Best Alternative Lending Companies in Florida, United States
The 169 best Alternative Lending companies in Florida, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Cortera.
Ranked: Best Alternative Lending companies in Florida
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Cortera Credit scoring and assessment solutions for businesses | $576M | 92 mo ago | 70 | Shubhro Sen Co-Founder | SalesforceBootstrapGoogle Font API+7 | Top 1M | — | — |
| 2 | eCapital Provider of asset-based, supply chain, and invoice financing solutions 74Funding top 20%Tech top 31%Talent top 31%Growth top 35% All 12 signals ▾Fundingtop 20% Techtop 31% Talenttop 31% Growthtop 35% Fin. healthtop 35% Partnerstop 37% Markettop 43% Newstop 44% Producttop 47% Customerstop 50% Moatbottom 43% Globalbottom 37% Funding: Raised $470M across 8 rounds · 8 rounds over 2 yrs (4.0/yr) Tech: 46 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 74/100 | $470M | 8 mo ago | 155 | Marius Silvasan Co-CEO | WordPressApple iCloud MailMicrosoft 365+26 | Top 1M | — | — |
| 3 | SellersFi Online lending platform for business financing | $166M | 30 mo ago | 125 | Ricardo Pero Co-Founder & CEO | WordPressApple iCloud MailMicrosoft 365+29 | Top 10M | — | — |
| 4 | FlexShopper Lease-to-own payment and financing option provider. | $142M | 120 mo ago | 155 | Morry Rubin Co-Founder | WordPressApple iCloud MailMySQL+39 | Top 500k | 10 patents Digital rent‑to‑own transaction platform for consumer goods and services | — |
| 5 | LSQ Online marketplace for trade financing | $130M | 50 mo ago | 130 | Dan Ambrico CEO | — | — | — | — |
| 6 | Marco Provider of an online lending platform for trade financing solutions | $128M | 27 mo ago | 114 | Jacob Shoihet CEO & Co-Founder | — | — | — | — |
| 7 | Everest Business Funding Provider of revenue-based financing for businesses | $70M | 134 mo ago | 77 | Scott Crockett CEO | WordPress Block EditorElementorWordPress+33 | Top 5M | — | — |
| 8 | Crossroads Online trade financing marketplace for businesses | $50M | 53 mo ago | — | Lee Haskin CEO | WordPressMySQLPHP+16 | Top 50M | — | — |
| 9 | Janover Provider of real estate financing services 50Innovation top 29%Funding top 32%Tech top 35%Product top 35% All 10 signals ▾Innovationtop 29% Fundingtop 32% Techtop 35% Producttop 35% Partnerstop 45% Fin. healthtop 46% Growthbottom 45% Globalbottom 37% Marketbottom 31% Newsbottom 27% Innovation: 5 new-product events in 24 mo Funding: Raised $42.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 50/100 | $42M | 14 mo ago | 22 22 → 27 (+23%) | — | WordPressWebflowMySQL+26 | Top 5M | — | — |
| 10 | Milo Online crypto-backed mortgage lender for consumers | $30M | 51 mo ago | 50 | Josip Rupena CEO / Founder | Node.jsPHPSalesforce+26 | Top 10M | 10 patents High‑sensitivity dual‑parameter ground‑fault detection relays for electric distribution lines | — |
| 11 | OneParkFinancial Small business funding solutions, alternative loans, and working capital provider | $30M | 120 mo ago | 131 | — | StatamicApple iCloud MailMicrosoft 365+29 | Top 1M | — | — |
| 12 | OneBlinc An online lending platform for federal employees 45Customers top 26%Tech top 37%Moat top 39%Funding top 44% All 10 signals ▾Customerstop 26% Techtop 37% Moattop 39% Fundingtop 44% Growthtop 50% Talentbottom 49% Productbottom 48% Marketbottom 40% Globalbottom 37% Newsbottom 22% Customers: App rating 4.1★ (1,949 reviews) · Review volume +262% in 6 mo Tech: 28 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 45/100 | $28M | 17 mo ago | 81 | Fabio Torelli CEO & Co-Founder | SentryZendeskNode.js+23 | Top 5M | — | — |
| 13 | Kapitale Provider of funding solutions for small businesses with flexible repayment 35Funding top 44%Talent bottom 45%Global bottom 25% All 3 signals ▾Fundingtop 44% Talentbottom 45% Globalbottom 25% Funding: Raised $25.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Talent: 1 named leader on record rank vs industry peers · Fliar Intelligence Index 35/100 | $25M | 7 mo ago | — | Matheus Freire Founder & CEO | — | — | — | — |
| 14 | CircleBack Lending Online lending platform for consumer loans. | $22M | 131 mo ago | 20 | Todd Walters Co-Founder | — | — | — | — |
| 15 | KEO World Online lending platform for consumer and business loans | $20M | 48 mo ago | 112 | Paolo Fidanza CEO & Founder | WixSentryBootstrap+20 | Top 50M | — | — |
