Best Alternative Lending Companies in New Jersey, United States
The 55 best Alternative Lending companies in New Jersey, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: BlockFi.
Ranked: Best Alternative Lending companies in New Jersey
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BlockFi 🦄 Online platform for trading, crypto-backed loans, interest accounts, and wallets | $470M | 48 mo ago | Acquired | Flori Marquez Co-Founder and Chief Operating Officer | 2017 | — | — | — |
| 2 | FinTap Online platform for business loans | $86M | 8 mo ago | Funding Raised | — | 2014 | WordPressMySQLPHP+26 | — | — |
| 3 | iCreditWorks Online marketplace for dental loans | $60M | 15 mo ago | Series A | Stephen Sweeney Founder | 2020 | Apple iCloud MailMicrosoft 365TypeScript+15 | 13 patents Fintech platforms for loan reconciliation, merchant onboarding, and AI-driven credit graph analytics | — |
| 4 | CFGMS Revenue-based financing solutions for small to medium-sized U.S. businesses | $50M | 28 mo ago | Funding Raised | Andrew Coon Chief Executive Officer | 2015 | WordPressMySQLPHP+23 | — | 1 job opening · 2 partnerships · 1 award |
| 5 | Finova Capital Online platform for business loans | $30M | 27 mo ago | Seed | Bob Neagle President and CEO | 2021 | WordPressMySQLPHP+21 | — | 1 partnership |
| 6 | Thrivory Provider of alternative financing solutions designed for independent healthcare practices | $28M | 7 mo ago | Seed | Devon Seitz CEO | 2023 | WordPressMySQLPHP+15 | — | 1 launch |
| 7 | Yalber Provider of an alternative financing platform for businesses | $20M | 100 mo ago | Funding Raised | — | 2007 | — | — | 4 job openings |
| 8 | QuarterSpot Unsecured term loans for small businesses. | $16M | 84 mo ago | Series A | — | 2011 | — | 2 patents Predictive analytics for entity outcome forecasting using transaction taxonomy classification | — |
| 9 | FlexWage Short term capital solutions and payroll card solutions provider | $4M | 143 mo ago | Series A | — | 2009 | WordPressMySQLPHP+18 | — | — |
| 10 | TALLYX Digital currency focused on payment | $3M | 89 mo ago | Seed | Aditya Menon CEO | 2017 | — | 2 patents Token-based routing protocols for computer networks | — |
| 11 | Corridor Platforms Credit decisioning solution for financial and credit institutions | $3M | 73 mo ago | Series A | Manish Gupta Co-Founder & CEO | 2017 | WixSentryBootstrap+13 | — | 1 job opening |
| 12 | Total Bank Solutions IT Outsourcing | $2M | 132 mo ago | Seed | — | 2004 | — | — | — |
Top 12 Alternative Lending companies in New Jersey
#1
Funding Raised · Clifton, New Jersey · founded 2014 · 15 employees$86.5Mraised▾
Online platform for business loans. It offers multiple business loan products including inventory financing, cash flow loans, expansion loans, equipment financing, sales, and marketing loans for the construction industry, dental business, gas stations, restaurants, trucking, and more. The user must add the required personal and business information and apply for the loan, once approved the funds are directly transferred to the registered bank account.
- Oct 2025Conventional Debt$86.5M
#2
Seed · Oradell, New Jersey · founded 2023$28.5Mraised▾
Provider of alternative financing solutions designed for independent healthcare practices. It offers a claim-to-payment platform providing medical practices faster access to earned money. The platform focuses on addressing delayed reimbursements and administrative burdens. It enables practices to maintain financial independence and focus on patient care without debt or risk exposure.
- Nov 2025Conventional Debt$25M
- Nov 2025Seed$3.5M
#3
Series A · Woodbridge Township, New Jersey · founded 2020 · 61 employees$60Mraised▾
Online marketplace for dental loans. It offers a mobile loan process to select the loan option and connect with the lender who will fund the dentist when the treatment begins. It enables patients with point-of-care lending between dental patients and providers.
- Apr 2025Series A$60M
- Jun 2022Seed—
#4
BlockFi 🦄Acquired · Jersey City, New Jersey · founded 2017 · 125 employees$469.6Mraised▾
Online platform for trading, crypto-backed loans, interest accounts, and wallets. The platform tracks all the historical transaction details and assists in tax reporting. It also offers solutions for miners, exchanges, and Crypto ATMs. Its app is available for Android and iOS users.
