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Invoice Factoring companies. Recommended companies list by industry colleagues for invoice factoring. Invoice Factoring Companies It’s common for businesses that rely on accounts receivable to run into cash flow problems. Invoices aren’t due for 30 to 90 days, potentially leaving you without the capital you need to take on a new project. Invoice factoring is a form of financing that allows small and medium businesses to receive cash advances on their accounts receivable. It grants you the ability to provide an immediate solution to your cash flow needs and eliminates the usual 30-60 day waiting period for your outstanding invoices. This way, you don't have to wait for the application process of an SBA Loan or other term loans , and maybe at a lower cost than a line of credit , and revenue-based financing . As a business owner, you understand the frustration of late payment cycles. It can lead to serious cash flow constraints, causing business owners to fall behind on important expenses or forcing them to pass up opportunities to expand the business. For brokers, included in this list are companies that have been recommended by other loan brokers. Get started with invoice factoring today. Choose the right invoice factoring company for your business. This is not an endorsement for these companies, so please perform your own due diligence before working with them. Advertising Disclosure altLINE Unlike other factoring companies, they're a bank. Founded in 1936, The Southern Bank has served as a reputable and reliable community lender in its Northeast Alabama footprint for over 80 years. Factoring with a bank has its benefits. We’re a direct source of funds, whereas our competitors are middlemen between you and their senior lender. That increases their cost of funding your invoices. Without those additional borrowing costs, we can pass our savings on to you. Looking for the highest degree of flexibility? Invoice factoring gives you the freedom to sell open invoices and receive cash for a set discount fee. Apply Visit Site 1st Commercial Credit At 1st Commercial Credit, they realize that financing the growth of your business can be a challenge. Newly developed or established businesses selling on credit terms will eventually need more working capital due to growth. If your credit sales to commercial accounts have created a cash flow shortage in your business, then your company will benefit the most by utilizing our invoice financing service. Business owners realize that there is no need to borrow money from a bank in order to offer credit terms to customers. Financing & Asset-Based Lending Higher Advance Rates than Banks No financials required 3 to 5 day initial setup Acceptable collateral for most asset-based loans (ABLs) includes accounts receivable, inventory, business equipment, and factory machinery. Appropriate inventory may be both finished goods and marketable raw products. In some instances, lenders may request certain personal assets of business owners as collateral. Apply Visit Site Rev Capital We are the leading provider of full-service factoring services in Canada and the United States , with seven offices across North America. We support thousands of businesses with invoice management, credit underwriting, and collection services. By offering dedicated support and transparent access to the factoring process, we help our clients grow their operations, maintain their competitive edge, and become leaders in their industries. At REV Capital, doing business with full transparency isn't just a selling proposition, it's a core belief. That’s why we offer our clients complete visibility into every transaction on their account. Find out when your receivable is closed, whether we've received non-funded payments, and how much you pay on every invoice. If you ever need any clarification, your Client Relationship Manager is always a phone call away. Apply Visit Site Drip Capital Drip specializes in efficient working capital solutions, offering both payable and receivable finance solutions. While our core expertise lies in financing international trade, we extend our services to facilitate domestic transactions within a country. Our goal is to provide seamless underwriting and financing options for businesses of all sizes, catering not only to SMEs but also to large enterprises. Utilizing technology, we aim to transform the landscape of working capital solutions, making it accessible and straightforward for businesses, regardless of their scale, to meet their financial needs. We pay your domestic and international vendors. You pay Drip up to 120 days later. Up to $3 million USD Get funded in 24 hours No prepayment penalties Apply Visit Site FundThrough FundThrough is a leading fintech company that enables businesses to access unlimited capital based on the value of their outstanding customer invoices. Its platform lets businesses connect their accounting software and directly submit invoices for funding. On average, FundThrough improves its clients’ cash flow position by reducing their wait time by 97%. The company serves clients across the United States and Canada. FundThrough is the most powerful invoice funding platform that lets you access capital on your terms. Stop Waiting for Payments FundThrough's invoice funding platform lets you access working capital that's tied up in accounts receivable due to slow-paying customers. Take On Large Clients Have full confidence knowing you can unlock the full value of your unpaid customer invoices. Fill larger orders and take on bigger customers, on your terms. FundThrough provides a dedicated support team to help you identify funding opportunities and help your business grow. Your success is the true measurement of our own. Apply Visit Site Triumph Business Capital For almost two decades, Triumph Business Capital has provided invoice factoring to thousands of businesses and transportation companies. At their core, they are in the business of helping people Triumph and they know their success is measured by the value they bring to each of our relationships. The strength of their commitment is reflected in product innovation, the strong strategic partnerships they’ve established, and the clients who have allowed them to help others achieve a better financial life. INVOICE FACTORING FOR TRANSPORTATION Get paid the same day while Triumph takes care of invoicing and collections for you. FLEET FACTORING You need a partner that is sized to scale and focused on your drivers getting paid on time. Our integrated solutions give you access to truck insurance, fuel savings programs and equipment financing. FREIGHT BROKER FACTORING We know managing cash flow, protecting your credit rating and securing truck capacity is top of mind. Fast financing from Triumph protects your shipper relationships, gets your carriers paid fast and guides you on your path toward success. Apply Visit Site LSQ LSQ expands