Best Alternative Lending Companies in New York, United States

Financial wellness and earned wage access platform that enables employees to access their earned pay on-demand. It integrates directly with employers’ existing payroll, HR, and workforce management systems, allowing workers to view and transfer portions of their accrued earnings in real time. It is positioned as a retention and engagement tool that helps attract and retain talent by offering greater financial flexibility without requiring major changes to payroll operations. It emphasizes seamless integration, enterprise-grade security, and minimal administrative overhead for businesses.

Provider of equipment financing solutions for small businesses. It offers customized financing options with flexible terms to accommodate various credit scores and industries. The company finances a wide array of equipment, from software and computers to machinery and vehicles. Its streamlined application process enables quick funding, allowing businesses to focus on growth. The firm's tailored approach aims to simplify the financing process for small businesses.

Funding rounds

• Jan 2026Conventional Debt$125M
• Apr 2025Conventional Debt$25M
• Jan 2024Conventional Debt$50M
• Dec 2022Conventional Debt$10M

Founders & team

Brian GalloCEO

Investors

Wells Fargo

Online platform offering credit-building solutions through rent payment reporting. It captures rental payment data and reports it to credit bureaus to boost credit scores. This helps the tenants to build and establish their credit scores and also helps property owners to attract new tenants. It also reports property management analytics and more.

Funding rounds

• Dec 2025Series C$50M
• Jan 2022Series B$130M
• Jul 2021Series A$10.6M
• Aug 2020Seed$2.3M

Founders & team

Samir GoelCo-FounderWemimo AbbeyCo-Founder

Investors

Impact America Fund, Next Play Ventures, Acumen, Concrete Rose, Global Good Fund, Zeal Capital Partners

Tech stack

Amazon CloudfrontAmazon S3Amazon Web ServicesAmplitudeAngularjsApple Icloud Mail

Provider of AI-based solutions for business lending. It provides users with a fintech company that offers private credit facilities and late-stage equity capital tailored to businesses' needs. Their AI-driven technology allows them to make decisions on deploying debt facilities and other financial solutions.

Funding rounds

• Mar 2025Conventional Debt$450M
• Feb 2023Series C$40M
• Oct 2022Conventional Debt$250M
• Apr 2022Series C$50M

Founders & team

Oron MaymonCo-Founder & Chief Science OfficerYaron SelaCo-Founder & COOMichael HowellFounder & Managing Director

Investors

MUFG Bank, MUFG, Apollo Funds, Spark Capital, Innovation Fund, KeyBank

Tech stack

Animate.CssBootstrapBunnyCloudflareGoogle AnalyticsGoogle Font Api

Provider of employer-sponsored program offering employees access to personal loans. The program integrates with human resource and payroll systems for loan administration. It facilitates access to credit and financial wellness resources. The program offers loans with repayment through payroll deductions.

Funding rounds

• Apr 2026Series C$60M
• Jul 2025Series C$34.8M
• May 2025Conventional Debt$250M
• Oct 2024Series B$2.3M

Founders & team

Einat SteklovFounderRishi KumarCo-Founder & Co-CEO

Investors

MidCap Financial, Revolution, Krillion Ventures, EJF Investments, Moneta, Nomura

Tech stack

Amazon Web ServicesApple Icloud MailAws Certificate ManagerCloudflareCloudflare Bot ManagementCore-Js

Small business funding solutions: loans, revenue advances, lines of credit. They provide diverse financing options, including SBA loans and term loans, to fuel business growth. They offer working capital for various needs like equipment, expansion, inventory, and payroll. Serving industries from auto to wholesale, they focus on potential over credit scores, building relationships with customers. They offer fast approvals and funding, with a simple online application process. They provide resources like case studies and a blog, offering business insights. They also have partner programs. They focus on supporting small and mid-sized businesses with flexible financing. They offer customer login and support.

Modern personal finance app and credit-building platform. It is designed to help users especially young adults and those new to credit build credit, manage money, and earn rewards with simplicity and safety.

Funding rounds

• Jan 2026Series A$14M
• Jun 2024Seed$14.4M
• Mar 2023Seed$4M
• Sep 2021Seed$125K

Founders & team

Carlo KobeCo-Founder & CEOScott SmithCo-Founder

Investors

Y Combinator, SV Angel, Kleiner Perkins, New Era Ventures, FJ Labs, U.S. News

Tech stack

AngularjsApple Icloud MailCloudflareCloudflare TurnstileFathomFramer Sites

Provider of a lending platform for real estate-backed loans. It provides users with a platform for real estate-backed loans, simplifying and streamlining the bridge loan process for better and more efficient financing. They empower investors with a risk-mitigated strategy for all asset-backed debt transactions, focusing on industrial real estate investments.

Funding rounds

• Jan 2026Conventional Debt$25M
• Dec 2024Series B$11M

Founders & team

Roni PeledCo-FounderTal ShaharCo-Founder & CEONir PeledFounder & CRO

Investors

The Garage, State of Mind Ventures, Anfield, BlackRock, Viola FinTech

Tech stack

Apple Icloud MailCloudflareCloudflare Bot ManagementContact Form 7Core-JsFacebook Pixel

Online platform for credit card debt refinancing. It offers loans that enable users to pay off the credit card debts. It features automated reduction on interests on timely repayments. It also provides resources on debt management, and more.

Funding rounds

• Apr 2026Series A$5.3M
• Dec 2024Series A$5.5M
• Mar 2024Seed—

Founders & team

Rachel LaurenCo-Founder

Investors

Reseda Group, One Way Ventures, TruStage, Zeal Capital Partners, Green Egg Ventures, TA Ventures

Tech stack

CdnjsCloudflareCookiebotGoogle AnalyticsGoogle Font ApiGoogle Hosted Libraries

Provider of a blockchain-enabled marketplace for trade finance assets and supply chain financing. It provides multiple working capital solutions including inventory finance, accounts receivable, supply chain finance, and dynamic discounting. It is made up of large corporations, banks, and non-bank financial institutions. It also offers a white-label front-to-back solution that streamlines trade finance, working capital, and other illiquid financial assets.

Online lending platform for working capital loans. Businesses need to apply for funding via its online application form by providing necessary details, and upon evaluation, the loan amount is transferred into the business bank account. It offers funding for multiple business sectors including auto repair shops, restaurants, retail shops, hospitality industry, pharmacy, and others.

Funding rounds

• Oct 2025Conventional Debt$1M
• Dec 2021Conventional Debt$27.4M

Founders & team

Alex ShvartsCEO

Tech stack

Amazon SesAmazon Web ServicesBasicBootstrapCallrailCart Functionality

Developer of an AI platform streamlining mortgage origination for financial institutions. The platform offers features such as automated task tracking, multilingual support, and document conversion. It integrates with loan origination systems and provides a mobile application for real-time communication. The AI is designed to reduce application anxiety and improve the borrower experience.

Funding rounds

• Nov 2025Series A$22M
• Nov 2023Seed—

Founders & team

Cheng LiCo-FounderDiane YuCo-Founder

Investors

RevTech Labs Capital, DR Horton, Engineering Capital, Permanent Capital

Tech stack

Amazon CloudfrontAmazon S3Amazon Web ServicesApple Icloud MailCloudflareCloudflare Bot Management