Small business lending companies focus on helping entrepreneurs access funding for their ventures. They often provide diverse financing options like loans, lines of credit, and cash advances crucial for working capital, equipment purchases, and growth initiatives. As small businesses increasingly turn to technology for financial solutions, the industry is rapidly evolving, with online platforms simplifying application processes and improving approval times. There's a noticeable shift toward flexible funding options and personalized services, aimed at addressing the unique challenges faced by small business owners in a competitive market.

This list showcases 27 small business lending companies across various regions, including the USA, UK, and Australia. Ranging in sizes from around 50 to over 1,000 employees, these firms were founded between 1998 and 2016, indicating a blend of well-established and relatively new players in the market. They specialize in tailored financial solutions, with many leveraging technology to streamline processes and ensure faster access to capital for their clients. For instance, some focus on unsecured loans while others emphasize specialized business financing.

Continue reading to uncover the top small business lending companies.

Top 27 Small Business Lending Companies

1. OnDeck

• Website: ondeck.com
• Ownership type: Venture Capital
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 94%, Australia 5%, Other 1%
• Latest funding: Series A, March 2021
• Founded year: 2006
• Headcount: 501-1000
• LinkedIn: ondeck

OnDeck Capital, founded in 2006 and based in Chicago, Illinois, is a prominent player in the small business lending sector. The company specializes in providing small business loans and lines of credit, offering a user-friendly online application process that enables business owners to secure funding quickly. OnDeck's services are designed to meet various financial needs, including inventory purchases, payroll, and business expansion. With a workforce of approximately 394 employees, the company operates primarily in the United States, with a small presence in Australia. OnDeck has successfully delivered over $15 billion in funding to U.S. businesses, showcasing its significant impact on the small business community. The firm is recognized for its fast funding capabilities, with options for same-day funding available under certain conditions. OnDeck's commitment to supporting small businesses is evident in its tailored financial solutions and dedicated loan advisors who assist clients throughout the lending process.

2. Lendio

• Website: lendio.com
• Ownership type: Private Equity
• Headquarters: Lehi, Utah, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $24.0M, February 2020
• Founded year: 2011
• Headcount: 201-500
• LinkedIn: lendio

Lendio is a financial services company based in Lehi, Utah, that specializes in providing small business owners with access to a wide range of financing solutions. Established in 2011, Lendio has developed a platform that simplifies the loan application process by connecting users with more than 75 lenders. This allows businesses to apply for various types of loans, including business term loans, equipment financing, and accounts receivable financing, all through a single online application. Over the years, Lendio has facilitated the funding of over $15 billion to small businesses, demonstrating its significant impact in the industry. The company employs around 434 people and has received $24 million in funding as of February 2020, indicating its ongoing relevance and commitment to supporting small businesses in their financing needs.

3. iwoca

• Website: iwoca.co.uk
• Ownership type: Venture Capital
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 95%, Germany 3%, Other 2%
• Latest funding: Other (Debt), $257.5M, November 2024
• Founded year: 2011
• Headcount: 201-500
• LinkedIn: iwoca

iwoca Ltd. is a financial services company based in London, UK, specializing in business loans for small enterprises in the UK and Germany. Since its inception in 2011, iwoca has focused on providing flexible financing solutions, including unsecured and short-term loans, to help small businesses manage cash flow and invest in growth. The company utilizes an automated lending platform that streamlines the application process, making it more accessible for small business owners. iwoca has funded over £1 billion in loans, serving more than 90,000 businesses. Recently, they secured £257 million in funding, which underscores their active role in the small business lending industry. Their services are designed to meet the unique needs of small businesses, allowing them to borrow amounts ranging from £1,000 to £1,000,000 with a quick approval process and no early repayment fees.