access to financing with an end-to-end platform that provides on-demand access to capital and seamless management of invoices & payments. LSQ FastTrack™ enables faster, more transparent decision-making, payment certainty, and risk mitigation—all through an intuitive interface. Easy to implement, FastTrack accelerates the delivery of working capital. With over $25 billion in funds deployed over the last 25 years, LSQ understands how business gets done, ensuring success for enterprises of all sizes. LSQ will pay up to 90% of your invoice within 24 hours, and the remaining amount is paid on the due date. Access credit facilities up to $50MM to scale with your business’s growth. Get same day funding by freeing up cash trapped in unpaid invoices. Apply Visit Site Universal Funding Corp Universal Funding will turn your unpaid invoices into cash through invoice factoring. Apply online in minutes and get the capital you need to grow your business. Factoring rates can vary from below one percent to over five percent of the face value of the receivable. Universal Funding’s fee can be as low as 0.55%. They will typically advance from 80 – 95% of your accounts receivable. Funding within 24 hours Rate as low as 0.55% $25,000 - $5,000,000 Invoice Credit Line Apply online in minutes No hidden fees Apply Visit Site Gateway Commercial Finance Gateway Commercial Finance’s goal is to become a strategic partner by offering an array of financial products to pre-bankable businesses. Whether they lack the operating history or present financial condition to qualify for traditional financing, Gateway Commercial Finance may have a solution. Sell Your Outstanding Invoices to Get an Instant Cash Flow Boost GCF customer retention rate is 1.9 times the industry average. They offer 30-minute application approval, low rates, high advances and 24-hour funding. Don’t wait 30, 60 or 90 days for your customers to make payments anymore. Learn how to turn your debtors into assets. Sell your outstanding accounts receivables to GCF and get fast cash flow funding. Currently offering accessible and quick cash flow solutions to businesses in most fields up to $5,000,000. GCF application process is simple, and we offer same day account approval. Their rates are the most competitive in the industry and they are ready to work for you to put cash in your company's bank account quickly! Apply Visit Site CapFlow Funding Group CapFlow Funding Group is a New Jersey private commercial lending platform specializing in factoring, accounts receivables and inventory financing, purchase order funding as well as other asset-based lending solutions. The three managing partners of CapFlow each bring to the table more than 60 years of institutional investment banking experience in the credit and asset-based lending markets. CapFlow provides financing solutions to our clients that allow for growth and provide immediate liquidity to pay suppliers, vendors, and employees. In addition to providing needed working capital, CapFlow solutions help create operating efficiencies in accounts receivable management, allowing our clients to devote more of their time and resources to running their business and delivering their products and services. Apply Visit Site

NISO Resources, education, & media company for the commercial finance industry Partner Inquiry NISO At Niso, we understand MCA companies' challenges in today's fast-paced business environment. With 13 years of experience in the industry, we bring together a unique combination of data science and technology skills, MCA industry knowledge and expertise, and business and financial acumen to offer innovative solutions that help our clients succeed. Fill in the form to have someone contact you. Submit Your Information Name Email Phone Company Submit Thanks, someone will contact you soon!

After many years working for funders in the small business finance industry, our founder noticed a lack of a primary source that provides the information funders need to grow their partner base with quality Independent Sales Organizations(ISO) and other top loan brokers. Our Story Funder Intel was founded by Shane Mahabir, an entrepreneur deeply embedded in the business lending and fintech ecosystem. After working closely with brokers, funders, lenders, and software providers, Shane saw firsthand how fragmented information and misinformation could slow growth, create friction, and distort decision-making. Funder Intel was created to bridge that gap, combining journalism, education, and community into a single, accessible platform. Today, Shane continues to lead Funder Intel’s content direction, industry coverage, and strategic initiatives, with a focus on elevating conversations and building resources that serve the long-term health of the business lending industry. Our Vision Our vision is to become the most trusted source of intelligence in business lending. Not just a media site. Not just a directory. But a platform that professionals return to because it consistently delivers value, perspective, and clarity. As the industry matures, Funder Intel aims to help raise the standard for information, transparency, and collaboration. Intel At Funder Intel, intel isn’t just a buzzword; it’s the foundation of everything we do. We deliver a centralized hub of timely business lending insights that professionals actually use, from trend analysis and industry news to deep-dive content, curated vendor lists, and original reports. Whether you’re a broker, funder, lender, or fintech partner, our goal is to help you stay informed, make smarter decisions, and grow your business with real-world knowledge you can act on. Bio Shane Mahabir - Founder and President of Funder Intel. Shane started out in the alternative business lending industry in 2014 by joining a startup. He moved on to other Funders working in sales and back into ISO departments in various roles. He started his own broker company before the pandemic hit. That’s when he decided to go down the path of building Funder Intel. Shane has written countless articles on the business lending industry, created multiple courses, interviewed industry experts, and led a mastermind group of experienced ISO owners. Shane got his MBA in Entrepreneurship and Family Enterprise from LSU and has a BA in Business Management from UF. Shane is a native Floridian who currently resides in Boca Raton, FL. Connect with Shane On LinkedIn

Upfunding Resources, education, & media company for the commercial finance industry Partner Inquiry Upfunding Business funding that fuels your growth today. Competitive Commissions: Become a partner today ! Join us and enjoy the most competitive commissions in the market. Fast responses: Our experience has taught us that fast responses are critical to close a deal. Expect an answer from us within a couple of hours! Fill in the form to have someone contact you. Submit Your Information Name Email Phone Company Submit Thanks, someone will contact you soon!

