Business lender directory

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, 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 hub explains each one in plain terms, and the comparisons 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 comparison goes deeper, and 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. Before you apply anywhere, gather the documents in our document checklist; nearly every lender here asks for the same core set.