4. NeoGrowth Credit Pvt. Ltd.

• Website: neogrowth.in
• Ownership type: Venture Capital
• Headquarters: Mumbai, Maharashtra, India
• Employee distribution: India 100%
• Latest funding: Other (Debt), $9.9M, January 2023
• Founded year: 2011
• Headcount: 501-1000
• LinkedIn: neogrowth-credit-pvt-ltd

NeoGrowth Credit Pvt. Ltd., founded in 2011 and based in Mumbai, Maharashtra, is a financial services firm that specializes in providing quick business loans to small and medium enterprises (SMEs). The company offers a variety of loan products, including NeoCash and Supply Chain Finance, designed to meet the unique needs of business owners. By utilizing digital payment data for underwriting, NeoGrowth streamlines the loan application process, making it easier for entrepreneurs to access the funds they need. With a workforce of nearly 1,000 employees, NeoGrowth has established itself as a significant player in the SME lending sector. The company is registered as a Systemically Important, Non-Deposit taking Non-Banking Financial Company (NBFC) with the Reserve Bank of India, further solidifying its credibility in the industry. In January 2023, NeoGrowth secured additional funding, reflecting ongoing investor interest and confidence in its business model and growth trajectory.

5. National Funding

• Website: nationalfunding.com
• Ownership type: Family Owned
• Headquarters: San Diego, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $125.0M, October 2022
• Founded year: 1999
• Headcount: 201-500
• LinkedIn: national-funding

National Funding, based in San Diego, California, is a family-owned financial services company that specializes in small business loans and financing solutions. Founded in 1999, the company has developed a reputation for providing tailored lending options to small business owners across various sectors. Their offerings include small business loans, equipment financing, and working capital loans, all designed to meet the unique needs of entrepreneurs. National Funding emphasizes a streamlined application process, allowing businesses to secure funding quickly, often within 24 hours. With a track record of over $4.5 billion in funding to more than 75,000 businesses nationwide, they have established themselves as a significant player in the small business lending space. The company has also recently secured $125 million in funding in October 2022, further solidifying its position in the industry.

6. Funding Options by Tide

• Website: fundingoptions.com
• Ownership type: Corporate
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 83%, Bulgaria 7%, Serbia 7%, Other 4%
• Latest funding: November 2022
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: funding-options

Funding Options by Tide is a financial services company based in London, UK, founded in 2011. The firm specializes in creating a marketplace for business finance solutions, connecting business owners with a wide range of lenders to facilitate access to loans and other financial products. With a workforce of around 51-200 employees, the company has established itself as a significant player in the small business lending industry. Their platform offers various financing options, including business loans, asset finance, invoice finance, and more, catering to the unique needs of small businesses. Funding Options also emphasizes quick access to funding, allowing businesses to check their eligibility without affecting their credit score. The company has been recognized by the British Business Bank as a designated platform for finding finance, which underscores its credibility and relevance in the market. Their innovative approach, including the use of technology to match businesses with suitable lenders, positions them as a key facilitator in the small business financing landscape.

7. New York Business Development Corporation and affiliates The 504 Company and Excelsior Growth Fund

• Website: nybdc.com
• Ownership type: Private
• Headquarters: Albany, New York, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Grant), $1.7M, April 2023
• Founded year: 1955
• Headcount: 51-200
• LinkedIn: new-york-business-development-corporation

The New York Business Development Corporation (NYBDC), along with its affiliates The 504 Company and Excelsior Growth Fund, operates as a private lending institution based in Albany, New York. Established in 1955, NYBDC specializes in providing small business loans tailored to the needs of entrepreneurs across various industries. Their product offerings include SBA 504 Loans, SBA 7(a) Loans, SBA Microloans, and SmartLoans, designed to help businesses secure necessary funding for growth and operational needs. In 2023, NYBDC reported lending over $309 million, contributing to the creation and retention of thousands of jobs. The organization is recognized for its community-focused approach, aiming to empower small businesses and foster economic development in the regions it serves, including New York, New Jersey, Pennsylvania, and Connecticut.

