Best Alternative Lending Companies in Georgia, United States
The 82 best Alternative Lending companies in Georgia, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: GreenSky.
Ranked: Best Alternative Lending companies in Georgia
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | GreenSky Lending as a service platform for consumer financing | $610M | 101 mo ago | 1,267 1,267 → 1,075 (-15%) | Tim Kaliban CEO | WordPressMySQLPHP+20 | 3 patents Digital platforms for automated closed‑end consumer loan origination | — |
| 2 | LendingPoint Personal loans provider offering financial solutions with proprietary technology and AI 50Funding top 18%Tech top 30%Talent top 33%Moat top 35% All 12 signals ▾Fundingtop 18% Techtop 30% Talenttop 33% Moattop 35% Producttop 44% Customerstop 44% Growthbottom 48% Innovationbottom 41% Marketbottom 39% Globalbottom 36% Patentsbottom 27% Newsbottom 24% Funding: Raised $325M across 13 rounds · 13 rounds over 11 yrs (1.2/yr) Tech: 47 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon S3 rank vs industry peers · Fliar Intelligence Index 50/100 | $325M | 7 mo ago | — | Victor J Pacheco Co-Founder & CIO | WordPressApple iCloud MailMicrosoft 365+22 | 2 patents AI-driven fraud detection and prevention for financial institution account transactions | — |
| 3 | Kabbage 🦄 Online lending platform for business loans | $321M | 83 mo ago | 2 | Marc Gorlin Co-Founder | — | 38 patents Automated financing, risk assessment, and transaction verification for online marketplaces and auctions | — |
| 4 | Atlanticus Holdings Provider of credit cards for individuals and businesses | $290M | 90 mo ago | 689 689 → 702 (+2%) | Jeff Howard President & CEO | BugHerdQ4Highcharts+18 | — | — |
| 5 | Title Max TitleMax: Fast cash solutions with title loans, pawns, and personal loans | $250M | 192 mo ago | 2,448 | Tracy Young CEO | Apple iCloud MailMicrosoft 365Windows Server+21 | — | — |
| 6 | Mercury Financial Online marketplace for personal loans & credit cards for individuals | $200M | 34 mo ago | 228 | — | WordPressApple iCloud MailMicrosoft 365+23 | 5 patents Credit partner onboarding platforms and predictive financial health analytics software | — |
| 7 | Purchasing Power E-commerce company that allows customers to finance purchases through payroll deduction. | $120M | 47 mo ago | 243 243 → 467 (+92%) | — | SAP Commerce CloudTypeScriptJava+41 | — | — |
| 8 | PrimeRevenue Provider of supply chain finance solutions optimizing cash flow for buyers and suppliers | $104M | 134 mo ago | 182 | Robert Barnes Co-Founder | WordPressApple iCloud MailMySQL+32 | 26 patents Digital platforms for supply chain financing and B2B payment orchestration | 1 job opening |
| 9 | MAX Exchange Online platform to buy and sell mortgage loans | $72M | 35 mo ago | 94 | Thomas Pearce Co-Founder / Chairman & CEO | WordPressMySQLMariaDB+36 | — | 1 launch |
| 10 | TMX Finance Family of Companies Provider of financial services to diverse communities | $60M | 179 mo ago | 1,460 | Tracy Young CEO | WordPressPleskMySQL+19 | — | — |
| 11 | Momnt AI-based lending software for point-of-sale financing | $53M | 12 mo ago | 170 | Lena Mcdearmid Co-Founder | WebflowApple iCloud MailGoogle Workspace+18 | — | — |
| 12 | FactorTrust Provider of consumer data, analytics and risk scoring solutions on those underserved by traditional banking… | $44M | 127 mo ago | 104 | — | — | 4 patents Financial transaction processing platforms for risk assessment and compliance automation | — |
| 13 | CreditShop Online unsecured personal loans | $35M | 128 mo ago | 312 | — | — | — | — |
| 14 | IOU Financial Working capital loan provider to small businesses. | $25M | 67 mo ago | 103 | Robert Gloer Chief Executive Officer | WordPressMySQLPHP+25 | — | — |
| 15 | Carputty Online platform offering automobile loans for consumers | $25M | 27 mo ago | 40 | Patrick Bayliss Co-Founder | Amazon WebstoreWebflowGoogle Maps+27 | — | — |
| 16 | Doc2Doc Lending Provider of a platform for lending money to healthcare professionals | $25M | 45 mo ago | 16 | — | WordPressMySQLPHP+40 | — | — |
| 17 | Chowder Online platform for point of sale financing | $25M | 51 mo ago | 9 | Daniel Collier Co-Founder and CEO | WordPress Block EditorDiviWordPress+22 | — | 1 partnership |
| 18 | Ftrans Platform for working capital financing products | $19M | 118 mo ago | 1 | — | — | 4 patents Automated digital trade credit processing and facilitation platforms | — |