A forum for industry members to engage with others about everything commercial finance, alternative business finance, fintech, and more. Gain new partners and find more deals. To see this working, head to your live site. All Posts Categories My Posts Login / Sign up Forum Engage and network with members on all topics related to business lending, fintech, and other financing. Sort by: Recent Activity Follow All Categories Funder Intel Admin Verified Forum Posting discontinued* in Everything Else Reminder, our Forum is no longer accepting posts and everything will be moved into our Groups, which still provides our members the ability to post similarly, if not with more functionality than the Forum. So all future posts will be in the Groups, and we are consolidating the Groups to simplify thi 0 Sep 03, 2025 Like Comment STEVE BENJAMIN Verified Accessing Homeowner Equity for your business working capital needs in Other Business Finance Many of you have reached out to me about using real estate to cover overleveraged MCA merchants. Unfortunately the biggest issue we run into is that these merchants only have their primary residence as ther real estate asset. I now have access for these scenario's - licensed in 33 states as follo 0 Aug 01, 2025 Like Comment Randy Forker Verified Are there any lenders in Everything Else Are there any MCA lenders that accept BlueVine bank statements and 15k monthly revenue ? 2 1 Jul 30, 2025 Like Comment David R Verified Looking to fund Canada ? in Revenue-Based Financing looking to fund canada ? KMCapital has you covered! for ISO & Guidelines please email me David@kmcapital.ca 1 0 Jul 29, 2025 Like Comment STEVE BENJAMIN Verified Personal loans in Other Business Finance Here's some information on personal loans and business credit cards. W2 = 30 days of recent pay stubs Self Employed = 2 year tax returns & 4 months biz bank statements). Most recent personal tax return. Tri merge credit reports: https://www.myscoreiq.com/get-fico-preferred.aspx?offercode=4321 0 Jul 24, 2025 Like Comment STEVE BENJAMIN Verified Trucker equipment financing questions to ask... in Other Business Finance If you are talking to a trucking company who needs money, ask Use of funds - equipment financing, working capital or each/both? Break it down. Loans up to 7 years and rates 8% and up. Programs for Fico 680 and up 620 to 680 Below 620 Amount of money requested... Day cab, sleeper or what Lon 1 0 Jul 23, 2025 Like Comment STEVE BENJAMIN Verified $450K in MCA debt - can't make payments, but has home equity in Other Business Finance Merchant in Arizona has $450,000 in MCA debt. Has a first mortgage of $577,000 at 6.8% on a primary residence worth $2MM+ Got him a new first mortgage of $1.5MM 30 year fixed at 7.35% paying off all of his MCA's and giving him plenty of working capital freeing his business of all debt. Broker w 2 0 Jul 19, 2025 Like Comment STEVE BENJAMIN Verified Hard Money Real Estate Loans in Other Business Finance If it's a basic hard money property loan, I have been doing a lot of them.....have several lenders I use. Some are blanket loans covering all properties with one loan. Some require loan on each property. You can finance investment property - residential 1 - 4 units, more than 4 units, mixed use pr 2 0 Jul 17, 2025 Like Comment STEVE BENJAMIN Verified Trucker has 9 trucks, defaulted with Everest... in Other Business Finance Broker reached out to me. Here's the documents I need: I need loan app, 4 months business bank statements, pictures of trucks, copy of title, pictures of vin, condition report, and equipment spread sheet. In this case, the borrower will most likely need a co-signer. Advised the broker accordingly. 1 0 Jul 15, 2025 Like Comment Funder Intel Admin Verified Fundbox Opens New York City Office in Everything Else July 08, 2025 (GLOBE NEWSWIRE) -- Fundbox, the leading capital infrastructure provider for the digital SMB economy, today announced the opening of its New York City office. Located in the Meatpacking District, the new office underscores Fundbox’s continued investment in expanding its reach within on 1 0 Jul 09, 2025 Like Comment Funder Intel Admin Verified CHANGES COMING TO THE FORUM** in Everything Else You Spoke. We Listened. A Better Way to Connect is Here. We’ve been paying attention — and we heard you loud and clear. The forum was good... but it wasn’t great. Threads got buried, convos felt a little stiff, and let’s be real, it didn’t feel like us. So we’re switching things up. We’re moving 3 1 Aug 06, 2025 Like Comment STEVE BENJAMIN Verified Helping brokers and merchants with alternative financing. in Other Business Finance Some of you may or may not have seen all my posts on another forum. I discussed SBA loans, different asset based financing, equipment, real estate, personal loans, factoring, and all other aspects of different financial options for business owners. So if any of you have any questions that might be 1 0 Jul 31, 2025 Like Comment Funder Intel Admin Verified 🚨Chase seems to have pissed off the CFPB 🚨 in Everything Else Great thread on 1033 and how Chase is in the middle of the CFPBs newest actions 0 Jul 30, 2025 Like Comment STEVE BENJAMIN Verified Merchant has $1MM SBA 7A and wants $500,000 working capital in Other Business Finance Merchant has $1MM SBA 7A and wants $500,000 working capital O/O restaurant with tenants - collateralize by his property Merchant hates the SBA 7A Rate, that it adjusts every 3 months and that it collateralizes all business assets. So I suggested we create a new LLC, pay off the SBA 7A - get it c 1 0 Jul 25, 2025 Like Comment Randy Forker Verified Looking for Lenders in Other Business Finance Looking for MCA or lenders that fund non-profit businesses 1 1 Jul 24, 2025 Like Comment Matt Sutton Broker Rabbi tears into MCA in Revenue-Based Financing Thoughts? 