8. Credibly

• Website: credibly.com
• Ownership type: Private
• Headquarters: Southfield, Michigan, United States (USA)
• Employee distribution: United States (USA) 98%, Other 2%
• Latest funding: $5.0M, August 2023
• Founded year: 2010
• Headcount: 51-200
• LinkedIn: credibly

Credibly is a financial services firm based in Southfield, Michigan, specializing in small business loans and financing solutions. Established in 2010, the company focuses on providing a range of products designed to meet the needs of small and medium-sized businesses. Their offerings include working capital loans, merchant cash advances, long-term loans, business lines of credit, and equipment financing. Credibly employs advanced data science and technology to evaluate the overall health of businesses, allowing them to match clients with suitable financing options effectively. The company has funded over $2.5 billion across more than 46,000 businesses, showcasing its significant impact in the industry. Recently, Credibly secured $5 million in funding in August 2023, reflecting its ongoing growth and relevance in the small business lending market.

9. FlexiLoans

• Website: flexiloans.com
• Ownership type: Private Equity
• Headquarters: Mumbai, Maharashtra, India
• Employee distribution: India 100%
• Latest funding: September 2024
• Founded year: 2016
• Headcount: 501-1000
• LinkedIn: flexiloans

FlexiLoans, operating under the brand of Epimoney Private Limited, is a financial services company based in Mumbai, India. Founded in 2016, the company specializes in providing loans to small and medium enterprises (SMEs), offering a range of financial products including term loans, MSME loans, and vendor financing. FlexiLoans aims to tackle the funding challenges that many businesses face, particularly those that lack sufficient credit history or collateral. By leveraging technology, they streamline the loan application process, making it faster and more accessible for their clients. The company is registered as a Non-Banking Financial Company (NBFC) with the Reserve Bank of India, ensuring compliance with regulatory standards. FlexiLoans has disbursed over ₹7000 crore in loans and serves more than 2100 cities across India, demonstrating its significant impact in the SME lending sector.

10. Capify

• Website: capify.com
• Ownership type: Private Equity
• Headquarters: New York, New York, United States (USA)
• Employee distribution: United States (USA) 75%, United Kingdom (UK) 25%
• Latest funding: Other (Debt), $125.6M, April 2024
• Founded year: 2008
• Headcount: 51-200
• LinkedIn: capify

Capify is a financial services firm based in New York, specializing in small business loans and financing solutions. Established in 2008, the company has carved out a niche in providing unsecured loans and merchant cash advances to small business owners across Australia, the UK, and the US. With a workforce of around 109 employees, Capify focuses on helping businesses manage cash flow and achieve growth through quick approvals and tailored repayment options. The company prides itself on its customer-centric approach, offering expert advice and a streamlined application process that allows businesses to access funds within 24 hours. Capify's recent funding round, which raised approximately $125 million, underscores its active role in the small business lending industry and its commitment to supporting SMEs in their financial needs.

11. Rapid Finance

• Website: rapidfinance.com
• Ownership type: Private Equity
• Headquarters: Bethesda, Maryland, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: September 2013
• Founded year: 2005
• Headcount: 201-500
• LinkedIn: rapidfinance

Rapid Finance, based in Bethesda, Maryland, is a financial services company that has been serving small businesses since its inception in 2005. The firm specializes in a range of financing solutions designed to meet the unique needs of small enterprises. Their offerings include small business loans, merchant cash advances, lines of credit, bridge loans, SBA loans, invoice factoring, asset-based loans, and commercial real estate loans. With a focus on providing fast and flexible funding, Rapid Finance has successfully funded over $3 billion across various industries, helping more than 30,000 small businesses access the capital they need to thrive. The company prides itself on a straightforward application process and quick funding, often within hours of approval. Their dedication to transparency and customer service is evident in their positive client testimonials and high ratings from independent review platforms.

