Best Alternative Lending Companies in Los Angeles, United States
The 87 best Alternative Lending companies in Los Angeles, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: LendingUSA.
Ranked: Best Alternative Lending companies in Los Angeles
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | LendingUSA Online marketplace for point-of-sale financing | $562M | 63 mo ago | 38 38 → 63 (+66%) | 2015 | Camilo Concha CEO | WordPressApple iCloud MailUnbounce+39 | — | — |
| 2 | Quid Provider of pre-IPO equity financing solutions | $494M | 53 mo ago | — | 2018 | Samit Varma Founder & Managing Director | Apple iCloud MailGoogle WorkspacePHP+19 | 34 patents Graph-based NLP extracting and visualizing entity relationships from large document corpora | — |
| 3 | Pipe 🦄 Online revenue-based financing marketplace for SaaS businesses 76Funding top 16%Moat top 19%Innovation top 32%Talent top 33% All 10 signals ▾Fundingtop 16% Moattop 19% Innovationtop 32% Talenttop 33% Techtop 34% Growthtop 35% Producttop 36% Newstop 41% Globaltop 45% Markettop 47% Funding: Raised $316M across 7 rounds · 7 rounds over 6 yrs (1.2/yr) Moat: Editorial + unicorn rating 9/10 · Unicorn rank vs industry peers · Fliar Intelligence Index 76/100 | $316M | 5 mo ago | 70 | 2019 | Josh Mangel Co-Founder | StoryblokApple iCloud MailGoogle Workspace+28 | — | — |
| 4 | Spotter 🦄 Provider of an online lending platform for content creators | $255M | 28 mo ago | 46 | 2019 | Aaron De Bevoise Founder & CEO | — | 2 patents AI-driven generation and branching of video elements for interactive video synthesis | 1 partnership |
| 5 | Sunbit 🦄 Online platform for point of sale financing | $159M | 19 mo ago | 128 | 2016 | Arad Levertov CEO (Co-Founder) | WordPressMySQLPHP+38 | 2 patents Integrating microloan financing directly into debit-card payment transactions | 1 partnership |
| 6 | Scratchpay Payment solution provider for veterinary care | $108M | 45 mo ago | 150 | 2016 | John Keatley Co-Founder & CEO | SkolengoSentryMariaDB+28 | — | — |
| 7 | ProducePay Provider of financial and supply chain solutions for the produce industry | $104M | 28 mo ago | 256 | 2014 | Benjamin Dusastre Co-Founder & CFO | WordPressApple iCloud MailGoogle Workspace+30 | — | — |
| 8 | Dakota Financial Provider of funding solutions for businesses with challenged credit profiles 45Growth top 28%Funding top 33%Tech bottom 49%Market bottom 33% All 5 signals ▾Growthtop 28% Fundingtop 33% Techbottom 49% Marketbottom 33% Globalbottom 29% Growth: Web rank 10,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo Funding: Raised $77.0M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) rank vs industry peers · Fliar Intelligence Index 45/100 | $77M | 2 mo ago | 40 | 2002 | — | WordPressMySQLPHP+22 | — | — |
| 9 | Credit Key Developer of an online marketplace for point-of-sale financing 57Tech top 23%Funding top 27%Moat top 31%Innovation top 33% All 11 signals ▾Techtop 23% Fundingtop 27% Moattop 31% Innovationtop 33% Growthtop 35% Producttop 36% Newstop 42% Talentbottom 49% Marketbottom 38% Globalbottom 36% Customersbottom 1% Tech: 53 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $52.9M across 5 rounds · 5 rounds over 8 yrs (0.6/yr) rank vs industry peers · Fliar Intelligence Index 57/100 | $53M | 5 mo ago | 58 | 2015 | John Tomich CEO and Co-Founder | Webflow EcommerceWebflowApple iCloud Mail+38 | — | — |
| 10 | Realty Mogul Developer of online real estate equity and debt-based crowdfunding platform | $50M | 84 mo ago | 15 | 2012 | — | BrightspotApple iCloud MailMicrosoft 365+22 | — | — |
| 11 | ZestCash Connects borrowers with lenders for payday, installment, and personal loans | $42M | 173 mo ago | 38 | 2009 | Douglas Merrill CEO | PHPLaravelNginx+5 | — | — |
| 12 | The Fundworks Small business financing provider | $41M | 13 mo ago | 55 | 2015 | — | WordPressZohoMySQL+26 | — | — |
| 13 | Bespoke Financial Provider of a business loans platform for the cannabis industry | $28M | 54 mo ago | 19 | 2018 | — | — | — | — |
| 14 | Prism Provider of an online marketplace offering startup equity-backed loans to employees, founders, and investors | $26M | 38 mo ago | 8 | 2016 | Ryan Breslow Co-Founder | PrismicNode.jsTailwind CSS+16 | 25 patents Patents concentrated in computing, sensing & instrumentation | — |