2 0 Jul 21, 2025 Like Comment Sumair Bakshi Broker Seeking 1st Position Funder for Fast-Growth Healthcare Biz – 720 FICO, $940K June Deposits, No MCA History in Revenue-Based Financing Have a newer healthcare services company ramping fast — operational support, staffing, and contract-based fulfillment (not retail, not telehealth). • Owner FICO: 720 • No MCA history, clean EIN • Started Oct 2023 — slow ramp until May • June deposits: $940K+ (across 2 DBAs under same EIN) • Jun 4 5 Jul 18, 2025 Like Comment Rahiem Hickmon Verified Business lines credit in Other Business Finance Hello are there any direct lenders for business line of credit and credit cards? Just looking to partner with some. 2 2 Jul 16, 2025 Like Comment Steven Dupuy Verified Fast Efficient Funding With Integrity!!! in Revenue-Based Financing All ISO/Brokers give us a Shot at Velociry Capital Group! July is your month to get PAID SIGN UP AS AN ISO TODAY WWW.VELOCITYCAPITALCG.COM/dupuy My name is Steven Dupuy, and I’m a funding specialist at Velocity Capital Group, a direct MCA provider known for fast approvals, competitive buy rates, 2 0 Jul 13, 2025 Like Comment Paul Kanevsky Verified Earn Up to $10k Per Deal + Lifetime Residuals on Declined MCA Deals in Everything Else If you're in the world of business finance, alternative lending, or MCA (Merchant Cash Advance) brokering, this is the opportunity you've been waiting for. We’re changing the game with a new partner program that’s designed to maximize your earnings from day one — with unmatched bonuses, long-term 3 0 Jul 08, 2025 Like Comment Aquamark Verified track your watermarked files in Revenue-Based Financing Aquamark now includes DocuSign-style tracking in our watermarking process — at no additional cost. See who, when, where, and how many times your files are accessed. We also flag suspicious behavior for you. Only verified emails from domains with active websites and mail infrastructure can get thro 0 Aug 04, 2025 Like Comment STEVE BENJAMIN Verified Options to help your MCA clients... in Other Business Finance There can be options to help your MCA clients who want better rates and terms - this is where I have experience to fund....I can get cash out on equipment or other assets like real estate...in a week (in some cases) at much better terms than a MCA. Monthly payments. In a lot of instances, these mer 1 0 Jul 30, 2025 Like Comment Funder Intel Admin Verified 🎉 New Venue, New Vibes – Your August Mixer Invite Inside in Everything Else We’re bringing the heat this summer with our next Funder Intel Industry Mixer on Thursday, August 14th, and you’re invited! 🍹🌮 📍 Location: CT Cantina & Taqueria – Fort Lauderdale ⏰ Time: 6:30 PM – 8:30 PM 👔 Dress Code: Business Casual 🎟️ Tickets: Limited spots available! Expect bold flavors, c 1 Jul 30, 2025 Like Comment Arieh Kaplan Verified Looking to connect in Other Business Finance Happy to be here my name is Arieh kaplan and I am with Barclays advance looking forward to connecting with other Funders and brokers in this amazing industry 2 0 Jul 25, 2025 Like Comment Chris Lucas Verified New Broker Platform - Intrepid in Everything Else Our team at Intrepid Finance has launched our new funding and application management platform. With Intrepid, Brokers keep 100% of their commissions, while also getting a powerful platform to manage deals. We provide: White Label applications Access to over 150 Lenders Real-time deal tracking Team 4 0 Jul 23, 2025 Like Comment Logan Plovnick Service Provider Canadian Market Heating Up in Other Business Finance Happy Monday everyone! The Canadian market for alternative financing has been starting to really heat up as not an alternative to the U.S. market but as a necessity to Canadian small businesses as well. Let me know what you guys have been seeing over there or what your thoughts are. ~Logan Plovnick 2 1 Jul 21, 2025 Like Comment Jason Harris User Active 🚀 Looking for Flexible Funding Solutions? We've Got You Covered! in Revenue-Based Financing If you're working with merchants who need quick access to quick capital — especially those turned down elsewhere — this program delivers real results, fast. ✅ Program Highlights: 💰 Funding from $10K–$2M• 🏦 2nd Positions & Up• 🔁 Weekly Payback Options ✈️Available in All 50 States• ✅ Open & Sat 3 0 Jul 18, 2025 Like Comment STEVE BENJAMIN Verified Reach out if you need help... in Other Business Finance As some of you may know, my posts on Daily Funder have all been removed. If you need help with anything outside of MCA, reach out. I am well experienced in any real estate, SBA, equipment financing, factoring, personal loans. I can take out over leveraged MCA's with asset based lending, and other 2 4 Jul 16, 2025 Like Comment STEVE BENJAMIN Verified Merchant has 2 MCA's and Credit Card debt - total $330K - Has Home Equity in Other Business Finance Medical doctor... There are several different methods to get a real estate loan depending on the scenario... He has a first mortgage on his primary residence of $288,077. Rate of 4.125% He has two MCA's loans in the amount of $170K and $100K, has a Heloc of $61K (also - Credit Card debt of $100K) W 2 0 Jul 12, 2025 Like Comment Funder Intel Admin Verified Brokers and Funders will be squeezed by embedded lending in Other Business Finance After reading this report, what are your thoughts on the longer-term impact of embedded lending on funders and brokers who don't have the proper partnerships or software to take part in this growth? "PYMNTS Intelligence research finds that 56% of microbusinesses were not highly satisfied with credi 1 Jul 04, 2025 Like Comment Forum - Frameless

Cloudsquare Resources, education, & media company for the commercial finance industry Partner Inquiry Cloudsquare Cloudsquare's Software Products built on Salesforce: - Cloudsquare Broker: Merchant Cash Advance CRM - Cloudsquare Lend: End-to-end lending platform for the Small Business Lending Sector Fill in the form to have someone contact you. Submit Your Information Name Email Phone Company Submit Thanks, someone will contact you soon!