| 16 | Relief Online debt settlement platform for consumers 42Growth top 28%Moat top 37%Funding top 41%Customers top 45% All 12 signals ▾Growthtop 28% Moattop 37% Fundingtop 41% Customerstop 45% Innovationtop 46% Techtop 50% Talentbottom 49% Patentsbottom 48% Productbottom 48% Globalbottom 36% Newsbottom 35% Marketbottom 22% Growth: Web rank 10,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo Moat: Editorial + unicorn rating 7/10 · IP moat: 10 patents rank vs industry peers · Fliar Intelligence Index 42/100 | $17M | 12 mo ago | 12 | Jason Saltzman Co-Founder & CEO | WebflowGSAPTikTok Pixel+21 | Top 5M | 10 patents Patents concentrated in mechanical & energy engineering | — |
| 17 | Aidaly Online marketplace for earned wages | $11M | 47 mo ago | 6 | — | WebflowEmotionPreact+18 | Top 5M | — | — |
| 18 | Weemba Social media platform for lending | $8M | 177 mo ago | 11 | — | — | — | — | — |
| 19 | Capstack Technologies Bank-to-bank marketplace and communication platform | $6M | 27 mo ago | — | Michal Cieplinski Founder & CEO | — | — | — | — |
| 20 | OppZo Provider of loan and financial services | $5M | 47 mo ago | 10 | Warren Reed Co-Founder | — | — | — | — |
| 21 | KDM Financial Online platform for commercial mortgages | $5M | 18 mo ago | — | James Korth Chief Executive Officer | — | — | — | — |
| 22 | Quash AI Provider of AI platform for credit risk assessment and management 32Talent top 38%Funding top 44%AI top 45%Tech bottom 40% All 6 signals ▾Talenttop 38% Fundingtop 44% AItop 45% Techbottom 40% Globalbottom 36% Marketbottom 30% Talent: 2 named leaders on record · 2 C-suite/founder profiles curated Funding: Raised $3.7M across 2 rounds · 2 rounds over 3 yrs (0.7/yr) rank vs industry peers · Fliar Intelligence Index 32/100 | $4M | 4 mo ago | 50 | Yoel Gavlovski Co-Founder & CEO | WebflowMailjetGoogle Workspace+9 | Top 50M | — | — |
| 23 | Self Bill Pro Platform offering self bills for insurance and employee benefit funds 27Funding bottom 47%Talent bottom 45%Tech bottom 41%Global bottom 25% All 4 signals ▾Fundingbottom 47% Talentbottom 45% Techbottom 41% Globalbottom 25% Funding: Raised $3.7M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) Talent: 1 named leader on record rank vs industry peers · Fliar Intelligence Index 27/100 | $4M | 8 mo ago | — | Josh Winigrad Founder | WebflowCloudflare TurnstileHSTS+7 | Top 50M | — | — |
| 24 | Home Lending Pal Online marketplace for residential mortgages | $4M | 31 mo ago | 30 | — | WordPressMySQLPHP+36 | Top 10M | — | — |
| 25 | Bee Mortgage App Online marketplace for mortgage loans | $3M | 48 mo ago | 20 | Curtis Wood Founder & CEO | — | — | — | — |
| 26 | Equity Lending Solutions Online lending platform offering real estate financing | $2M | 27 mo ago | 12 | Hector Gaspard Co-Founder | — | — | — | — |
| 27 | Haversine Credit broker focused on business loans | $2M | 82 mo ago | — | Stan Vukmer CEO | — | — | — | 1 partnership |
| 28 | Paperstac Developer of an online marketplace for mortgage notes | $1M | 22 mo ago | 6 | — | SentryZendeskTypeScript+24 | Top 5M | — | — |
| 29 | Downpayments Online lending platform offering downpayment financing | $1M | 29 mo ago | — | Godfrey Dinh Founder & CEO | — | — | — | — |
| 30 | Buoy Pay Online lending platform offering working capital loans | $537K | 48 mo ago | 2 | Dan Kleinbaum CEO | — | — | — | — |
| 31 | Creci P2P platform for business loans | $202K | 67 mo ago | 22 | Andres Idarraga Co-Founder & CEO | — | — | — | — |
| 32 | TurnScor Pump manufacturer specializing in energy-efficient solutions and technological innovation | $166K | 183 mo ago | 2 | Chris Jackson Founder | — | — | — | — |
| 33 | Monet App-based platform for payday loans | $125K | 6 mo ago | 32 | — | WordPressMySQLPHP+29 | Top 500k | — | — |
| 34 | Valari API-based point of sale financing solution for businesses | $125K | 51 mo ago | 5 | Alejandro Pozo Founder | — | — | — | — |
| 35 | Embassy Loans Provider of auto title loans | $100K | 186 mo ago | 21 | — | Amazon WebstoreWordPressMySQL+31 | Top 5M | — | — |
Top 12 Alternative Lending companies in Florida
#1
Acquired · Miami, Florida · founded 2006 · 155 employees$469.9Mraised▾
Provider of asset-based, supply chain, and invoice financing solutions. The company delivers working capital through asset-based lending, accounts receivable financing, supply chain finance, factoring, and other specialized financial solutions. It caters to industries like healthcare, staffing, consumer goods, and transportation, offering financing for various scenarios including high growth, restructurings, and mergers and acquisitions. The company aims to provide businesses with flexible access to capital, supported by technology.
