10 Small Business Funding Resources for You

More Than 15 Small Business Funding Resources for You

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Most small business owners can identify with the challenges of getting financing for their business or funding for a new product. There’s no short, easy road to funding, most of the time, but these small business funding resources can help.

List of Online Lending Marketplaces

Business funding resources are crucial for many cash-strapped small businesses. Acquiring third-party funding is the only option to help get their venture off the ground and promote and sustain growth. Fortunately, there are plenty of online lending marketplaces where small businesses can head to in order to find the right type of funding for their specific requirements.

Business Funding Resources Your Small Company Should Consider

If you need to secure financing for your small business, take a look at the following list of online business funding resources which provide different funding options from a variety of lenders.


Biz2Credit’s innovative technology platform uses a small business’s lending requirements to help find the best business funding resources available to them. This national lending marketplace brings you a simple way to accelerate the lending process.

The platform matches borrowers to business funding resources, based on every business’s unique profile. The process is completed within minutes, in a secure, efficient and transparent environment.

The Lending Club

The Lending Club connects borrowers with investors through its online marketplace. The Lending Club screens borrowers, facilitates the transactions and secures the loans businesses need to consolidate debt, finance major purchases and more.


Fundera is an online portal where you can compare dozens of small business loan options from one convenient place. By using the Fundera marketplace, you can save significant time comparing rates from the leading lenders in the United States. By forcing lenders to compete for your business and making sure you get the best rates and terms, the Fundera platform can help save you thousands of dollars.

The Funding Circle

The Funding Circle is essentially a community of investors offering business loans to companies of all industries and sizes. Funding Circle loans are funded by a community of thousands of investors, who are looking to lend to businesses like yours.

Not only can you secure the money you need for business operations and growth, but with the Funding Circle you can benefit from a quick application process, dedicated account manager and a fast decision.


Venturize is aimed at helping organizations take control of their financial future by discovering vetted resources. This online hub for small business financing provides you with unbiased information so you can be better informed about small business lending and how to become loan-ready.


Multifunding is dedicated to helping small businesses find and secure the best financing options. The loan marketplace works with hundreds of lenders across the United States, to find businesses the best loans for their specific purposes.

The online lending portal puts you in contact with a network of lenders, to help you choose the right loan for your business.


Use the Lendio platform to match your business borrowing requirements with Lendio’s network of 75-plus lenders. Lenders make offers and help small businesses choose the best loans based on their budget, goals and unique requirements.


Kiva proudly asserts to be the world’s first online lending platform, which connects online lenders to entrepreneurs and small businesses. On the Kiva platform, you simply apply for a loan, the loan then goes through the underwriting and approval process and is posted to Kiva for lenders to support. Lenders then crowdfund the loan in increments of $25 or more.

Opportunity Finance Network

The Opportunity Finance Network is run by the National Association of Community Development Financial Institutions. The network is aimed at helping individuals and organizations secure financing where traditional financing doesn’t reach.

The network is aimed at creating positive changes across the United States by financing projects and individuals that create and maintain small businesses, living-wage jobs, community facilities and more.


SmartBiz is dedicated to making small business lending easier for businesses. SmartBiz’s innovative technology enables fast and easy Small Business Administration (SBA) loans with low monthly payments and competitive rates. With a comprehensive marketplace of SBA-preferred banks, SmartBiz platform will significantly increase the chances of your loan application being successful.

There are plenty of sites that offer business loans – too many to try and list. There are resources at the State and City level, depending on where you live, that can help you financially. There are also lists of USA State websites that offer resources or details around funding and details available on what it takes to qualify for a small business loan as well as sources of start-up funding.

We welcome you to list resources in the comments. We want to see the path to funding get easier, more transparent, and understandable for small business as a whole and we hope these resources do that for you.

If you have discovered a great resource that can help a small business owner find financing or a grant, please share it below.

Money Photo via Shutterstock


TJ McCue TJ McCue served as Technology/Product Review Editor for Small Business Trends for many years and now contributes on 3D technologies. He is currently traveling the USA on the 3DRV roadtrip and writes at the Refine Digital blog.

22 Reactions
  1. These kind of companies (as Kabbage) are coming to Europe. Spotcap just launched in Spain!

  2. Great list! The small business funding sector has really been heating up in the last couple years.

    One that’s not on here that I highly recommend (full disclaimer I work with them) is Lendio. It’s basically a small business loan aggregator that matches small business owners with their ideal loan.

    • Thanks Erik! Much appreciated. Lendio is vaguely familiar and I’m glad you mentioned it here. SmallBiz readers will want to take a look.

  3. Thanks for these. I’ve heard of Kiva in the past. Kiva Zip sounds like an interesting addition. I didn’t know PayPal had something re: Working Capital.

  4. Finding some small business resources can be quite tough. The best I found so far is crowdsourcing. It is where a lot of small businesses have managed to live despite the depressing economy.

  5. How much do they charge as interest? Which of these above mentioned company charge minimum rate? How good are these companies for any new business?

    • Varies widely, Sanjib. We create the lists based on a bunch of different factors, so we try to provide resources that are reputable and easy for SMB owners to use. You’ll have to go look at each one and dig in to see if it works for you. Loans are never cheap, but they can mean the difference between growth and stagnation.

  6. I didn’t know about PayPal Working Capital. How would you fit in crowdfunding as a business funding resource?

  7. Great list! A lot of small business owners get some money from friends and family, and my startup, TrustLeaf, helps them organize the funding and create legal documents for free. I hope this is helpful!

  8. LoanMart launched a small business loan product last year that helps fund businesses that are too new / too small for most players in the market.

  9. What about LQD Business Finance? From what I’ve found, they have the lowest rates and still make the process easy and quick by including a loan application directly on their website. In my comparisons, their rates are significantly lower than most of the lenders mentioned above.

  10. Thanks for sharing great list of small business funding resources. These have really been heating up in the last couple years. You can also add these two business funding providers Emerchant Advance – Discount Merchant Funding and BankCard Funding.

  11. What happens if they apply to all of these lenders but keep getting turned down, where will they get help if they apply to all but with no avail? Where can they go but only after so many inquiries. What if they worked with a broker would they have saved time and money?

  12. A great list, like many others I hadn’t appreciated the PayPal working capital product. The factoring section didn’t have a link to any resources as such – we have those at FundInvoice for the UK marketplace. Factoring can also fit into the broader range of services referred to as invoice finance, where the later allows the user to retain control of their sales ledger in addition to receiving the funding for their cash flow.

  13. We’ve tried most of these platforms for our business with mixed results after reading your article.

    After a lot of frustration with some of the platforms, our adviser at the New York Small Business Development Center recommended SourceFunding.org and we had a great experience.

    Unlike some of the platforms listed, SourceFunding is 100% free because it is supported by universities and foundations, it has the largest network of over 100,000 funding sources and resources, and we highly recommend it!

  14. Great list! The small business funding sector has really been heating up in the last couple years.

  15. Great list! A lot of small business owners get some money from friends and family, and my startup

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