Term loans and lines of credit. Relationship banking preferred.
Bank of America Business
BankEstablishedAll
$10K–$250K
Loan Range
Min. Credit Score: 700+
Time in Business: 2+ years
Preferred Rewards for Business members get better rates.
Wells Fargo Business
BankEstablishedAll
$10K–$100K
Loan Range
Min. Credit Score: 680+
Time in Business: 2+ years
Unsecured lines of credit available for qualified businesses.
U.S. Bank Business
BankEstablishedAll
$5K–$250K
Loan Range
Min. Credit Score: 680+
Time in Business: 2+ years
Strong SBA preferred lender. Good for equipment financing.
Kabbage (American Express)
OnlineGrowthAll
$2K–$250K
Loan Range
Min. Credit Score: 640+
Time in Business: 1+ year
Revolving line of credit. Fast approval (minutes). Revenue-based.
OnDeck Capital
OnlineGrowthAll
$5K–$250K
Loan Range
Min. Credit Score: 625+
Time in Business: 1+ year
Term loans and lines of credit. Same-day funding available.
Fundbox
OnlineEarly/GrowthAll
$1K–$150K
Loan Range
Min. Credit Score: 600+
Time in Business: 6+ months
Invoice financing and lines of credit. No minimum revenue.
BlueVine
OnlineGrowthAll
$6K–$250K
Loan Range
Min. Credit Score: 625+
Time in Business: 6+ months
Lines of credit with weekly or monthly repayment options.
Lendio
MarketplaceAll StagesAll
$500–$5M
Loan Range
Min. Credit Score: 550+
Time in Business: 6+ months
Loan marketplace — one application, multiple lender offers.
Fundera (NerdWallet)
MarketplaceAll StagesAll
$5K–$5M
Loan Range
Min. Credit Score: 600+
Time in Business: 6+ months
Compares multiple lenders. Good for first-time borrowers.
Credibly
OnlineEarly/GrowthAll
$5K–$400K
Loan Range
Min. Credit Score: 500+
Time in Business: 6+ months
Merchant cash advances and working capital loans. Low credit OK.
National Funding
OnlineGrowthAll
$5K–$500K
Loan Range
Min. Credit Score: 600+
Time in Business: 6+ months
Equipment financing and working capital. Fast funding.
Crest Capital
EquipmentEstablishedAll
$5K–$1M
Loan Range
Min. Credit Score: 650+
Time in Business: 2+ years
Equipment loans and leases. 100% financing available.
Balboa Capital
EquipmentGrowthAll
$10K–$250K
Loan Range
Min. Credit Score: 620+
Time in Business: 1+ year
Equipment financing with same-day approval possible.
Currency Capital
EquipmentGrowthAll
$5K–$2M
Loan Range
Min. Credit Score: 600+
Time in Business: 1+ year
Specializes in equipment financing across all industries.
altLINE (The Southern Bank)
InvoiceGrowthB2B
$30K–$5M
Loan Range
Min. Credit Score: N/A
Time in Business: 6+ months
Invoice factoring. Approval based on your customers' credit, not yours.
RTS Financial
InvoiceEarly/GrowthTrucking/Transport
$5K–$5M
Loan Range
Min. Credit Score: N/A
Time in Business: 3+ months
Freight factoring specialist. Same-day funding.
Triumph Business Capital
InvoiceGrowthTrucking/B2B
$10K–$10M
Loan Range
Min. Credit Score: N/A
Time in Business: 6+ months
Invoice factoring with fuel card program.
Clearco (formerly Clearbanc)
Revenue-BasedGrowtheCommerce/SaaS
$10K–$10M
Loan Range
Min. Credit Score: N/A
Time in Business: 6+ months
Revenue share model. No equity dilution. Ideal for online businesses.
Pipe
Revenue-BasedGrowthSaaS/Subscription
$50K–$1M
Loan Range
Min. Credit Score: N/A
Time in Business: 1+ year
Trade recurring revenue for upfront capital. No dilution.
Accion Opportunity Fund
CDFIAll StagesAll
$5K–$250K
Loan Range
Min. Credit Score: 575+
Time in Business: 6+ months
Mission-driven lender. Focuses on underserved entrepreneurs.
Grameen America
CDFIStartupAll
$2K–$15K
Loan Range
Min. Credit Score: None
Time in Business: Startup OK
Microloans for women entrepreneurs. Group lending model.
LiftFund
CDFIAll StagesAll
$500–$1M
Loan Range
Min. Credit Score: 575+
Time in Business: Startup OK
CDFI serving TX, LA, and surrounding states. SBA preferred.
SBIR/STTR Grants (SBA)
GrantR&D/TechTechnology/Science
$150K–$2M
Loan Range
Min. Credit Score: N/A
Time in Business: N/A
Federal R&D grants. Highly competitive but non-dilutive.
Amber Grant (WomensNet)
GrantAll StagesWomen-Owned
$10K/month
Loan Range
Min. Credit Score: N/A
Time in Business: N/A
Monthly $10K grant for women business owners. Easy application.
FedEx Small Business Grant
GrantGrowthAll
Up to $50K
Loan Range
Min. Credit Score: N/A
Time in Business: 6+ months
Annual competition. Top prize $50K + FedEx services.
Visa Everywhere Initiative
GrantStartup/GrowthFintech/Payments
Up to $100K
Loan Range
Min. Credit Score: N/A
Time in Business: N/A
Competition for startups solving payment/commerce challenges.
USDA Rural Business Grants
GrantAll StagesRural Businesses
Varies
Loan Range
Min. Credit Score: N/A
Time in Business: N/A
Multiple grant programs for businesses in rural areas.
National Minority Supplier Development Council
MinorityGrowthAll
Varies
Loan Range
Min. Credit Score: N/A
Time in Business: 1+ year
Certification + access to corporate supplier programs and financing.
8(a) Business Development Program (SBA)
MinorityEstablishedAll
N/A (contracts)
Loan Range
Min. Credit Score: N/A
Time in Business: 2+ years
Federal contracting program for socially/economically disadvantaged businesses.
Minority Business Development Agency (MBDA)
MinorityAll StagesAll
Varies
Loan Range
Min. Credit Score: N/A
Time in Business: N/A
Federal agency connecting minority businesses to capital and contracts.
How to Use This Directory
1
Assess your current profile
Before applying anywhere, complete the Fundability Readiness Checklist to understand your current score, time in business, and documentation status.
2
Match lenders to your profile
Filter by your business stage and credit score. Only apply to lenders whose minimum requirements you meet — premature applications damage your credit.
3
Start with the best fit
Apply to 2–3 lenders at a time, not all at once. Multiple hard inquiries in a short period signal financial distress to lenders.
4
Prepare your application package
Use the Lender Application Package Template to prepare a professional package before submitting. Lenders who receive complete packages approve 3x more often.
5
Track your applications
Keep a spreadsheet of every application: lender name, date submitted, amount requested, status, and follow-up date.
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