- Jun 2022Conventional Debt$400M
- Jun 2022Series D—
- Aug 2021ICO$500M
- Mar 2021Series D$350M
#5
Funding Raised · Rutherford, New Jersey · founded 2015 · 83 employees$50Mraised▾
Revenue-based financing solutions for small to medium-sized U.S. businesses. They are a specialty finance and alternative funding provider focused on providing capital access to businesses underserved by traditional financing sources. They offer custom capital programs, using proprietary analytics technology and common sense underwriting to provide fast and efficient access to capital. They cater working capital solutions to meet specific needs and objectives, whether for purchasing inventory or equipment, bridging seasonality, supporting expansion, or investing in marketing and advertising. They are direct funders that value client relationships and seek to provide flexible capital. They offer alternative business funding, working capital resources, and partner programs. They provide revenue-based financing with fast approval and funding, and flexible payment schedules. They are a B2B company.
- Mar 2024Conventional Debt$10M
- Feb 2023Conventional Debt$20M
- May 2018Conventional Debt$20M
#6
Seed · Rochelle Park, New Jersey · founded 2021 · 20 employees$30Mraised▾
Online platform for business loans. It enables businesses to obtain financing options for equipment rental, financing, merchant cash advance loans, working capital loans, and more. It enables merchants to convert an asset into cash for merchant cash advances.
- Apr 2024Conventional Debt$30M
- Mar 2022Seed—
#7
Series A · Wayne, New Jersey · founded 2011 · 24 employees$15.6Mraised▾
Quarterspot is an alternate lending platform for the credit needs of small businesses. The platform offers credit up to $150,000 which has to repaid within a term of 12 months. Most of the platform's loans are unsecured as there is funding without a lien filed on the business and funding without a personal guarantee. There is also no prepayment fee apllied by the Quarterspot.
- Jun 2019Conventional Debt$598.5M
- May 2018Series A$11.1M
- Jul 2014Series A$3.8M
- May 2014Series A—
#8
Funding Raised · Teaneck, New Jersey · founded 2007$20Mraised▾
Provider of an alternative financing platform for businesses. It provides alternative financing options to businesses such as merchant cash advances, business loans and royalty-based investments. In royalty-based investments, the company receives a royalty, or a percentage, of a business's sales until the specified ROI is reached.
- Feb 2018Conventional Debt$20M
#9
Series A · Haworth, New Jersey · founded 2017 · 29 employees$3Mraised▾
Credit decisioning solution for financial and credit institutions. The platform acts as a single system of record for variables, models, and policies and provides an integrated risk decisioning system. It provides real time evaluation and comparison of models and strategies. It periodically tracks the actual results and provides timely validation of performance projections.
- May 2020Series A—
- Dec 2018Series A$3M
#10
Seed · Princeton, New Jersey · founded 2017 · 37 employees$3.1Mraised▾
Digital currency focused on payment. It offers a platform for trade & supply chain finance. The TOP ecosystem consists of three dApps-TOP onboarding, TOP supply chain, and TOP marketplace. TOP Marketplace is a digital trade asset marketplace. The platform is powered via the Toki token which is an asset-backed token. It can be branded/customized for corporates and can be used to integrate with their trading partners.
- Feb 2019Seed$3.1M
#11
Series A · Mountainside, New Jersey · founded 2009 · 18 employees$3.5Mraised▾
Flexwage provides innovative payroll card solutions to individuals and companies. The two main product offerings are Payroll cards and WageBank. It provides employees responsible access to short term money between regularly scheduled paydays. As such, it provides financial access to unbanked and underbanked populations benefiting workers. The difference the firm brings is that it removes the high cost of pay day loans and there is no interest associated with the WageBank product. WageBank interfaces with employers’ HRMS, providing employees access to earned wages in advance of their scheduled paydays thereby eliminating the need for costly predatory loans. Employees can take payment for wages they have earned but have not yet been paid and load the payments directly onto their payroll cards within seconds. Through its policy engine, employers manage velocity and disbursement value settings for WageBank access.
- Aug 2014Series A$3.5M
#12
Seed · Hackensack, New Jersey · founded 2004 · 53 employees$1.6Mraised▾
IT Outsourcing
- Jul 2015Seed$1.6M
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.