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Data Product
Speed matters. These 32 lenders close within 30 days — drawn from our live database, updated daily.
1st Commercial Credit is a direct asset-based lender providing invoice factoring, accounts receivable financing, ABL credit lines, equipment financing, and purchase order financing off its own balance sheet. It funds facilities up to $10 million across the US and Canada, serving working-capital-intensive industries such as staffing, trucking, construction, manufacturing, and healthcare. The firm emphasizes fast setup, with initial funding in 3-5 days and 24-hour advances thereafter.
Action Capital Corporation is a non-bank provider of working capital financing to small and medium sized businesses, founded in 1959 and headquartered in Atlanta, GA. It offers accounts receivable financing and factoring, ledgered lines of credit, and government contractor financing, with facilities from $50,000 up to $15 million. The firm lends across a variety of industries throughout the United States.
Private real estate lender and alternative investment manager (founded 2006) originating short-term residential transition, bridge, construction, and renovation loans for professional builders, developers, and investors.
Austin Financial Services is a Los Angeles-based asset-based lender providing working-capital revolving lines of credit secured by accounts receivable and inventory, with additional machinery-and-equipment term loan capabilities. It targets middle-market companies with $10MM-$250MM in revenue, writing facilities of $1MM-$20MM across manufacturing, transportation and logistics, distribution, staffing, and food and beverage. Closed transactions include AR and inventory revolvers with M&E term loans ranging from $3MM to $12.4MM.
Avtech Capital is an independent commercial equipment finance and leasing company founded in 2002 that funds middle-market equipment leases and loans off its own portfolio, using securitization facilities and asset-backed programs. It finances a broad range of equipment across manufacturing, transportation, healthcare, technology, construction and other industries. Financing solutions range from roughly $250K to $50M and above.
Bibby Financial Services is a family-owned, independent invoice finance provider headquartered in the United Kingdom with over 40 years of operating history, funding more than 8,500 businesses. It lends directly off its own book, offering factoring, confidential invoice discounting, asset finance, trade finance, and bad debt protection, with funding lines from £50k up to £20m. The firm serves SMEs across the UK, Europe, and Asia in a broad range of industries.
Celtic Capital Corporation is an independent asset-based lender headquartered in Calabasas, California, operating for over 43 years. It provides accounts receivable, inventory, equipment, and capex financing from $500,000 to $8 million, lending directly off its own balance sheet. Clients span manufacturing, distribution, logistics, and food production businesses.
Cencor Capital is an Illinois-based independent equipment leasing and commercial finance company serving start-up, emerging-growth, middle-market, and highly leveraged US companies. It provides equipment lease lines, software finance, and senior and subordinated term loan facilities, with equipment deals from $250K to $10M and venture finance facilities up to $25M. Financed assets span IT, medical, production machinery, laboratory and test equipment, and data center infrastructure across sectors including technology, healthcare, manufacturing, and alternative energy.
Focuses on providing non-dilutive growth capital to profitable or near-profitable companies. Ideal for businesses seeking growth funding without giving up equity or board control. Flexible repayment schedules based on a percentage of future revenue.
Focus on impact investing across various strategies including renewable energy, small business, and community development. Utilizes tax credit programs (e.g., New Markets Tax Credits, Historic Tax Credits) as a core part of its investment strategy. Strong focus on generating both financial returns and measurable social/environmental impact.
GreenLake Asset Management is a direct lender specializing in short-term commercial bridge loans. They focus on special situations and value-add opportunities. The firm expected to close approximately $400 million in loans in 2024.
IAF is a partnership with the Nahmad family. The firm specializes in non-recourse loans collateralized by fine art.
Karmen is a Paris-based fintech lender providing fully online, non-dilutive short-term loans (1-24 months) and B2B invoice factoring to French SMEs and digital businesses. It lends off its own funding lines, backed by a EUR 100 million debt facility from Fasanara Capital, and took over the activities of Silvr. Financing is capped at 20% of annual sales up to EUR 5 million, priced at roughly 0.9-1.2% per month, with funds wired within 48 hours of offer acceptance.