- Oct 2025Conventional Debt$388M
- May 2025Unattributed$13.3M
- Apr 2025Unattributed$8.8M
- Mar 2025Unattributed$2M
#2
Funding Raised · Miami, Florida · founded 2024$25Mraised▾
Provider of funding solutions for small businesses with flexible repayment. They offer a streamlined application process with decisions provided quickly. Funding can be used for various business needs, including daily operations, growth initiatives, and unexpected expenses. Financial consultants provide guidance to help businesses find suitable funding options.
- Nov 2025Conventional Debt$25M
#3
Seed · Miami, Florida · founded 2018 · 50 employees$3.7Mraised▾
Provider of AI platform for credit risk assessment and management. The platform offers tools for evaluating creditworthiness using alternative data sources and machine learning models. It facilitates automated decision-making and risk analysis for financial institutions. The platform integrates data and internal rules to identify patterns and trends in credit behaviour. It aims to improve accuracy and efficiency in credit evaluations.
- Feb 2026Seed$2.6M
- Feb 2023Seed$3.7M
#4
Public · Boca Raton, Florida · founded 2018 · 22 employees$42Mraised▾
Provider of real estate financing services
- Apr 2025Post IPO$42M
#5
Series A · Miami, Florida · founded 2020 · 12 employees$17Mraised▾
Online debt settlement platform for consumers. It enables users to eliminate unpaid debts using multiple methods. It provides debt settlement by negotiating with the creditors for reduced interest amounts, customized debt plans, and more. It also enables users to earn rewards on referrals.
- Jun 2025Series A—
- Feb 2022Series A$15M
#6
Seed · Clermont, Florida · founded 2023$3.7Mraised▾
Platform offering self bills for insurance and employee benefit funds. It aims to streamline the self billing process by providing accurate self bills to Hr departements. It allows employers to calculate and pay the own employee benefit premiums based on real time enrollment data.
- Sep 2025Seed$2.6M
- Apr 2024Seed$1M
#7
Series A · Dania Beach, Florida · founded 2018 · 81 employees$28Mraised▾
An online lending platform for federal employees. It is an online marketplace that enables federal employees to apply for loans through multiple banks. To apply for loans the federal employees need to create a profile on the platform and connect to banks.
- Dec 2024Series A$8.4M
- Aug 2023Conventional Debt$100M
- Jun 2022Series A$20M
- Angel$8M
#8
Series A · Miami, Florida · founded 2020 · 114 employees$128.2Mraised▾
Provider of an online lending platform for trade financing solutions. It also enables short-term inexpensive working capital financing for businesses. It provides a paperless process and dedicated support from industry experts to create a seamless financing solution.
- Feb 2024Series A$12M
- Feb 2023Seed$8.2M
- Feb 2023Conventional Debt$200M
- Jul 2021Seed$82M
#9
Series A · Weston, Florida · founded 2017 · 125 employees$166.5Mraised▾
Online lending platform for business financing. It offers a platform where businesses can apply for loans like working capital loans, invoice factoring, invoice flexing, BNPL solutions, and more. It also offers solutions for digital wallets, prepaid cards, analytics, and more.
- Dec 2023Conventional Debt$135M
- Dec 2023Series A—
- Sep 2021Conventional Debt—
- Sep 2021Series A$166.5M
#10
Funding Raised · Miami, Florida · founded 2016$4.7Mraised▾
Online platform for commercial mortgages. It is a direct lender offering multiple commercial mortgage loans including multi-family properties, self-storages, warehouses, commercial real estates, industrial properties, mixed-use properties, and more. It also offers a broker registration form to join the broker network and more.
- Dec 2024Conventional Debt$4.7M
#11
Series A · Florida · founded 2020 · 32 employees$125Kraised▾
App-based platform for payday loans. It is a direct lender offering payday loans to users without credit research or interest. The user can register using a mobile phone and create an account instantly. The credit limit is determined once the salary bank account is linked to the profile. Users can apply for the loans and once approved the funds are transferred to the registered bank account and are deducted on paydays. The application is available on Android and iOS platforms.
- Dec 2025Conventional Debt—
- Dec 2025Series A$24M
- Sep 2021Seed$125K
#12
Acqui-Hired · Boca Raton, Florida · founded 1993 · 70 employees$576.2Mraised▾
Credit scoring and assessment solutions for businesses. It provides AI-enabled B2B analytics and cloud-based workflow solutions that enable companies to understand their customers, suppliers, and business partners. It provides credit reports, customer monitoring, and insights on what customers and prospects buy & method of payments.
- Sep 2018Series D$10M
- Apr 2016Series D$3.5M
- Nov 2011Series D$2.9M
- Mar 2011Series D$49.8M
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