| 19 | FilmHedge Online marketplace offering business loans for filmmakers | $12M | 43 mo ago | 8 | — | AlgoliaNode.jsBubble+12 | — | — |
| 20 | NOW Corp Online platform for invoice financing | $12M | 56 mo ago | 43 | John Hayes Co-Founder | WordPressMySQLPHP+26 | — | — |
| 21 | VIVA Finance Online platform for salary-linked loans | $8M | 57 mo ago | 24 24 → 55 (+129%) | Jack Markwalter Co-Founder & CEO | WixSentryBootstrap+14 | — | 2 partnerships |
| 22 | L2C Consumer credit scoring and analytics company. | $8M | 170 mo ago | 28 | Mike Mondelli CEO | — | — | — |
| 23 | Funding U Provider of fixed-interest, no-cosigner student loans for undergraduate students | $4M | 67 mo ago | 20 | Jeannie Tarkenton Founder & CEO | WordPressSentryMySQL+25 | 16 patents Automated brewing and beverage processing systems with advanced control, aging, and UI integration. | — |
| 24 | FormFree Developer of automated asset verification solutions for banks and financial institutions | $3M | 40 mo ago | 22 | — | WordPressMySQLMariaDB+25 | 11 patents Automated credit risk assessment and financial transaction classification using data analytics | — |
| 25 | Qoins Online platform for debt repayment | $2M | 65 mo ago | 8 | Nate Washington Co-Founder | — | — | — |
| 26 | Skyscend Developer of a cloud-based platform for supply chain finance automation | $2M | 52 mo ago | 27 | Chayapathy Gangadarappa Co-Founder & CEO | — | 2 patents Automated security and validation of digital assets within computing environments | — |
| 27 | Patriot Finance Online referral service connecting borrowers with lenders for payday loans | $1M | 105 mo ago | — | Chris B CEO | — | — | — |
| 28 | eCredable Offers credit reports based on utility bill payments | $700K | 122 mo ago | 4 | — | WebflowDNNMicrosoft ASP.NET+19 | — | — |
| 29 | Stackfolio Platform offering bank's asset management solutions | $545K | 106 mo ago | 3 | — | — | — | — |
Top 12 Alternative Lending companies in Georgia
#1
Series B · Atlanta, Georgia · founded 2014$325Mraised▾
Personal loans provider offering financial solutions with proprietary technology and AI. The company provides unsecured personal loans to consumers, leveraging advanced algorithms and data models to offer access to credit. They aim to create frictionless access to money, offering personalized solutions to meet unique financial needs. The company uses technology to paint a more complete picture of applicants, unlocking loan solutions. They offer various types of loans, including debt consolidation, home improvement, emergency, medical, online, and vacation loans. The company is committed to driving a better lending and borrowing experience by finding more reasons to say "yes." They also offer a mobile app for managing finances and monitoring credit scores. The company uses AI and data models to evaluate credit worthiness and provide access to fair credit. They are expanding their business through e-commerce platform integrations and commercial finance product development, introducing "qualify today, buy anywhere" technology. The website offers options to apply, login, check rates, and access a knowledge center.
- Nov 2025Series B—
- Mar 2021Conventional Debt—
- Jan 2021Series B$125M
- Dec 2020Conventional Debt$350M
#2
Series C · Atlanta, Georgia · founded 2019 · 170 employees$52.5Mraised▾
AI-based lending software for point-of-sale financing. It enables lenders and merchants to provide Point-of-Sale financing to customers. It features automated lending, artificial intelligence, machine learning for determining the creditworthiness of the clients, and more.
- May 2025Series C$5.2M
- Jul 2023Series C$34.5M
- Sep 2022Series B$9.5M
- Jun 2021Series A$7M
#3
Acquired · Columbus, Georgia · founded 2013 · 228 employees$200Mraised▾
Online marketplace for personal loans & credit cards for individuals. It offers loans on the basis of credit scores, financial statements, loan terms, and more. Users can avail loans by making payments via credit cards.
- Jul 2023Conventional Debt$200M
#4
Series D · Atlanta, Georgia · founded 2009 · 94 employees$72.1Mraised▾
Online platform to buy and sell mortgage loans. The platform enables pricing, selling, sourcing, buying, reviewing, and settling mortgage loans. Its features include access to qualified counterparties, anonymous trading, flexible transaction types, bids and offers, standardized products, centralized approval and monitoring, dispute resolution, and independent loan reviews.