12. Lendistry

• Website: lendistry.com
• Ownership type: Venture Capital
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: $2.7M, May 2018
• Founded year: 2015
• Headcount: 201-500
• LinkedIn: lendistry

Lendistry is a financial services company based in Los Angeles, California, specializing in small business lending and grants. Founded in 2015, Lendistry aims to support small business owners, particularly those from underserved communities, by offering a range of financial products, including business loans, SBA loans, and grants. The company operates through a user-friendly digital platform that facilitates loan applications and provides technical assistance to borrowers. Lendistry has positioned itself as a significant player in the industry, having deployed over $10 billion in loans and grants to support approximately 639,000 small businesses as of October 2024. Their focus on equitable lending practices and commitment to helping small businesses thrive underscores their relevance in the small business lending sector.

13. First Circle

• Website: firstcircle.ph
• Ownership type: Venture Capital
• Headquarters: Taguig, Metro Manila, Philippines
• Employee distribution: Philippines 98%, Other 2%
• Latest funding: Series B, $7.0M, October 2024
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: firstcircle

First Circle is a financial services company based in Taguig, Metro Manila, Philippines, founded in 2015. The company focuses on providing business loans and credit lines to small and medium enterprises (SMEs), offering non-collateral loans that help businesses manage cash flow gaps and fund growth initiatives. First Circle aims to simplify the loan application process, allowing businesses to access funds quickly, often within a day. They have successfully disbursed over ₱11 billion in loans, supporting the growth of more than 3,000 businesses. The company has received significant funding, including a recent Series B round of $7 million in October 2024, which underscores its potential for further expansion and innovation in the SME lending space. First Circle is recognized for its efficient service and has been acknowledged in various industry awards, including the SME Digital Innovation of the Year in the Philippines for 2024.

14. Aye Finance Ltd

• Website: ayefin.com
• Ownership type: Private Equity
• Headquarters: Gurugram, Haryana, India
• Employee distribution: India 100%
• Latest funding: Other (Debt), $12.8M, January 2025
• Founded year: 2014
• Headcount: 5001-10000
• LinkedIn: aye-finance-ltd

Aye Finance Ltd, founded in 2014 and based in Gurugram, Haryana, India, is a financial services company dedicated to providing working capital loans to micro and small enterprises. With a workforce of approximately 3,297 employees, Aye Finance aims to address the significant credit gap faced by these businesses, many of which operate in unorganized sectors and lack formal credit histories. The company utilizes innovative underwriting methods and advanced analytics to evaluate loan applications, enabling them to serve clients who are often excluded from traditional banking services. Aye Finance has successfully provided loans to over 935,000 businesses across India, demonstrating their impact on the micro-enterprise sector. Their recent funding of approximately $12.8 million in January 2025 further underscores their active role in the industry and commitment to expanding their services.

15. OnDeck Australia

• Website: ondeck.com.au
• Ownership type: Family Owned
• Headquarters: Sydney, New South Wales, Australia
• Employee distribution: Australia 100%
• Latest funding: Other (Debt), $75.0M, July 2018
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: ondeck-australia

OnDeck Australia is a financial services company based in Sydney, New South Wales, that specializes in providing small business loans to Australian enterprises. Established in 2015, OnDeck has carved out a niche in the lending market by offering a range of loan products designed to meet the urgent financial needs of small business owners. Their flagship product, the Lightning Loan, allows businesses to access funds quickly, with approvals possible in as fast as 30 minutes and funding available in as little as two hours. OnDeck's loans range from $10,000 to $250,000, with terms spanning 6 to 24 months. The company operates without requiring asset security, which is particularly appealing to small businesses that may not have substantial collateral. OnDeck has also received significant funding, amounting to $75 million in 2018, which underscores investor confidence in their business model and growth potential. Their customer-centric approach is reflected in their dedicated support team, which assists clients throughout the loan application process, ensuring a smooth experience. With a focus on helping small businesses thrive, OnDeck Australia continues to play a vital role in the financial landscape for entrepreneurs.

16. BHG Financial

• Website: bhgfinancial.com
• Ownership type: Private
• Headquarters: Fort Lauderdale, Florida, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2001
• Headcount: 1001-5000
• LinkedIn: bhgfinancial

BHG Financial, founded in 2001 and based in Fort Lauderdale, Florida, is a financial services company that specializes in customized loan solutions for both personal and business needs. With a workforce of over 1,000 employees, the company has carved out a niche in the lending industry by focusing on busy professionals and small business owners. BHG Financial offers a range of products, including personal loans, small business loans, and startup loans, all designed to help clients achieve their financial goals. The company has funded over $18 billion in loans, demonstrating its significant impact in the lending space. BHG Financial prides itself on a hassle-free application process, allowing clients to receive funding quickly, often within days. Their approach emphasizes personalized service, ensuring that each client receives tailored financial solutions that meet their specific needs.

17. Moula

• Website: moula.com.au
• Ownership type: Venture Capital
• Headquarters: Melbourne, Victoria, Australia
• Employee distribution: Australia 100%
• Latest funding: Series D, $20.0M, December 2019
• Founded year: 2013
• Headcount: 51-200
• LinkedIn: moula

Moula is a financial services company based in Melbourne, Victoria, Australia, specializing in business loans for small and medium enterprises. Established in 2013, Moula aims to simplify the lending process by leveraging technology to provide quick and flexible financing solutions. Their offerings include loans ranging from $10,000 to $250,000, with terms of 12 to 36 months, and they do not require asset security. The company prides itself on a fast application process, allowing businesses to apply online in just seven minutes and receive credit decisions within 24 hours. Moula has received significant venture capital funding, with their last round totaling $20 million in December 2019, which underscores their growth potential and relevance in the small business lending sector. They are also a member of FinTech Australia and the Australian Finance Industry Association, reflecting their commitment to industry standards and practices.

18. Capify UK

• Website: capify.co.uk
• Ownership type: Private
• Headquarters: Altrincham, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 98%, Other 2%
• Founded year: 2008
• Headcount: 51-200
• LinkedIn: capify-uk

Capify UK, based in Altrincham, England, is a private business financing provider that specializes in offering financial solutions to small and medium enterprises (SMEs) across the UK. Established in 2008, Capify has been instrumental in helping thousands of businesses access the funding they need to grow and thrive, particularly during challenging economic times. The company offers a variety of loan products, including small business loans ranging from £5,000 to £750,000 and merchant cash advances, designed to support businesses in managing cash flow and achieving their growth objectives. Capify prides itself on its customer service, providing a straightforward application process that allows for quick funding, often within 24 hours. Their approach is characterized by a human touch, with loan applications evaluated by experienced professionals rather than algorithms. This focus on understanding the unique needs of each business has fostered a loyal customer base, with many returning for additional funding as their needs evolve. Capify's commitment to supporting SMEs is evident in their flexible lending criteria, which consider various credit profiles, making them a viable alternative to traditional lenders.

19. Nucleus Commercial Finance

• Website: nucleuscommercialfinance.com
• Ownership type: Private
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 70%, India 30%
• Latest funding: Other (Debt), $253.9M, November 2023
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: nucleus-commercial-finance-ltd-

Nucleus Commercial Finance is a financial services firm based in London, UK, that specializes in providing business loans and funding solutions tailored for small and medium-sized enterprises (SMEs). Established in 2011, the company has carved out a niche in the competitive lending market by offering a variety of financial products, including unsecured loans and revenue-based financing. These offerings are designed to assist businesses in managing cash flow and facilitating growth. Nucleus prides itself on delivering rapid decisions through advanced technology, allowing businesses to receive funding quickly. Their loan amounts range from £3,000 to £2 million, catering to various business needs. The company has also received significant funding, with a recent round totaling approximately £254 million in November 2023, which underscores its operational strength and commitment to supporting SMEs. Nucleus Commercial Finance continues to play a vital role in the UK’s small business lending sector, helping thousands of businesses achieve their financial goals each year.