Direct lender specializing in small to middle market debt opportunities. Lends on own balance sheet and services portfolio in-house. Currently deploying Layla Fund II, LP.
Revenue-based lender
Navitas Credit Corp is a direct equipment finance lender headquartered in Ponte Vedra, Florida, operating as a wholly owned subsidiary of United Community (NYSE: UCB). It provides equipment financing from $5,000 to $5 million to small and mid-sized businesses across industries including healthcare, industrial and construction, vocational trucking, franchise, restaurant, and technology. The firm reports over $6.8 billion in total financing provided to more than 100,000 businesses.
Porter Capital is an alternative commercial finance company providing invoice factoring, accounts receivable financing, non-recourse factoring, and asset-based lending directly from its own book. It funds B2B companies with lines from $50K up to $25MM, advertising rates as low as 0.4% and funding in as little as 24 hours. The firm serves staffing, manufacturing, distribution, transportation, oil and gas, government contracting, and technology businesses across the US.
Prestige Capital is a US-based invoice factoring and receivables finance firm that has funded clients directly as principal since 1985. It purchases accounts receivable at a discount from companies with annual sales of roughly $3M to $300M, with published facilities ranging from a few hundred thousand dollars to $30M+. The firm funds across North America, with underwriting typically completed in 5-7 business days and initial funding in 24-72 hours after documentation.
Direct private real estate lender offering bridge loans for real estate investors. States it does not rely on other institutions to close loans.
Nationwide private direct lender (est. 2010) providing fix & flip, long-term rental, multifamily, new construction, and rental portfolio financing for real estate investors. In-house underwriting and approvals.
re:cap is a Berlin-based fintech lender providing non-dilutive credit lines of €50K to €3M (up to €5M per its homepage) to B2B companies with predictable, recurring revenue streams in the EU and UK. Eligibility centers on tech-led businesses with ARR between €1-10M, at least €250K annual revenue, and 6+ months runway near break-even or profitable. Funding requires no personal guarantees or equity warrants, and the platform pairs its credit product with liquidity analysis and capital-management tooling.
RevTek Capital is a Mesa, Arizona-based direct lender providing growth debt of $2M to $20M+ to SaaS and tech-enabled companies with established recurring revenue, typically $5M to $75M in ARR. Its capital is structured as founder-friendly term loans with fixed payment schedules rather than revenue-based variable payments. The firm targets North American companies with strong retention and capital-efficient unit economics, and cites over $250M in credit provided across its portfolio.
Romspen Investment Corporation is one of Canada's largest and longest-standing commercial mortgage firms, lending directly from its own fund with approximately $2.7 billion in AUM. It provides construction and pre-development loans, term loans, and bridge financing secured by commercial real estate, with loan sizes of $10 million to $150 million and up. The firm lends in primary and secondary markets across Canada and the United States.
RTS Financial is a direct freight invoice-factoring company that advances funds against carriers' outstanding invoices, offering same-day payment. It serves trucking, staffing, and oilfield operators and pairs factoring with fuel-card discounts, equipment financing, and load-board tools. Funding is provided directly rather than through a broker or marketplace.
Sallyport Commercial Finance is a specialty finance company headquartered in Sugar Land, Texas, with Canadian operations in Mississauga, Ontario, providing working-capital funding to small and mid-sized businesses across North America. Its products include factoring, accounts receivable financing, asset-based lending, cash flow loans, purchase order financing, inventory financing, and machinery and equipment financing. Founded in 2014 and acquired by Northrim Bank in October 2024, it continues to operate under its own brand and advertises funding in as little as 7 to 10 days, serving industries such as manufacturing, oil and gas, apparel, renewable energy, food and beverage, staffing, and technology.
Private real estate lender offering bridge and long-term term loans nationwide for fix & flip, multifamily, mixed-use, commercial, and ground-up construction. Originates via Sharestates Investments, LLC (CA Finance Lender).
Focuses on providing growth capital to small and medium-sized businesses, often with recurring revenue models. Specializes in non-dilutive financing solutions.
Non-recourse loan structure. Focus on value-add and opportunistic real estate investments.
VFI Corporate Finance is a direct lender providing equipment and project financing to middle-market companies.
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