- Jun 2023Series D—
- Jun 2021Series C—
- May 2019Series B$16M
- Sep 2018Series B$38M
#5
Series A · Atlanta, Georgia · founded 2020 · 40 employees$25Mraised▾
Online platform offering automobile loans for consumers. It offers lines of credit that enable users to finance and refinance vehicles. The user can apply for the loan and once approved, the loan amount can be used to purchase multiple cars within the limit. It also provides a valuation tool for evaluating the depreciation of the vehicles.
- Mar 2024Series A$5M
- Mar 2024Conventional Debt$75M
- Dec 2022Series A$12.8M
- Aug 2021Seed$7.2M
#6
Acquired · Atlanta, Georgia · founded 2006 · 1267 employees$610Mraised▾
Lending as a service platform for consumer financing. It offers solutions for businesses to manage loans, applications, and documents. It offers a platform where users can apply for loans and lenders can review and fund the applications. It also facilitates various payment options including debit cards, wallets, and bank transfers. Its app is available for Android users.
- Dec 2017Series C$200M
- Sep 2016Series B$50M
- Jun 2015Series B$10M
- May 2014Series B$350M
#7
Kabbage 🦄Acquired · Atlanta, Georgia · founded 2009 · 2 employees$321.4Mraised▾
Kabbage provides an online lending platform for business loans. It offers loans such as invoice financing, working capital loans, lines of credit, and more. It offers business services such as checking accounts, debit cards for online/offline purchases, an app-based platform for loans, and more. The app is available on both IOS & Android devices.
- Jul 2019Conventional Debt$200M
- Apr 2019Conventional Debt$700M
- Nov 2017Conventional Debt$200M
- Sep 2017Series F$80.6M
#8
Acquired · Atlanta, Georgia · founded 2001 · 243 employees$120Mraised▾
Purchasing Power is a e-commerce business that provides employers a unique benefit to offer their employees: the opportunity to leverage their paychecks to buy big ticket consumer goods regardless of credit score.Employees can shop thousands of brand name products, vacation packages and educational services. Payments are automatically deducted over time from your paycheck. No credit checks are done. It secured $127M credit facility from Rockbridge Equity and Falcon Investments in 2011.
- Jul 2022Conventional Debt$120M
- Jan 2016Venture Debt—
#9
Public · Atlanta, Georgia · founded 1996 · 689 employees$290Mraised▾
Provider of credit cards for individuals and businesses. It provides users with general-purpose credit cards for consumers, retail credit cards for point-of-sale financing, and more. It also offers solutions for financing healthcare payments.
- Nov 2018Conventional Debt$100M
- Jun 2018Conventional Debt$100M
- Conventional Debt$90M
#10
Funding Raised · Savannah, Georgia · founded 1998 · 2448 employees$250Mraised▾
TitleMax: Fast cash solutions with title loans, pawns, and personal loans. They provide financial assistance through various loan options, including car title loans, car title pawns, motorcycle title loans/pawns, and personal loans. They focus on helping individuals access cash quickly, even with less-than-perfect credit. They offer a customer portal for easy account management, payments, and balance checks. Their services aim to provide flexible financial solutions with competitive rates and convenient access through numerous locations. They support community initiatives, demonstrating a commitment to social responsibility. Their offerings include secured and unsecured loans, catering to diverse financial needs. They provide options for individuals seeking short-term financial assistance. They offer refinancing options and welcome various credit types. They focus on customer service and convenience.
- Jun 2010Conventional Debt$250M
#11
Funding Raised · Atlanta, Georgia · founded 2018 · 16 employees$25Mraised▾
Provider of a platform for lending money to healthcare professionals. It offers provides personal loans to doctors. Allows traditional lenders to overestimate the risk of lending money to physicians.
- Sep 2022Conventional Debt$25M
- Feb 2021Conventional Debt—
#12
Series C · Atlanta, Georgia · founded 2003 · 182 employees$103.6Mraised▾
Provider of supply chain finance solutions optimizing cash flow for buyers and suppliers. It offers various services including dynamic discounting, receivables finance, and payments as a service. These solutions enable buyers to extend payment terms while providing suppliers with the option of early payment. The platform integrates with existing ERP systems, streamlining processes and improving efficiency. The company also facilitates partnerships between buyers, suppliers, and financial institutions to manage working capital and reduce supply chain risk. It provides a fully digitized solution with multilingual customer support.
- Apr 2015Series C$80M
- Oct 2010Series B$1.6M
- Apr 2009Venture Debt$3M
- Sep 2005Series B$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
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.