Income verification on a business is very important to underwriting a loan product for that applicant. There are companies that help with verifying the income by using reports and tax returns among other things. We provide some companies to use for business income verification. Credit Monitoring What is Credit Monitoring ? Credit monitoring is a service that monitors your credit report for any changes or suspicious activity. This service can alert you if there are any unauthorized inquiries or changes to your credit report, such as new accounts opened in your name or missed payments, which could indicate identity theft or fraud. Credit monitoring can help you stay on top of your credit score and detect any errors on your credit report that could impact your ability to obtain credit or loans in the future. It is often offered as a subscription service by credit reporting agencies and other companies that specialize in credit monitoring and identity theft protection. Some credit monitoring services also provide additional features such as credit score tracking and identity theft insurance. Why should business owners monitor their personal credit? Business owners should monitor their personal credit for several reasons, including: Access to financing : Many small business owners rely on personal credit to obtain financing for their businesses. Lenders will often check the personal credit history of business owners before approving loans or lines of credit. Protect against identity theft : Business owners are at risk of identity theft, just like anyone else. Monitoring their personal credit can help them detect any fraudulent activity on their credit report, such as unauthorized credit inquiries or new accounts opened in their name. Maintain good credit habits : By monitoring their personal credit, business owners can see how their financial habits and decisions are impacting their credit score. They can use this information to make informed decisions about their personal finances and develop good credit habits, which can translate to better financial management for their business as well. Maintain credibility with partners and vendors : Business owners may need to work with partners or vendors who require a high level of financial credibility. Monitoring their personal credit and maintaining a good credit score can help business owners establish and maintain credibility with these partners and vendors. Overall, monitoring personal credit is an important part of financial management for business owners, as it can help them make informed decisions about their personal finances and ensure that their credit history is healthy and accurate. * Denotes a sponsor, "From Our Sponsor", "Sponsored by", "Promoted by", or "By (Sponsor's Name)" This is not an endorsement of any company on our site. IDIQ IDIQ provides credit monitoring services to over 3 million members across multiple brands. With the IdentityIQ® and MyScoreIQ® with FICO® brands, we deliver credit information, education, and ID protection that benefits consumers and businesses with 100% U.S.-based customer service and support. Sign up for our no-cost partner program . Your clients receive soft-pull 3-bureau credit reports, scores & alerts. The services include identity monitoring, $1M ID theft insurance & ID restoration. MyScoreIQ® offers FICO scores and optional Business Credit reports & scores. You earn competitive commissions! Benefits for Brokers & Funders: Know Clients’ Credit Info Up Front – Save Time Monetize Your Declines with Credit Monitoring No Cost to Partner with Us Residual commissions Want to check your personal credit? BE PREPARED. KNOW YOUR FICO® SCORES. Your credit scores can help determine if you qualify for a loan and what interest rates you receive. Actively monitoring your credit allows you to stay on top of changes to your credit report, including possible suspicious activity. Be confident by knowing your FICO® Scores – the scores used by 90% of top lenders.* Become a partner Check Score

This page highlights platforms and capital sources that operate in these specialty credit markets, whether that’s helping lenders unlock liquidity, connecting accredited buyers and sellers of illiquid loans, or providing access to unique pools of investment capital. Private Credit & Specialty Capital Platforms The world of business finance has expanded far beyond traditional banks and equipment finance lenders. In today’s markets, a growing number of platforms and specialized capital sources are emerging, from private credit and distressed asset marketplaces to AI-driven secondary trading platforms, funds dedicating capital to non-bank lenders, and investment banking services tailored to alternative credit providers. At its core, private credit refers to non-bank lending where debt is not publicly issued or traded, often filling gaps left by traditional financial institutions by offering flexible, bespoke funding solutions to companies and investors alike. This page highlights platforms and capital sources that operate in these specialty credit markets, whether that’s helping lenders unlock liquidity, connecting accredited buyers and sellers of illiquid loans, or providing access to unique pools of investment capital. This is not an endorsement of any company listed on our site. Soteria Market Soteria Market is the first AI-powered platform for private credit trading, helping lenders unlock liquidity by selling loans and distressed assets quickly and discreetly to pre-vetted best-fit buyers. Probably the easiest way to trade loans. Visit Site Receivabull Receivabull is the liquidity engine for revenue-based financing, revolutionizing how funders access capital through seamless receivables syndication. Our innovative platform empowers funders by transforming traditionally illiquid receivables into immediately accessible capital, fueling the growth and scalability of small business financing. With Receivabull, funders can efficiently manage liquidity and capital deployment, breaking free from the constraints of limited working capital and cumbersome financing processes. Our streamlined approach provides a frictionless marketplace for trading and syndicating receivables, significantly reducing the time and complexity typically involved in securing liquidity. Visit Site Percent Private credit. Simplified. Join thousands of investors who have funded over $1 billion in deals on Percent. Start your journey in private credit investments today. Potential for up to 20% annualized returns. Diversification through an asset that can be less tied to public market fluctuations. Timelines that fit your investment horizons with deals maturing from 6-36 months. Founded in 2018, Percent’s platform is becoming the market standard for asset-based and corporate lending, powering over $1 billion in transaction volume in a multi-trillion-dollar private credit industry. Visit Site

