Online lenders, funding marketplaces and revenue-based funders. A marketplace lets one application reach several funders so you can compare offers instead of taking one.
Check my optionsFinancing options
In 2026 the non-bank market covers almost every need a bank does, from revolving credit to equipment, usually with faster decisions and more flexible criteria.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A person reviews your revenue, time in business and bank activity, often within hours.
Net cash, total payback and payment shown before you sign.
Existing balances of $100,000 or less can be bought out.
A human reads the file, not just an algorithm score.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
The main categories have not changed much, but they have become easier to compare. Revenue-based funders and merchant cash advance providers decide on bank statements within hours. Online lenders offer lines of credit and short-term loans for owners with stronger credit. Factoring and invoice-financing firms serve businesses that sell on terms, and equipment lenders finance machinery with the equipment as collateral.
What changed most is how owners shop. Many states now require standardized cost disclosures for commercial financing, which makes it easier to compare offers on the same basis. Marketplaces route one application to multiple funders, so owners can see competing offers rather than negotiating with one provider at a time.
The best alternative is the one whose repayment fits your cash cycle at a cost the project can carry. Compare net proceeds, total payback, payment frequency and early-payoff terms, and read the contract for renewal and default terms before you sign.
In 2026, more states require standardized cost disclosures for commercial financing, which makes alternative offers easier to compare than a few years ago. Ask for the disclosure where your state requires it and use it as the starting point for your comparison.
Here is a typical non-bank offer, broken down so you can compare it with any other. Illustrative only.
| Amount funded | $100,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $135,000 |
| Fees deducted at funding (2%) | $2,000 |
| Net cash you receive | $98,000 |
| Weekly payment over 52 weeks | $2,596 |
| Same total as daily debits (~260 business days) | $519/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Speed | Same-day decision, next-day funding is common |
| Disclosure | Ask for the standardized cost disclosure where required |
| Payment | Daily, weekly or monthly — pick what fits |
| Early payoff | Ask if a discount applies |
| Reputation | Check reviews and written terms |
Good fit:
Probably not yet:
Revenue-based funding, merchant cash advances, online lines of credit, short-term loans, invoice factoring and equipment financing.
Several states require commercial financing disclosures that show cost in a consistent way. Ask for one if your state requires it.
With a complete file, many decisions come the same day and funding follows the next business day.
Most funders want at least a few months of deposits. Very new businesses may need microloans or community lenders first.
You see multiple offers from one application, which makes it easier to choose on net cash and total cost.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding