Best Alternative Lending Companies in Austin, United States
The 62 best Alternative Lending companies in Austin, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: inKind.
Ranked: Best Alternative Lending companies in Austin
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | inKind Digital dining rewards platform that allows users to earn cashback and perks when paying 60Customers top 20%Funding top 23%Tech top 33%News top 36% All 10 signals ▾Customerstop 20% Fundingtop 23% Techtop 33% Newstop 36% Growthtop 37% Talenttop 38% Producttop 40% Marketbottom 39% Moatbottom 38% Globalbottom 32% Customers: Play-Store rating 4.86★ across 13,870 ratings (2 apps) · Review volume +110% in 6 mo Funding: Raised $455M across 2 rounds · 2 rounds over 8 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 60/100 | $455M | 4 mo ago | Series B | 65 | Jonathan De Wolff Co-Founder & Chief Sustainability Officer | Cart FunctionalityApple iCloud MailGoogle Workspace+30 | — | 1 job opening |
| 2 | 8fig Provider of funding solutions for e-commerce businesses | $196M | 37 mo ago | Acquired | 98 | Assaf Dagan Co-Founder & Cto | WordPressApple iCloud MailGoogle Workspace+48 | — | — |
| 3 | 1st Commercial Credit Invoice factoring and asset-based lending solutions for business growth | $170M | 34 mo ago | Funding Raised | 5 | Raul Esqueda Founder & President | WebflowReactstyled-components+21 | — | — |
| 4 | Tomo Online marketplace for residential mortgages loans | $150M | 51 mo ago | Series A | 173 | Greg Schwartz Co-Founder & CEO | — | — | — |
| 5 | Billd SaaS-driven financing solution for construction material suppliers 62Funding top 24%Talent top 28%Moat top 31%Tech top 33% All 11 signals ▾Fundingtop 24% Talenttop 28% Moattop 31% Techtop 33% Producttop 39% Innovationtop 40% Patentstop 44% Growthtop 47% Marketbottom 45% Newsbottom 41% Globalbottom 33% Funding: Raised $134M across 7 rounds · 7 rounds over 8 yrs (0.9/yr) Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 62/100 | $134M | 7 mo ago | Series B | 63 63 → 104 (+65%) | Jesse Weissburg Cofounder & Chief Commercial Officer | WordPressApple iCloud MailGoogle Workspace+34 | 12 patents AI-powered project assessment, documentation, and contractor risk analytics platforms | — |
| 6 | Self Online marketplace for credit builder loans | $127M | 57 mo ago | Series E | 206 | Anthony Dichiara Co-Founder | Amazon WebstoreContentfulApple iCloud Mail+44 | — | — |
| 7 | BorrowersFirst Online lending platform for personal loans. | $100M | 113 mo ago | Deadpooled | 14 | — | — | — | — |
| 8 | Credit Cards Provider of credit card information and comparison services | $77M | 197 mo ago | Acquired | 56 | Elisabeth Demarse ex-CEO | WordPressMySQLMariaDB+21 | — | — |
| 9 | Onramp Funds Online lending platform providing working capital loans for e-commerce sellers | $66M | 37 mo ago | Series C | 33 | Eric Youngstrom Founder and CEO | WebflowApple iCloud MailGoogle Workspace+34 | — | — |
| 10 | Vyze Digital financial services company offering banking, investing, and auto finance solutions | $50M | 106 mo ago | Acquired | 73 | — | — | 2 patents Financial transaction processing and settlement platform infrastructure | — |
| 11 | LeasePoint Funding Group Online lending platform for business loans 27Product top 42%Innovation top 43%Funding top 47%Talent bottom 49% All 7 signals ▾Producttop 42% Innovationtop 43% Fundingtop 47% Talentbottom 49% Marketbottom 37% Globalbottom 30% Techbottom 28% Product: 2 distinct product lines · Company stage: Conventional Debt Innovation: 2 product lines rank vs industry peers · Fliar Intelligence Index 27/100 | $40M | 20 mo ago | Funding Raised | — | Jeff Markim CEO & MD | — | — | — |
| 12 | StellarFi Online platform offering credit repair solutions for consumers by reporting bill payments 42Tech top 30%Funding top 34%Growth top 45%Global bottom 36% All 5 signals ▾Techtop 30% Fundingtop 34% Growthtop 45% Globalbottom 36% Marketbottom 32% Tech: 43 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $25.7M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 42/100 | $26M | 22 mo ago | Series A | 47 | — | SentryZendeskApple iCloud Mail+18 | — | — |