Discover top Canadian funding companies and secure the capital your business needs. Explore options and apply now to get started! Canadian Business Funding There are many alternative business finance companies but not all offer unsecured term loans. We put together a list of lenders that offer a business loan product directly with merchants or through ISO partners and other channels. Rates, maximum funding amount, and terms vary. This is not an endorsement for these companies so please perform your own due diligence before working with them. Advertising Disclosure Merchant Growth Financing built for small business Get funds for your small business in just 24 hours. Merchant Growth provides solutions tailored to your business needs. E-Commerce Financing Build your e-commerce business with our financing tailored to your specific needs. Fixed Financing Ideal for businesses who might not have debit/credit sales or those that prefer a fixed payment. Line of Credit Get funds that are flexible and aligned to your businesses needs. Minimum Requirements Location: Canada Monthly Revenue: $10K Time in Business: 6 months Visit Site Driven Fast small business loans on your financing terms When it comes to small business financing, whatever you need, Driven has got you covered. Apply in Minutes Get the capital you need, from $500 to $300,000, in as little as 24 hours Always-On Support 24/7 availability, online and off Experience You Can Trust Driven has lent over $1 billion to more than 17,000 Canadian businesses since 2006 Visit Site Capital Advance Funding For CanadianSmall Businesses The financial solution you need for your business, regardless of your industry or credit score. Process and requirements Operational for 3+ months. No Start-ups Canadian based businesses, Excluding Quebec $10,000+ Monthly Revenue Capital Advance Advantage We're here to help, our professional advisors strive to provide the best solutions ready for you when your business needs it. Visit Site 2M7 Financial Solutions 2M7 Financial Solutions was founded in 2008 to meet the growing financial needs within the small and medium-sized business market. 2M7 is a Canadian alternative to the traditional funding providers, specializing in Merchant Cash Advances. 2M7 says they are proud to have the highest approval rating in Canada, with 97% of their clients successfully receiving funding. They provide merchant cash advances from as low as $1,000 and up to $250,000 depending on what your business qualifies for. Absolutely no interest charges, no fixed payments, or hidden admin fees for the entire duration of your advance. Visit Site Canacap Canacap is an alternate lender in the MCA space. We offer funding for Canadian and US business that range between $5,000 to 500,000. Their number one priority is to put the power of business growth back in your hands by giving you convenient access to working capital without the massive paperwork, complications, and delays of a traditional bank. Their one page application process is fast, easy, and free. Our expert in-house underwriters help our clients get approved for financing quickly and with minimal paperwork. Visit Site EFSA Capital Online financial service company EFSA Capital Inc. is Canadian-owned and -operated. They provide merchant cash advances to Canadian small- and medium-sized business owners who require additional funds for advertising, hiring, new machinery, and other reasons. They offer adaptable borrowing options that let firms develop, expand, market, and make investments. Who is eligible Canadian business Minimum 6 months in business Minimum $15,000 monthly revenue Visit Site IOU Financial Flexible Small Business Loans from IOU. IOU Financial is publicly traded on the Canadian TSX-V exchange under the ticker symbol IOU (TSX-V: IOU). 3-Minute Application, Pre-Approved in Seconds! IOU’s new Premier PLUS term loan is available to businesses that have been in operation for at least 5 years and rewards those with high credit scores. This product is designed to provide small business owners with easy access to larger loan amounts and payments spread out over 36 monthly installments: Visit Site SharpShooter Funding WHY SHARPSHOOTER: ALTERNATIVE CANADIAN BUSINESS FUNDING YOU CAN TRUST IN CANADA SharpShooter has been providing funding solutions to small Canadian businesses since 2015. They understand that smaller businesses don’t always have the time to jump through the hoops involved in attaining business funding with a bank, so as an alternative Canadian Business Funder, they make applying for funding solutions easy and stress-free. Get Funded Without Delay:Their simple process with no submission or upfront fees makes prequalifying for their Canadian Small Business Funding extremely quick and easy when you apply online. Get your funds within 48-72 hours of your funding offer provided by SharpShooter Funding. Visit Site Journey Capital Journey Capital (formerly OnDeck Canada) provides online financing solutions to help small businesses reach their goals. With a quick and easy application process, fast access to capital, and personalized customer service, we’re committed to supporting Canadian entrepreneurs on their journey to success. 1 simple application for 3 credit products. Journey Capital offers the widest array of credit products for you to choose from. Business Term Loan From $5K-$300K Flex Funds Advance From $5K-$300K Business Line of Credit Up to $300K Visit Site