20. Capify Australia

• Website: capify.com.au
• Ownership type: Private
• Headquarters: Sydney, New South Wales, Australia
• Founded year: 2008
• Headcount: 51-200
• LinkedIn: capify-aus

Capify Australia, based in Sydney, New South Wales, is a private financial services firm that specializes in providing unsecured business loans and merchant cash advances to small businesses across Australia. Established in 2008, Capify has positioned itself as a pioneer in alternative lending, being the first to offer accessible unsecured loans tailored for small enterprises. The company emphasizes quick funding, with approvals often granted within the same day and funds disbursed in as little as 24 hours. Capify's product offerings include flexible repayment terms and minimal documentation requirements, making it easier for small business owners to secure financing without the burden of extensive paperwork. Their approach is centered on understanding the unique needs of each business, ensuring that clients receive personalized solutions that support their growth and operational needs. Capify has built a reputation for reliability and customer-centric service, which has earned the trust of thousands of small businesses throughout Australia.

21. Fleximize

• Website: fleximize.com
• Ownership type: Private
• Headquarters: Ipswich, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 94%, Australia 3%, Poland 3%
• Latest funding: Other (Debt), $167.6M, September 2023
• Founded year: 2014
• Headcount: 51-200
• LinkedIn: fleximize

Fleximize is a financial services company based in Ipswich, England, specializing in providing business loans and financing solutions to small and medium-sized enterprises (SMEs) across the UK. Established in 2014, the company has developed a range of products tailored to meet the financial needs of businesses, including Flexiloans, cash flow finance, and working capital loans. Fleximize aims to support SMEs in achieving their growth objectives and managing operational costs effectively. The company has recently secured £167 million in funding, showcasing its robust financial position and commitment to expanding its services. Fleximize prides itself on its customer-centric approach, offering personalized service through dedicated relationship managers and a suite of resources designed to assist business owners in navigating their financial journeys. Their accolades, including multiple awards for customer service excellence, further highlight their role as a significant player in the small business lending industry.

22. Bizcap Australia & New Zealand

• Website: bizcap.com.au
• Ownership type: Private
• Headquarters: Melbourne, Victoria, Australia
• Employee distribution: Australia 96%, New Zealand 4%
• Founded year: 2019
• Headcount: 51-200
• LinkedIn: bizcap

Bizcap Australia & New Zealand is a financial services provider based in Melbourne, Victoria, specializing in business loans for small and medium-sized enterprises. Since its inception in 2019, Bizcap has focused on delivering fast and flexible loan solutions, including Fast Business Loans, Secured Business Loans, Bridging Finance, and Lines of Credit. The company aims to alleviate cash flow constraints and support business growth by offering loans ranging from $5,000 to $5,000,000, with approvals in as little as three hours. Bizcap's unique approach to credit assessment allows them to consider applicants with existing loans or less-than-perfect credit scores, making them an accessible option for many businesses. With a commitment to quick service and customer satisfaction, Bizcap has funded over $950 million in loans and assisted more than 21,000 small businesses across Australia and New Zealand.

23. Credit Suite, Business Credit Specialists

• Website: creditsuite.com
• Ownership type: Private
• Headquarters: Tampa, Florida, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: credit-suite

Credit Suite, Business Credit Specialists, based in Tampa, Florida, is a private company founded in 2011. The firm is dedicated to assisting entrepreneurs and small businesses in accessing capital and enhancing their fundability. They offer a comprehensive suite of services, including business loans, credit building resources, and consulting to help clients navigate the intricacies of business financing. Credit Suite has developed a unique methodology centered around improving over 125 Fundability Factors, which helps businesses qualify for financing. The company has served tens of thousands of businesses, providing them with the tools and knowledge necessary to secure funding. Their commitment to empowering small business owners is evident in their extensive resources, including a blog, podcast, and various educational materials. Credit Suite has built a strong reputation in the industry, supported by numerous positive reviews and testimonials from satisfied clients.

