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Updated by Zack Miller on Nov 01, 2016
Headline for Top Online Business Lenders
Zack Miller Zack Miller
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Top Online Business Lenders


Funding Circle

Funding Circle is an online marketplace where people can directly lend to small businesses in the UK, US, and throughout Europe.
People lend small amounts to multiple creditworthy businesses to spread their risk. In turn, those businesses borrow from a multitude of people through an auction mechanism to get a lower interest rate.
Lenders are able to loan specifically to businesses in their community or businesses that meet certain criteria, such as being environmentally friendly.




Ondeck is a technology-enabled financial platform that provides loan financing to small- and medium-sized businesses. The company uses proprietary software to aggregate data about a business’ operations which is processed by an algorithm that determines loan eligibility.
OnDeck was founded in 2006 and is based in New York City, United States.


Kabbage, Inc. is a financial technology and data company that pioneered a new, automated way to lend money to small businesses and consumers. The company simplified the manual application process to one that is 100% online and automated. Businesses and consumers can use their own data to submit an application online and receive an immediate decision and access to funds on the spot.
Kabbage leverages data generated such as revenue, accounting data, business transactions, shipping data, social media and other sources to understand a business’s overall health and calculate credit lines throughout the customer lifecycle.
The company began making its first loans to online merchants in 2011 and extended its lending to all small businesses – online and brick-and-mortar – in February 2014.

PayPal Working Capital

PayPal Working Capital is offered exclusively to select PayPal business customers based on their PayPal sales history. After approval, loan funds are deposited directly into PayPal accounts within minutes and available to use for business customers.




C2FO is the first working capital market in the world. It works to create a seamless match between A/R and A/P that is enabling efficiency in the riskless provisioning of working capital between suppliers and buyers. Finally, suppliers can take control of their cash flow while buyers can increase EBITDA and gross margin and earn a better return on short-term cash while improving the financial health of their supply chains.


Fundbox is a small business solution designed by a small business. It was built by a group of technological innovators and financial professionals with the mission of helping small businesses grow, become independent and achieve their full potential. It is based in San Francisco.




Bizfi combines aggregation, funding and a participation marketplace on a single platform for small businesses. Founded in 2005, Bizfi and its family of companies have provided over $1.3 billion in financing to more than 26,000 small businesses in a wide variety of industries across the United States.
Bizfi's connected marketplace instantly provides multiple funding options to businesses from a wide variety of funding partners and real-time pre-approvals. Bizfi's funding options include short-term financing, franchise funding, lines of credit, equipment financing, invoice financing, medium-term loans and long-term loans guaranteed by the U.S. Small Business Administration. The Bizfi API provides a turnkey white label or co-branded solution that easily allows strategic partners to access the Bizfi engine.


BlueVine is an invoice factoring company founded with a simple goal - to help small businesses overcome their short-term cash flow challenges. Specifically, BlueVine bridges the cash gap which happens due to slow paying customers by enabling businesses to sell their unpaid invoices. With BlueVine there's no need to wait for net 30 or even 60 ever again. The company provides a quick, simple and 100% online solution. Opening an account is easy and takes less than 2 minutes. Funds are typically available within 1 business day.


The Dealstruck lending marketplace connects profitable, small- and medium-sized businesses with individual and institutional accredited investors. Unlike the one-size-fits-all approach offered to them by banks and the high-cost, short-term credit offered to them by alternative lenders, Dealstruck claims to provide more patient growth capital that allows businesses time to plan and execute for maximum success.




Behalf fills a significant economic need, by offering access to short-term financing for businesses of all size, with flexible repayment terms. Its innovative method of analyzing credit requires businesses to answer just four questions. Then, customers get access to fast, fair financing to help them seize opportunities, address cash flow needs, and keep growing. Behalf pays vendors directly, so there’s no paperwork to deal with, no time wasted waiting for checks to clear, making the process as simple and efficient as possible. Behalf was previously named Zazma.


Credibly was formerly known as RetailCapital. Credibly is an emerging Fintech platform, leveraging Data Science and technology with a manic focus on the customer experience. The firm created a unique lending and capital platform in order to serve small and medium businesses as a trusted and committed partner.

ApplePie Capital

ApplePie Capital is a marketplace lender for franchise financing. The firm’s franchise loan marketplace enables entrepreneurs to obtain financing to start or expand their franchise business. ApplePie Capital enables investors to earn attractive fixed-income returns with established franchise brands they know and trust.


Kickfurther is the first crowdfunded inventory marketplace. We allow users to buy inventory directly from suppliers and partner with businesses to sell the inventory.
Businesses get access to inventory through a consignment model and can leverage existing financing costs to tap a new sales and marketing channel.