Our curated list includes a wide array of lenders specializing in various asset classes and industries. From accounts receivable and inventory to equipment and real estate, you'll find partners ready to structure deals that align with your unique business needs Asset Based Lenders Welcome to our comprehensive directory of asset-based lenders, your one-stop resource for navigating the diverse landscape of commercial finance. Whether you're seeking invoice factoring, equipment financing, real estate-backed loans, or other specialized lending solutions, you've come to the right place. Asset-based lending (ABL) offers a dynamic approach to financing, allowing businesses to leverage their assets as collateral. This versatile funding method can provide the working capital needed to fuel growth, manage cash flow, or weather economic uncertainties13. Our curated list includes a wide array of lenders specializing in various asset classes and industries. From accounts receivable and inventory to equipment and real estate, you'll find partners ready to structure deals that align with your unique business needs © Copyright LSQ LSQ expands access to financing with an end-to-end platform that provides on-demand access to capital and seamless management of invoices & payments. LSQ FastTrack™ enables faster, more transparent decision-making, payment certainty, and risk mitigation—all through an intuitive interface. Easy to implement, FastTrack accelerates the delivery of working capital. With over $25 billion in funds deployed over the last 25 years, LSQ understands how business gets done, ensuring success for enterprises of all sizes. LSQ will pay up to 90% of your invoice within 24 hours, and the remaining amount is paid on the due date. Access credit facilities up to $50MM to scale with your business’s growth. Get same day funding by freeing up cash trapped in unpaid invoices. Apply Visit Site Gateway Commercial Finance Gateway Commercial Finance’s goal is to become a strategic partner by offering an array of financial products to pre-bankable businesses. Whether they lack the operating history or present financial condition to qualify for traditional financing, Gateway Commercial Finance may have a solution. Sell Your Outstanding Invoices to Get an Instant Cash Flow Boost GCF customer retention rate is 1.9 times the industry average. They offer 30-minute application approval, low rates, high advances and 24-hour funding. Don’t wait 30, 60 or 90 days for your customers to make payments anymore. Learn how to turn your debtors into assets. Sell your outstanding accounts receivables to GCF and get fast cash flow funding. Currently offering accessible and quick cash flow solutions to businesses in most fields up to $5,000,000. GCF application process is simple, and we offer same day account approval. Their rates are the most competitive in the industry and they are ready to work for you to put cash in your company's bank account quickly! Apply Visit Site NuBridge Commercial Lending The mission at NuBridge is to be your business partner and lending solution by offering premier commercial loan product and program options, competitive rates, and excellent customer service. Commercial Bridge Loan Specialist 12-24 months from $1,000,000 to $10,000,000 No Recourse, No Appraisal, NO Credit Check, No Financials. Non-Stabilized-Property, Close in 21-28 Days Nationwide Direct Lender - they service all their Loans. Tell them about the loan you are seeking and they'll find value by weighing the strengths of the property, its cash flow, and the borrower. You’ll have options with a direct lender who can see the uniqueness of every lending opportunity and if what they have to offer is right for you. They protect their brokers with: Low deposit fees No appraisal needed No restrictions on broker fees Apply Visit Site Brookview Financial, Inc. Brookview is a seasoned boutique private lender providing creative quick-close financing solutions for your real estate projects. Founded in 1992, they have been the trusted capital partner to thousands of real estate investors nationwide. They offer personal service, flexible terms and creative solutions. Their direct loans provide acquisition and improvement funding ranging from residential fix & flip to larger commercial bridge projects up to $50 million. They can close as fast 10 days. They are nimble, flexible and exceptionally responsive. Loan Types: Fix and Flip Commercial Bridge Mezzanine Construction Discounted Note Purchases Apply Visit Site North Avenue Capital North Avenue Capital is a nationwide direct lender focused on funding the flourishing of rural America in partnership with USDA Rural Development’s business loan programs. Fueled by a talented team and unwavering commitment to excellence, NAC was recognized as America’s #1 USDA Business & Industry lender in 2020 and one of Inc. magazine’s 5000 fastest growing companies in 2021. Loans Starting at $2 Million North Avenue Capital’s suite of loan programs offers competitively priced solutions for commercial enterprises primarily in areas with populations under 50k They serve startups, new construction, refinance, business acquisition, and business expansion. The USDA loan programs they facilitate offer funding to rural employers and entrepreneurs, those building community facilities, investing in renewable energy, and those involved in the food supply chain.* Robust, easy-to-use catalog of broker resources that take the guesswork out of describing our niche offering Apply Visit Site Liberty SBF Liberty SBF is a national commercial real estate lender specializing in Conventional and SBA 504 loans for owner-user properties and bridge loans for investors. Since 2011, Liberty SBF has funded over $2 billion in loans to small and medium businesses as well as commercial property investors. Whether you’re a business owner or broker, they provide low-cost financing to operating businesses for commercial real estate and term loans for working capital. Up to 90% LTV financing for owner-occupied CRE properties. Quick closings Low-cost financing for small and medium businesses Flexible, custom loan options for specific business cases Fast, transparent and secure online loan application Access to a real human to help you navigate the process Options for multifamily / commercial property investors Apply Visit Site Wilshire Finance Partners Formed in 2008, Wilshire Finance Partners, Inc. (“Wilshire”) is a direct portfolio bridge lender that funds loans secured by multifamily (5+ units), commercial real estate, and senior housing facilities. Wilshire uses its balance sheet to deliver fast and efficient closings. Property Types Apartment / Multifamily (5+ units) Mixed Use Self-storage Warehouse/Light Industrial Senior Living Healthcare Real Estate/Medical Office Buildings No land, development, rural, or tertiary Transaction Types Purchase Refinance Cash Out Refinance Stabilization 1031 Exchange (forward and reverse) Special Situation Lending (e.g. debt restructuring, discounted payoffs and others) Apply Visit Site RCN Capital RCN Capital, LLC was established in 2010 to provide time-sensitive, bridge financing to real estate investors to fund the purchase of non-owner occupied residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit. Formed towards the end of the recession, RCN Capital has benefited from a turbulent housing market in which many real estate investors see great opportunity. A lack of liquidity in the credit markets and increased regulation of the banking industry has restricted conventional financing as an option for investors in fast-moving and