24. Fountainhead

• Website: fountainheadcc.com
• Ownership type: Corporate
• Headquarters: Lake Mary, Florida, United States (USA)
• Employee distribution: United States (USA) 50%, Canada 25%, India 25%
• Latest funding: December 2021
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: fountainhead-commercial-capital

Fountainhead Commercial Capital, founded in 2015 and based in Lake Mary, Florida, is a financial services company that specializes in small business loans. The firm primarily focuses on SBA 7(a) and SBA 504 loans, as well as conventional loans, catering to small to midsize businesses. Fountainhead aims to assist these businesses in securing financing for various purposes, including growth, acquisitions, and operational needs. The company prides itself on a streamlined application process, often providing loan approval decisions within 24 hours, which is significantly faster than traditional banks. With a team that boasts over 400 years of collective experience in SBA lending, Fountainhead emphasizes personalized service and responsiveness, ensuring that clients feel supported throughout the loan process. Their innovative approach includes utilizing technology to facilitate applications, making it easier for business owners to access the funds they need.

25. Fundera by NerdWallet

• Website: fundera.com
• Ownership type: Corporate
• Headquarters: New York, New York, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: October 2020
• Founded year: 2013
• Headcount: 51-200
• LinkedIn: fundera

Fundera by NerdWallet, founded in 2013 and based in New York City, is a financial services company dedicated to assisting small business owners and entrepreneurs in securing the funding they need to grow and operate their businesses. The company offers a variety of loan options, including SBA loans, business lines of credit, term loans, startup business loans, equipment financing, and invoice financing. Fundera acts as a bridge between small business owners and lenders, simplifying the loan application process and providing valuable resources to help clients understand their financing options. Their platform not only facilitates access to capital but also educates borrowers on the requirements and best practices for obtaining business loans. Fundera's integration into NerdWallet further enhances its credibility and reach within the financial services industry, allowing them to leverage a broader audience and provide comprehensive financial guidance.

26. Bridgement

• Website: bridgement.com
• Ownership type: Private
• Headquarters: Sandton, Gauteng, South Africa
• Employee distribution: South Africa 100%
• Founded year: 2016
• Headcount: 11-50
• LinkedIn: bridgement

Bridgement is a financial services company based in Sandton, Gauteng, South Africa, founded in 2016. The company focuses on providing business funding solutions tailored for small and medium enterprises (SMEs). Bridgement offers a range of products, including business loans, lines of credit, and invoice financing, which help businesses manage their cash flow and pursue growth opportunities. The firm leverages advanced technology and artificial intelligence to simplify the application process, allowing for approvals in under 24 hours. With over R2 billion in capital unlocked and more than 50,000 SMEs connected, Bridgement has established itself as a significant player in the South African business funding market. Their commitment to transparency and customer service is reflected in their high customer ratings and multiple industry awards, highlighting their innovative approach to business lending.

27. CAN Capital

• Website: cancapital.com
• Ownership type: Venture Capital
• Headquarters: Marietta, Georgia, United States (USA)
• Employee distribution: United States (USA) 97%, Costa Rica 3%
• Latest funding: Other (Debt), $175.0M, June 2024
• Founded year: 1998
• Headcount: 51-200
• LinkedIn: can-capital

CAN Capital, based in Marietta, Georgia, is a financial services firm that has been serving small businesses since its inception in 1998. The company specializes in providing working capital loans and equipment financing, aiming to support the growth and operational needs of small business owners. With a focus on quick access to funds, CAN Capital offers loans ranging from $2,500 to $250,000, with terms that can extend from 6 to 24 months. Their streamlined application process allows for fast decisions, often enabling funds to be deposited as quickly as the next business day. Over the years, CAN Capital has facilitated more than 190,000 funding transactions, totaling over $8 billion in working capital. The company recently secured $175 million in funding in June 2024, further solidifying its position in the small business lending market. Their commitment to helping small businesses manage cash flow and invest in necessary equipment underscores their relevance in the industry.

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