| 13 | Founderpath Online lending solutions for business loans | $20M | 46 mo ago | Series A | 9 | — | SentryNode.jsYouTube+19 | — | — |
| 14 | Turnkey Lender AI-driven loan origination and management software for banks and non-bank lenders 55Moat top 39%Funding top 41%Tech top 42%Growth top 45% All 10 signals ▾Moattop 39% Fundingtop 41% Techtop 42% Growthtop 45% AItop 45% Talentbottom 49% Marketbottom 47% Productbottom 45% Globalbottom 39% Newsbottom 32% Moat: Editorial + unicorn rating 7/10 · 9 curated direct competitors tracked Funding: Raised $18.1M across 3 rounds · 3 rounds over 10 yrs (0.3/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $18M | 9 mo ago | Series A | 144 | Elena Ionenko Co-Founder | Windows ServerGoogle Sign-inMicrosoft ASP.NET+21 | — | 1 job opening |
| 15 | Able Lending Online platform for business term loans | $15M | 112 mo ago | Series B | 20 | — | — | — | — |
| 16 | Visio Leading DSCR lender empowering real estate investors with tailored financing solutions | $13M | 69 mo ago | Series B | 148 148 → 140 (-5%) | — | WordPressMySQLPHP+32 | — | — |
| 17 | Vault Student loan benefits platform | $13M | 76 mo ago | Series A | 16 | Joshua Pierce Co-Founder | — | 3 patents Antimicrobial and anti‑inflammatory drug formulations for infectious and age‑related diseases | — |
| 18 | Upside Online marketplace for inventory financing | $10M | 55 mo ago | Acquired | 23 | — | — | 14 patents Patents concentrated in computing, sensing & instrumentation | — |
| 19 | Chipper Student debt management solution | $7M | 51 mo ago | Seed | 7 | Tony Aguilar Founder & CEO | — | — | — |
| 20 | Equabli Provider of cloud-based debt collection and recovery solutions | $6M | 27 mo ago | Series A | 24 | Blake Hogan Co-Founder | Cart FunctionalitySquarespace CommerceSquarespace+25 | — | 1 partnership |
| 21 | RateGenius Auto refinance loans | $2M | 99 mo ago | Early Stage | 243 | Christopher Brown Co-Founder | Amazon WebstoreWordPressRollbar+33 | — | — |
| 22 | Next Seed P2B Marketplace for revenue sharing based business financing in Texas | $1M | 81 mo ago | Acquired | 24 | — | Google MapsReactAmazon Web Services+28 | — | — |
| 23 | Smart Payment Plan Automating bill payments by matching payments to paydays for financial ease | $602K | 63 mo ago | Funding Raised | 58 | David Engelman CEO | — | — | — |
| 24 | CoolMellon Crowdlending platform for accredited investors | $500K | 126 mo ago | Seed | — | Charlie Uchill Co-Founder & Managing Partner | — | — | — |
| 25 | OneLogos Connecting students, lenders, schools, and foundations in the financial aid community | $350K | 184 mo ago | Seed | 7 | Richard Haines Chairman and CEO | — | — | — |
| 26 | Grad Joy Debt management platform | $150K | 25 mo ago | Series B | — | Marco Carmen Co-Founder & CTO | — | — | — |
Top 12 Alternative Lending companies in Austin
#1
Series B · Austin, Texas · founded 2018 · 65 employees$455.3Mraised▾
Digital dining rewards platform that allows users to earn cashback and perks when paying. It allows seamless bill payments through an app, while offering rewards, bonuses, and promotional offers across a large network of partner locations. Users can discover venues, unlock dining benefits, and enhance their restaurant experience through integrated payment and loyalty features, all managed within a single digital interface.
- Feb 2026Series B$450M
- Feb 2026Conventional Debt—
- Apr 2018Conventional Debt—
- Apr 2018Series A$5.3M
#2
Series B · Austin, Texas · founded 2018 · 63 employees$134.1Mraised▾
SaaS-driven financing solution for construction material suppliers. The platform enables material suppliers and contractors to register and buy materials by making online payments. It also facilitates users to make payments, cash flow management for projects, project completion management, and more.