| 15 | Patch of Land P2P real estate crowdfunding platform. | $25M | 134 mo ago | 26 | 2013 | — | — | — | — |
| 16 | Altro Provider of a fintech platform credit repair solutions | $25M | 27 mo ago | 61 | 2019 | Ayush Jain Founder | — | — | — |
| 17 | iBorrow Provider of a commercial real estate financing platform | $22M | 64 mo ago | 17 17 → 15 (-12%) | 2002 | Harlan Peltz Founder | — | — | — |
| 18 | AssetAvenue Online gaming platform offering poker and slot games with trusted services | $22M | 134 mo ago | 40 | 2013 | — | — | — | — |
| 19 | Arcade Provider of online financialization solutions for NFTs | $18M | 54 mo ago | — | 2021 | Robert Masiello Co-Founder | — | 5 patents Patents concentrated in computing, sensing & instrumentation | — |
| 20 | Currency Online financing & payment processing soutions provider | $16M | 112 mo ago | 126 126 → 102 (-19%) | 2001 | — | WordPressMySQLPHP+19 | — | — |
| 21 | Hatch Credit App-based platform for credit score building | $15M | 75 mo ago | 66 | 2019 | Ayush Jain Co-Founder & CTO | — | — | — |
| 22 | SoLo Provider of P2P marketplace platform for personal loans | $13M | 39 mo ago | 23 | 2018 | Travis Holoway Chief Executive Officer | WordPressMySQLPHP+39 | — | — |
| 23 | XS Financial Provider of equipment leasing solutions for cannabis and hemp industries | $8M | 55 mo ago | 13 | 2017 | David Kivitz CEO | — | 16 patents ATM transaction processing systems and unified life insurance product platforms | — |
| 24 | Crediverso Online loan comparison platform for personal loans and credit cards | $7M | 32 mo ago | 14 | 2019 | Charlie Hernandez Founder & CEO | — | — | — |
| 25 | LK Secured Provider of private lending and investment services for real estate | $5M | 58 mo ago | — | 2020 | Barry Levenson CEO | — | — | — |
| 26 | Otto Online platform for point of sale financing | $4M | 31 mo ago | 2 | 2020 | — | — | 14 patents Residential smart door lock hardware and secure container solutions | — |
| 27 | Bump by Ownors Provider of banking and financial tools for content creators | $4M | 26 mo ago | 8 | 2021 | James Jones Co-Founder & CEO | — | — | — |
| 28 | CreditPing Lead generation platform for consumer loans | $580K | 201 mo ago | — | 2009 | Adam Weiss Founder | — | — | — |
| 29 | NyxCarbon Online lending platform offering sustainable financing | $150K | 41 mo ago | — | 2023 | Brittany Salas Founder | — | — | — |
| 30 | Flowbo Online loan platform for content creators | $125K | 48 mo ago | 5 | 2021 | — | — | — | — |
Top 12 Alternative Lending companies in Los Angeles
#1
Pipe 🦄Series C · Los Angeles, California · founded 2019 · 70 employees$316Mraised▾
Online revenue-based financing marketplace for SaaS businesses. It offers a solution that connects businesses with investors for revenue-based financing. Businesses can integrate the accounting and ERP systems to the platform using APIs. The loan amount is based on the business data obtained from the system. It features integrations with existing payment tools and automated monthly statements.
- Jan 2026Series C$16M
- Jun 2024Venture Debt$100M
- Sep 2022Conventional Debt$7.1M
- Aug 2021Series C—
#2
Funding Raised · Los Angeles, California · founded 2002 · 40 employees$77Mraised▾
Provider of funding solutions for businesses with challenged credit profiles. It delivers funding programs designed for customers with prior bankruptcies, tax liens, judgments, repossessions, or slow payments. Financing is based on collateral, and it offers approvals, leases, and equipment financing agreements. The company provides documentation and aims to work through business challenges.
- Apr 2026Conventional Debt$20M
- May 2024Conventional Debt$27M
- Sep 2021Conventional Debt$30M
- May 2021PE—
#3
Series B · Los Angeles, California · founded 2015 · 58 employees$52.9Mraised▾
Developer of an online marketplace for point-of-sale financing. It enables customers to make installment payments for a product at partnered stores. It also provides solutions to merchants for accepting installment payments.
