# Business lender directory

Source: https://businessloanbroker.ai/lenders/
Site: BusinessLoanBroker.ai (powered by Levr)

> Profiles of 50 US and Canadian business lenders: what each funds, who it declines, what it costs and how it compares. Apply once to reach the right ones.

This directory profiles 50 lenders that fund businesses in the United States and Canada, from the big banks to online lenders, factors, equipment lessors and SR&ED financiers. Each profile tells you what the lender offers, who it funds and who it turns away, what it publishes about cost and speed, what you will need to apply, and which two or three similar lenders to compare it with.

## Key facts
- **Lenders profiled:** 50 across the United States and Canada
- **Categories:** Banks, SBA, online term and line, revenue based, factoring, equipment, cash advance, venture debt and SR&ED
- **Each profile covers:** Products, funding range, who they fund and decline, cost, documents, similar lenders
- **Source:** Each lender's published terms, restated for business owners; pricing is quoted per file unless the lender publishes it

## How should you use this directory?

Start with the product you need, then narrow by country. If you know you want a [line of credit](https://businessloanbroker.ai/business-loans/line-of-credit/), the online term and line group has a dozen options; if you are waiting on invoices, go straight to the factoring group. Canadian businesses should check the Canada focused row first, because most US online lenders do not lend across the border. If you are not sure which product fits, our [loan types](https://businessloanbroker.ai/business-loans/) hub explains each one in plain terms, and the [comparisons](https://businessloanbroker.ai/compare/) put the common pairs side by side.

Every profile links to its two closest alternatives, so you can move between lenders without starting over. The table below groups all 50 by category.

## Bank, online or specialty lender: which type fits you?

Banks and SBA lenders are the cheapest money if you qualify, and they usually want two years of history, good credit and a full set of financials, with a timeline measured in weeks. Online lenders decide in days on bank statements alone and cost more for that speed. Specialty lenders, meaning factors, equipment lessors, revenue based funders and SR&ED financiers, lend against a specific asset or cash flow rather than your credit, so they can say yes when a bank says no. Our [online lenders versus banks](https://businessloanbroker.ai/compare/online-lenders-vs-banks/) comparison goes deeper, and [why loans get denied](https://businessloanbroker.ai/guides/why-loans-get-denied/) explains the most common reasons a file fails.

## What does each profile tell you?

Each profile restates the lender's published terms in plain language and says clearly when something is not published, so you are not guessing. Where a lender does not publish pricing, the profile points you to the typical range for that product. You can apply once on this site and matching shows which of these lenders, or similar ones, fit your file, or ask your AI assistant to apply for you through our [MCP server](https://businessloanbroker.ai/agents/). Before you apply anywhere, gather the documents in our [document checklist](https://businessloanbroker.ai/guides/document-checklist/); nearly every lender here asks for the same core set.

| Category | Lenders |
|---|---|
| Banks and credit unions | Huntington Bank, Live Oak Bank, RBC Royal Bank, National Bank of Canada, Ameris Bank Equipment Finance |
| SBA and government backed | Newity, Ready Capital, Live Oak Bank, Huntington Bank, Bluevine, BDC, RBC Royal Bank, National Bank of Canada |
| Online term and line lenders | Bluevine, Fundbox, OnDeck, Headway Capital, Backd, Fora Financial, Kapitus, National Funding, Rapid Finance, IOU Financial, Credibly, CAN Capital, Driven, Journey Capital, Merchant Growth |
| Revenue based and ecommerce | 8fig, Clearco, Wayflyer, Uncapped, Forward Financing, Expansion Capital Group, CFG Merchant Solutions, Lighter Capital, Loop |
| Invoice factoring and A/R | FundThrough, Dare Capital, Drip Capital, Accord Financial, Capitally, Garrington Capital, Capchase |
| Equipment | Ameris Bank Equipment Finance, Camber Road, NFS Capital, CAN Capital, National Funding, Pillar Capital, Garrington Capital |
| Merchant cash advance | 2M7 Financial, CanaCap, Greenbox Capital, Credibly, Fora Financial, Journey Capital, Merchant Growth, Clearco, Wayflyer, Uncapped |
| Venture debt and SR&ED | Bonsai Growth, Finalta Capital, Venbridge, Flow Capital, Coho Growth, Lighter Capital, Camber Road |
| Canada focused | 2M7 Financial, Accord Financial, BDC, Bonsai Growth, CanaCap, Capitally, Driven, Finalta Capital, Flow Capital, FundThrough, Garrington Capital, Greenbox Capital, Journey Capital, Loop, Merchant Growth, National Bank of Canada, Pillar Capital, RBC Royal Bank, Venbridge |

## Questions and answers
**Does a listing mean the lender is on your network?**

A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you. The directory exists so you can compare the market before you apply.

**Why do most profiles say pricing is quoted per file?**

Because most lenders do not publish rates. They price each application on credit, revenue, time in business and the product. Where a lender does publish pricing, such as FundThrough, Newity or Loop, the profile states it and labels it as published by the lender.

**Which lenders serve Canadian businesses?**

The Canada focused row in the table lists 19, including the banks, BDC, the Canadian online lenders, the factors and the SR&ED financiers. Several lenders based elsewhere, such as 8fig, Lighter Capital, Uncapped, Camber Road and NFS Capital, also list Canada as a market.

**Can my AI assistant use these profiles?**

Yes. Each section is written so an assistant can lift it as a correct answer. Connected to our MCP server, your assistant can also read your documents, match you with lenders and submit the application for you.

## Related
- [Every type of business loan, explained](https://businessloanbroker.ai/business-loans/)
- [Online lenders versus banks](https://businessloanbroker.ai/compare/online-lenders-vs-banks/)
- [Business loan broker versus direct lender](https://businessloanbroker.ai/compare/broker-vs-direct-lender/)
- [Business loan document checklist](https://businessloanbroker.ai/guides/document-checklist/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lenders
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)