- Nov 2025Series B—
- Jul 2025Series B$7.5M
- Apr 2024Series B$17.5M
- May 2023Series B$18.2M
#3
Series A · Austin, Texas · founded 2014 · 144 employees$18.1Mraised▾
Turnkey Lender offers AI-driven loan origination and management software for banks and non-bank lenders. It features cloud-based lending software with credit application processing and loan management for banks, financial institutions, and online lending businesses. It provides solutions such as customer onboarding, loan origination, fraud prevention, loan servicing, risk management, and debt collection. It uses AI for alternative scoring in order to calculate portfolio credit quality and risk of the lending operation.
- Aug 2025Series A—
- Jul 2022Conventional Debt—
- Jun 2022Series A$10M
- Apr 2021Series A$6.1M
#4
Funding Raised · Austin, Texas · founded 2016$40Mraised▾
Online lending platform for business loans
- Oct 2024Conventional Debt$40M
#5
Series A · Austin, Texas · founded 2021 · 47 employees$25.7Mraised▾
Online platform offering credit repair solutions for consumers by reporting bill payments. It allows users to link their bank account which enables the platform to fetch data regarding their bill and rent payments. It also allows it to report the same to the credit bureaus and helps in building the credit score of an individual.
- Aug 2024Series A$3.5M
- Mar 2023Series A$15M
- Mar 2022Seed$7.2M
#6
Acquired · Austin, Texas · founded 2020 · 98 employees$196.5Mraised▾
Provider of funding solutions for e-commerce businesses. Its features include inventory analysis, freight, shipping, marketing, cash flow management, repayment cycles, and more.
- May 2023Conventional Debt—
- Apr 2023Series B$140M
- Nov 2021Conventional Debt—
- Oct 2021Series A$50M
#7
Funding Raised · Austin, Texas · founded 2001 · 5 employees$170Mraised▾
Invoice factoring and asset-based lending solutions for business growth. They provide working capital solutions through accounts receivable financing, purchase order financing, and export-import financing. They cater to diverse industries, offering financial tools to manage cash flow, fund operations, and support expansion. Their services include invoice factoring, which converts credit sales into immediate cash, and asset-based lending, providing higher advance rates. They also offer equipment financing, fuel card programs, and government receivables financing. They focus on helping businesses with seasonal sales, rapid growth, or those needing alternatives to traditional bank loans. They provide flexible financing solutions to meet immediate capital needs, supporting businesses in various sectors.
- Aug 2023Conventional Debt$170M
#8
Series C · Austin, Texas · founded 2019 · 33 employees$66.3Mraised▾
Online lending platform providing working capital loans for e-commerce sellers. Businesses need to create an account in order to fund inventories by applying for working capital loans via connecting with multiple lending partners. Repayment of loans begins when the business starts selling inventory products to customers.
- May 2023Series C$13M
- May 2022Conventional Debt—
- May 2022Series C$42M
- Mar 2022Series B$11.3M
#9
Series E · Austin, Texas · founded 2015 · 206 employees$127Mraised▾
Online marketplace for credit builder loans. It enables users to access loans for building credit scores in order to avail loans and financial products. It features a digital account for accessing loans, building payment history, credit, and more. The application is available on Android and iOS platforms.
- Sep 2021Series E$50M
- Dec 2020Series D$40M
- Feb 2020Series C$20M
- Nov 2018Series B$10M
#10
Series A · Austin, Texas · founded 2020 · 173 employees$150Mraised▾
Developer of mortgage and transaction platform designed to overcome the hassle of owning a home. The company's platform focuses on data, automation, and third-party API integrations, enabling clients to carry out real estate transactions with ease and in less than average industry time.
#11
Series A · Austin, Texas · founded 2020 · 24 employees$6.3Mraised▾
Provider of cloud-based debt collection and recovery solutions. It offers a suite of tools encompassing the entire debt management process, from intelligent digital collections and streamlined workflows to predictive analytics and comprehensive document management. These solutions aim to improve efficiency, optimize outcomes, and empower borrowers with self-service repayment options. The platform facilitates robust agency and inventory management with embedded compliance oversight, automating strategy execution and aggregating delinquent portfolio data. The company's focus is on creating a positive and intuitive experience for all parties involved in the debt recovery lifecycle.
- Mar 2024Series A$2M
- Dec 2022Series A$3.4M
#12
Series A · Austin, Texas · founded 2018 · 9 employees$20Mraised▾
Founderpath provides online lending solutions for business loans. It provides capital for SaaS founders including term loans, revenue-based financing, and merchant cash advances. It offers a tool for SaaS debt calculation to generate a credit score for borrowers.
- Aug 2022Series A$10M
- Aug 2022Conventional Debt$135M
- Feb 2021Angel$10M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.