- Jan 2026Conventional Debt$90M
- Oct 2022Series B$15M
- Oct 2022Conventional Debt$100M
- Nov 2020Series B$33.9M
#4
Sunbit 🦄Series D · Los Angeles, California · founded 2016 · 128 employees$158.6Mraised▾
Online platform for point of sale financing. It enables retailers to split a shopper's purchase into smaller payments. Customers get the option to choose from multiple repayment plans. It provides a tablet and a scanner for retailers/sales associates and provides training to store associates on its usage. Customers can keep track of the payments through the application.
- Nov 2024Conventional Debt$355M
- Jan 2024Conventional Debt$310M
- Dec 2022Conventional Debt$250M
- Jun 2021Series D$87.8M
#5
Funding Raised · Los Angeles, California · founded 2015 · 55 employees$40.7Mraised▾
The Fundworks is an alternative financier providing loans from $5K to 250K to small businesses across the US. There is no requirement of collateral and perfect credit, and financing is provided to most industries. The preliminary approval takes less than 24-hours, and funding happens within 48-hours, for qualified businesses. The focus industries include restaurants, bars, retail establishments, healthcare service providers, home services, professional and business services, manufacturers, and wholesalers and distributors.
- May 2025Conventional Debt$10M
- May 2022Conventional Debt$30M
- Jul 2021Conventional Debt—
- Apr 2020Conventional Debt$722.5K
#6
Spotter 🦄Series D · Los Angeles, California · founded 2019 · 46 employees$255Mraised▾
Provider of financial liquidity services intended for prosumer content creators. The company's services offer up-front cash to individuals who focus on specific sub-topic categories to expand their content channel and remain independent, enabling content creators to get the funds necessary to invest in their business.
#7
Series D · Los Angeles, California · founded 2014 · 256 employees$104.5Mraised▾
Provider of financial and supply chain solutions for the produce industry. It offers capital, strategic sourcing, and end-to-end visibility. The company provides working capital to scale operations. It also facilitates connections between buyers and sellers. The platform enables real-time data access for informed decision making.
- Feb 2024Series D$38M
- May 2021Series C$43M
- Dec 2019Conventional Debt$190M
- Oct 2018Series B$14M
#8
Funding Raised · Los Angeles, California · founded 2015 · 38 employees$561.8Mraised▾
LendingUSA is an online marketplace for point-of-sale financing. It enables merchants to accept installment payments for customers via credit/debit cards. It provides financing to tax departments, funerals, pet providers, and more. It provides software for sales & transaction management.
- Mar 2021Conventional Debt$250K
- Sep 2020Conventional Debt$200M
- Apr 2020Conventional Debt$1.6M
- Oct 2019Conventional Debt$250M
#9
Series D · Los Angeles, California · founded 2018$494.1Mraised▾
Provider of pre-IPO equity financing solutions. It offers financing to shareholders of pre-IPO companies, allowing them to access the value of their shares without selling them. This financing can be used to exercise stock options or provide liquidity. The company provides funds, allowing shareholders to retain ownership while repaying the loan later. Financing is collateralized by the shares themselves, and repayment terms vary depending on factors such as liquidity events and the value of the underlying stock. Early repayment is possible without penalties. The company is not a bank or broker, but rather positions itself as a financial partner to shareholders.
- Jan 2022Series D$74.1M
- Nov 2020Series D$320M
#10
Series A · Los Angeles, California · founded 2019 · 61 employees$24.6Mraised▾
Provider of a fintech platform credit repair solutions. It provides users with a platform that allows users to build credit by converting their subscription payments into credit history. The company provides an online platform for individuals to manage their financial literacy and credit scores.
- Mar 2024Series A$4M
- May 2022Series A$18M
- Jan 2021Seed—
- Dec 2020Seed$2.5M
#11
Series C · Los Angeles, California · founded 2016 · 150 employees$108.1Mraised▾
ScratchPay is a payment solution provider for veterinary care. The app helps in partnering with veterinary clinics to provide payment plans for pet owners. The users need to provide their basic details to get a rate and select their payment plan. Once registered in the app, users can get their pets treated at any partner clinic and pay back the amount interest-free within 30 days or in monthly installments over 12 -24 months. Interest rates vary depending on the user as the platform has a merit-based rating system.
- Sep 2022Series C$35M
- Oct 2019Conventional Debt—
- Oct 2019Series B$65M
- Jun 2018Series A$6.4M
#12
Series A · Los Angeles, California · founded 2016 · 8 employees$26Mraised▾
Provider of an online marketplace offering startup equity-backed loans to employees, founders, and investors. It provides users with a lending platform which acts as a marketplace and offers funds secured against employee stock options. It also provides resources management and liquidity solutions.
- Apr 2023Series A—
- 2017Seed$120K
- Seed—
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
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