Best Alternative Lending Companies in Miami, United States
The 58 best Alternative Lending companies in Miami, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: eCapital.
Ranked: Best Alternative Lending companies in Miami
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 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 | 9 mo ago | Acquired | Marius Silvasan Co-CEO | 2006 | WordPressApple iCloud MailMicrosoft 365+26 | — | — |
| 2 | Marco Provider of an online lending platform for trade financing solutions | $128M | 28 mo ago | Series A | Jacob Shoihet CEO & Co-Founder | 2020 | — | — | — |
| 3 | Everest Business Funding Provider of revenue-based financing for businesses | $70M | 135 mo ago | Funding Raised | Scott Crockett CEO | 2013 | WordPress Block EditorElementorWordPress+33 | — | — |
| 4 | Milo Online crypto-backed mortgage lender for consumers | $30M | 52 mo ago | Series A | Josip Rupena CEO / Founder | 2018 | Node.jsPHPSalesforce+26 | 10 patents High‑sensitivity dual‑parameter ground‑fault detection relays for electric distribution lines | — |
| 5 | 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 | 8 mo ago | Funding Raised | Matheus Freire Founder & CEO | 2024 | — | — | — |
| 6 | KEO World Online lending platform for consumer and business loans | $20M | 48 mo ago | Series B | Paolo Fidanza CEO & Founder | 2020 | WixSentryBootstrap+20 | — | — |
| 7 | 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 | Series A | Jason Saltzman Co-Founder & CEO | 2020 | WebflowGSAPTikTok Pixel+21 | 10 patents Patents concentrated in mechanical & energy engineering | — |
| 8 | Aidaly Online marketplace for earned wages | $11M | 48 mo ago | Seed | — | 2021 | WebflowEmotionPreact+18 | — | — |
| 9 | Capstack Technologies Bank-to-bank marketplace and communication platform | $6M | 28 mo ago | Seed | Michal Cieplinski Founder & CEO | 2020 | — | — | — |
| 10 | OppZo Provider of loan and financial services | $5M | 48 mo ago | Series A | Warren Reed Co-Founder | 2020 | — | — | — |
| 11 | KDM Financial Online platform for commercial mortgages | $5M | 18 mo ago | Funding Raised | James Korth Chief Executive Officer | 2016 | — | — | — |
| 12 | 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 | Seed | Yoel Gavlovski Co-Founder & CEO | 2018 | WebflowMailjetGoogle Workspace+9 | — | — |
| 13 | Home Lending Pal Online marketplace for residential mortgages | $4M | 31 mo ago | Series A | — | 2018 | WordPressMySQLPHP+36 | — | — |
| 14 | Equity Lending Solutions Online lending platform offering real estate financing | $2M | 28 mo ago | Funding Raised | Hector Gaspard Co-Founder | 2019 | — | — | — |
| 15 | Downpayments Online lending platform offering downpayment financing | $1M | 30 mo ago | Seed | Godfrey Dinh Founder & CEO | 2023 | — | — | — |
| 16 | Valari API-based point of sale financing solution for businesses | $125K | 51 mo ago | Seed | Alejandro Pozo Founder | 2021 | — | — | — |
Top 12 Alternative Lending companies in Miami
#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
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
#5
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
#6
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
#7
Seed · Miami, Florida · founded 2020$6Mraised▾
Bank-to-bank marketplace and communication platform. It offers a bank-to-bank marketplace that enables banks to manage banking through digital innovation. It offers a community-based platform to facilitate communication, asset sharing, and capital diversification. It also offers solutions for growth strategy management.
- Mar 2024Seed—
- Jul 2023Seed$6M
#8
Series A · Miami, Florida · founded 2018 · 50 employees$30.1Mraised▾
Online crypto-backed mortgage lender for consumers. It's a direct lender and offers loans for home or mortgage purchases and refinancing completely online through its platform. The platform also features a loan calculator for interest and EMI amounts.
- Mar 2022Series A$17M
- Jan 2021Seed$6M
- Apr 2020Conventional Debt—
- Apr 2020Seed$7.1M
#9
Series A · Miami, Florida · founded 2018 · 30 employees$3.5Mraised▾
Online marketplace for residential mortgages. It features an AI-enabled advisor for providing loans from lenders based on the requirements and budget. Loans are provided on the basis of credit risk assessments.
- Nov 2023Series A—
- 2023Series A$100K
- Apr 2022Series A—
- Jun 2021Seed$2.2M
#10
Series B · Miami, Florida · founded 2020 · 112 employees$20Mraised▾
Online lending platform for consumer and business loans. It uses AI and machine learning technology for open banking transactional data management and offers financing solutions to its customers. It provides alternative financing to businesses and consumers through direct deposits, prepaid, and credit cards.
- Jun 2022Series B$20M
- Feb 2022Conventional Debt—
#11
Funding Raised · Miami, Florida · founded 2019 · 12 employees$2Mraised▾
Online lending platform offering real estate financing. it offers a platform that enables real estate investors to apply and get funded for fix and flip loans, bridge loans, and commercial loans. It also offers loans for purchasing, refinancing, and cash-out financing.
- Mar 2024Conventional Debt$2M
#12
Seed · Miami, Florida · founded 2021 · 4 employees$20Kraised▾
Provider of earned wage access solutions for financial institutions. It enables account holders to access earned wages before payday through their banking application. The solution integrates into existing mobile and online banking platforms, offering features such as direct deposit switching and real-time wage access. It serves both retail and commercial clients, providing tools to incentivize direct deposits, retain customers, and generate revenue.
- Jun 2025Seed$2M
- 2022Seed$20K
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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