteria, while simultaneously providing syndication and investment opportunities for accredited business investors.
Mint Funding is a merchant cash advance company that focuses primarily on ISO partnerships rather than direct-to-merchant funding. The company positions itself as a funding source for brokers and referral partners who sell MCA loans to small businesses in need of working capital.
Moby Capital (MobyCap) is an alternative business lending company that provides tailored financing solutions for small and midsize businesses. The company is headquartered in Austin, Texas, and positions itself as a trusted partner for entrepreneurs seeking fast working capital to meet urgent needs or fuel business growth.
In line with the company’s core values, MobyCap’s mission is to offer transparent, flexible financing programs, backed by a team committed to supporting business owners at every step of the funding process. The company has helped over 5,000 businesses access more than $2 billion in funding.
Small business owners have many lending options, from large commercial banks to small alternative lenders. Mulligan Funding is the latter, but the family-owned company provides up to $2 million in business funding.
The online lending company focuses on delivering outstanding customer service and developing lasting relationships through its renewal program. However, it might not be suitable for every small business, especially since it lacks transparency on costs.
National Business Capital (NBC) is a business loan marketplace that connects small business owners to its extensive network of over 75 lenders through a single streamlined application. Founded in 2007 and headquartered in Hauppauge, New York, NBC has grown into one of the most recognized names in small business financing.
National Business Capital acts as a marketplace connecting clients with multiple lenders. Unlike a direct lender, NBC doesn’t issue loans itself. Instead, it matches businesses with financing options tailored to their needs. By working with banks, credit unions, and alternative business lenders, NBC enables entrepreneurs to compare offers across a broad range of loan products.
New Century Financial (NCF) is a factoring and financial services company headquartered in The Woodlands, Texas. The company provides invoice factoring for U.S.-based businesses that need immediate cash flow support without taking on traditional loan debt. Its financial services focus on B2B companies that issue invoices and wait for payment from customers, vendors, or government entities.
Since opening in 1985, New Century Financial has purchased over $1 billion in accounts receivable. The company serves a wide range of industries, including manufacturing, distribution, staffing, transportation, oil and energy, wholesale supply, and service-based businesses. Its services are available nationwide, and the company positions itself as a long-term strategic factoring partner for growing organizations.
NewCo Capital Group is a leading FinTech alternative business lending company dedicated to empowering small and medium-sized businesses with fast, flexible funding solutions. Founded in 2020, the company is headquartered in New York, New York, and has rapidly become a recognized name in the alternative lending industry.
One of the top lenders for large borrowing amounts is Newtek Small Business Finance. Newtek provides SBA loans, term loans, and business lines of credit. The business solutions company also offers HR management services, IT services, and more.
North Mill Equipment Finance is a national lender that offers equipment loans and leases. It brings several decades of industry experience and offers specialized programs.
However, businesses cannot apply directly to the company. It exclusively works with a network of third-party referral agents who bring deals to the lender.
Novo Funding is a merchant cash advance (MCA loan) product available to existing Novo customers on its business banking platform. The financing is provided by Novo Funding LLC, a wholly owned subsidiary of Novo Platform Inc., headquartered in Miami, Florida. Novo offers a free business checking account.
Most traditional lenders have stringent requirements, making it difficult for small businesses to obtain loans. Small businesses often seek MCAs as a fast business funding solution when conventional loans are not feasible.
Olympus Business Capital is an alternative small business funding company offering fast working capital solutions for U.S. based businesses. The company is headquartered in Utah and operates as a lending platform focused on speed, flexibility, and accessibility. Its mission is to help companies that may not qualify for traditional financing gain access to the money they need to support operations or business expansion.
Olympus Business Capital primarily serves small businesses needing quick access to working capital and equipment financing. It works with companies in a wide range of industries, including retail, transportation, hospitality, construction, and professional services. The company highlights expertise in assisting businesses that may struggle to obtain conventional bank loans, including those with cash flow challenges or lower credit scores.
OnDeck is widely viewed as one of the most reputable and established online business loan lenders. OnDeck’s business model and products have multiple features that set them apart from the rest of the industry. By incorporating elements of traditional and non-traditional lenders, OnDeck can solve a massive range of cash flow issues.
One Park Financial is a financial services company headquartered in Miami, Florida. Founded in 2010, the company’s mission is to make business funding more accessible for small and mid-sized businesses that struggle to qualify for financing through traditional banks. Its guiding philosophy is that all small businesses — not just big corporations — deserve access to the capital they need to grow and succeed.
Use our simple online application to submit a request for business funding. If you need any help along the way, just give us a call, chat or email.
An expert, knowledgeable account executive will walk you through all the fine details and the requirements. This is to ensure you have all the info you need.
Once your funding has been approved & closed, the lender sends the funds to your account so you can start using it to grow your business.