competitive real estate markets. As the nation’s premier direct private lender, RCN Capital helps fill this void. As a direct, private lender, RCN Capital takes a common-sense approach to underwriting, with all approvals made in-house. They are dedicated to providing quick responses to time-sensitive loans, oftentimes with the ability to close in as few as 10 business days. At RCN Capital, they value referrals and our brokers are protected. They are committed to the highest level of customer service, because our success lies in building relationships. Loan Types: Fix and Flip Bridge Rental 'Hard money' RCN Capital offers simple referral options for brokers. Apply Visit Site iBorrow iBorrow is a nationwide direct lender that provides bridge loans on all commercial real estate property types to borrowers who are looking for a fast, flexible and reliable financing option. They offer individually structured bridge lending solutions for borrowers of all commercial property types from $2 - $30 million, across the United States. They are a non-recourse lender, other than for bad-boy and certain other qualifying events. Quick and Reliable Closing iBorrow closes deals quickly and reliably within 2-4 weeks, while banks and other traditional lenders average 90 days or longer to close a deal Flexible Capital iBorrow works with business owners and real estate operators, who are under-served by traditional financial institutions, to provide unique private financing solutions tailored to individual borrower needs. Funding Sources iBorrow manages an investment fund in addition to having a deep and broad pool of institutional capital sources. Credit / Cash Flow Issues We fund loans for borrowers with sub-standard credit scores and on pre-cash flow properties. We prioritize the value of borrower’s collateral over credit score and cash flow. Loan Types Refinancing, Repositioning, Value-Add Apply Visit Site Knighthead Funding Knighthead Funding, LLC is a real estate finance company specializing in loans for acquisition, renovation, construction, and refinancing secured by a broad range of real estate assets. Real estate financing up to $100MM+ TRANSACTION TYPES: Acquisitions, Refinancing, Construction/Rehab, Pre-Development, Value-add/Transitional, Limited or Non-cashflowing, Time Sensitive Closings, Condo Inventory, Bank Turndowns LOAN-TO-VALUE - Up to 75% of Stabilized Value INTEREST RATES - Starting at L+3.75, Fixed Rates Available TERM - Bridge, 3 year and 5 Year Terms Available CLOSING TIME - 1 to 2 Week Closings Available COLLATERAL - All types of Real Estate Considered Apply Visit Site Maxim Capital Group Maxim Capital Group is a leading direct commercial real estate bridge lender. Based in New York, with a nationwide presence, they originate, service, and asset manage event-driven CRE bridge loans. With five discretionary investment vehicles, their investor base includes insurance companies, pension funds, endowments, family offices, and ultrahigh net worth individuals. With over $2.5B of loans issued since inception, our underwriting is focused on basis, sponsorship, alignment of interest, and capital preservation. Loan Types: Value Add AMOUNT $10-100 million LIEN POSITION First Mortgages INTEREST RATE Starting at 5%, Interest-Only LOAN TO VALUE 65% TRANSACTION TYPES Traditional acquisition/recapitalization, performing collateral assignment, value-add repositioning, pre-development, and light transitional business plans. Bridge Loans AMOUNT $2-50 million LIEN POSITION First & Second Mortgages and Mezzanine Loans INTEREST RATE Starting at 7%, Interest-Only LOAN TO VALUE 65% TRANSACTION TYPES Note/NPL acquisition financing, debtor-in-possession financing, special situations, time sensitive closings, partnership restructuring and ground-up construction. Apply Visit Site Ready Capital Ready Capital (NYSE: RC) is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans. They specialize in loans backed by commercial real estate, including agency multifamily, investor and bridge as well as SBA 7(a) business loans. Ready Capital provides short-term, non-recourse bridge and mezzanine loans nationwide on transitional, value-add and event-driven commercial and multifamily real estate. They lend up to $45 million (larger for select assets and portfolios) for middle-market and institutional commercial real estate sponsors, and larger on a case-by-case basis. They provide floating and fixed-rate terms to 5 years for: multifamily, office, retail, industrial, mixed-use, self-storage, student housing, hospitality, residential and commercial condo, and specialty use properties. They consider the full range of value add strategies and deliver structured finance solutions backed by experienced bridge lending professionals. Ready Capital offers fixed rate permanent loans to $25 million for multifamily, office, retail mixed use, self-storage, industrial and select other property types . As a non-bank capital source, they bring speed to the commercial lending process and help borrowers capitalize on more opportunities. Ready Capital is one of the few non-bank commercial mortgage lenders providing financing nationwide. Ready Capital is an approved Freddie Mac SBL seller/servicer, providing small balance loans from $1 million up to $7.5 million with both fixed- and hybrid- rate structures. They provide capital for acquisition, refinancing and cash-out requests, and take pride in delivering quick closings backed by flexibility and common-sense underwriting. Apply Visit Site CV Capital Funding CV Capital Funding, LLC (“CVCF”) is a commercial real estate direct lender with nationwide coverage that offers loans for acquisitions, refinancing, restructurings, discounted payoffs, lease-up stabilizations, and other special situations. CVCF is a balance sheet lender and utilizes its own capital to fund loans for a wide range of commercial real estate asset classes. CVCF also has extensive relationships and strategic partners, including private equity funds and institutional lenders, that allow them to competitively consider deals beyond their core size. CV Capital Funding takes the responsibility to add value and maximize their client’s potential. They take great pride in accepting each project by carefully noting our client’s objectives and expectations so that we may ensure the best service possible. Loan Types: Acquisitions Equity Recapture Refinance Renovation Assets Type: Condo Inventory, Hotels/Hospitality, Industrial, Luxury Residential Investment Properties, Mixed-Use, Mobile Home Parks, Multifamily, Offices, Parking, Retail, and Storage Apply Visit Site

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