Best Alternative Lending Companies in San Diego, United States
The 35 best Alternative Lending companies in San Diego, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Splitero.
Ranked: Best Alternative Lending companies in San Diego
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Splitero Developer of an online platform for home equity loans | $318M | 23 mo ago | Series B | Michael Gifford Co-Founder & CEO | 2021 | StoryblokApple iCloud MailGoogle Workspace+29 | — |
| 2 | Renovate America Provider of financing programs for water and energy-efficient home improvements | $170M | 108 mo ago | Deadpooled | — | 1999 | VideoJSSalesforce Marketing Cloud Account EngagementjQuery+13 | — |
| 3 | Gain Credit Tech-forward lender providing responsible credit solutions with innovative technology and data science | $65M | 158 mo ago | Series D | Steve Biafore Founder | 2003 | WordPress Block EditorwpBakeryWordPress+24 | — |
| 4 | Figtree Financing PACE financing provider for property owners. | $30M | 125 mo ago | Series A | — | 2010 | — | — |
| 5 | Dealstruck Online platform for business loans | $20M | 137 mo ago | Acquired | — | 2012 | — | — |
| 6 | Mulligan Funding Provider of SME loans | $15M | 40 mo ago | Series A | — | 2008 | — | 1 partnership |
| 7 | Cardiff Online lending solution for small business loans | $6M | 10 mo ago | Funding Raised | — | 2010 | — | — |
| 8 | LoanHero A loan origination marketplace. | $5M | 128 mo ago | Acquired | — | 2014 | — | — |
| 9 | Ascent Online platform for education loans | $3M | 7 mo ago | Series C | Ken Ruggiero Co-Founder & CEO | 2003 | WordPressApple iCloud MailMicrosoft 365+30 | — |
| 10 | Luminia Commercial property solar & sustainability financing solutions | $1M | 83 mo ago | Seed | — | 2018 | WordPressMySQLPHP+34 | — |
Top 11 Alternative Lending companies in San Diego
#1
Series B · San Diego, California · founded 2021 · 31 employees$317.5Mraised▾
Developer of an online platform for home equity loans. It enables users to obtain financing options by providing future property appreciation as collateral. It requires users to add their details to apply for the loan. Once approved, the funds are transferred to the registered bank account.
- Oct 2024Series B$300M
- Jan 2023Series A$11.7M
- Apr 2022Seed$5.8M
#2
Series C · San Diego, California · founded 2003 · 105 employees$3Mraised▾
Online platform for education loans. It offers a platform that enables students to pay for college fees and boot camps. It also provides a partner portal that enables schools and educational institutions to join and provide financing options to the students. It features customized loan options, rewards, scholarships, and more.
- Feb 2026Series C$45.7M
- Jun 2025Series B$10M
- Mar 2022Series B$22.4M
#3
Funding Raised · San Diego, California · founded 2010 · 19 employees$5.7Mraised▾
Online lending solution for small business loans. It offers multiple business financing products including working capital loans, equipment leasing, lines of credit, invoice factoring, and SBA loans. Interest rates are determined by multiple factors such as personal credit, business history, revenues, and industry type. It also offers corporate credit cards for managing personal and business expenses. It serves industry verticals including trucking business, dental practice, and restaurants.
- Nov 2025Conventional Debt—
- Aug 2022Conventional Debt$5.7M
#4
Deadpooled · San Diego, California · founded 1999 · 163 employees$169.7Mraised▾
Provider of financing programs for water and energy-efficient home improvements. It offers homeowners low-cost, long-term financing for renewable energy systems and water-efficient products. Lending capital is provided by private sources, and payments are collected by the municipalities along with property taxes of the resident.
- Aug 2017Conventional Debt$40M
- Feb 2017Conventional Debt$200M
- Sep 2015Series E$90M
- Dec 2014Series D$15.5M
#5
Series A · San Diego, California · founded 2008 · 197 employees$15Mraised▾
Provider of SME loans
- May 2023Series A$5M
- Aug 2022Series A$10M
#6
Series D · San Diego, California · founded 2003 · 353 employees$65Mraised▾
Tech-forward lender providing responsible credit solutions with innovative technology and data science. The company empowers underserved individuals by offering accessible and affordable credit options. They focus on treating customers fairly and providing realistic repayment timelines. They offer innovative credit line products. The company fosters an inclusive and diverse work environment where employees are valued and encouraged to reach their full potential. They are committed to social responsibility, particularly in supporting education initiatives. They leverage cutting-edge technology, data analytics, and science to deliver responsible lending services. Their approach is flexible and collaborative, harnessing talent across multiple continents. They are dedicated to positively impacting customers' lives through responsible credit solutions.
- Jul 2013Conventional Debt$30M
- May 2012Series D$25M
- Oct 2009Series B$10M
#7
Series A · San Diego, California · founded 2010 · 152 employees$30Mraised▾
Figtree Financing is a full service PACE Financing provider for property owners including quoting, application processing, and funding. Figtree PACE allows up to 20% of a property’s value to be financed for energy efficiency, renewable energy, and water conservation upgrades. The financing creates an assessment lien on the property and is repaid as semi-annual installments on the property tax bill.All commercial property types are eligible including office, industrial, retail, hotel, agriculture, and multi-family residential. The minimum allowable project size is $5,000 with no maximum. Eligible improvements include solar, HVAC, boilers & chillers, lighting, building controls, windows, cool roofing, water-efficiency plumbing, and hundreds of other improvement types.
- Mar 2016Series A$30M
#8
Acquired · San Diego, California · founded 2012 · 15 employees$19.5Mraised▾
Online platform for business loans. It offers multiple business loan products including inventory financing, lines of credit, custom term loans, asset-based loans, and more. Businesses must add the required details and apply for loans. Once approved, the funds are transferred to the registered bank account.
- Apr 2015Venture Debt$50M
- Apr 2015Series A$8.3M
- Mar 2015Series A$10M
- Oct 2014Seed—
#9
Acquired · San Diego, California · founded 2014 · 20 employees$5.2Mraised▾
LoanHero is a loan origination marketplace that brings together customers, merchants, and loan products and services providers. Using LoanHero's technological infrastructure, customers can check their credit rating and gain access to loans and services providers. Merchants can sell their products quicker if they partner with LoanHero as their consumers get the availability of financing options. The platform received debt financing commitments worth $20 million in June, 2015.
- Jan 2016Seed$2.5M
- Sep 2015Seed$100K
- Jun 2015Seed$550K
- Jun 2015Seed$1.7M
#10
Seed · San Diego, California · founded 2018 · 23 employees$1.2Mraised▾
Commercial property solar & sustainability financing solutions
- Oct 2019Seed$1.2M
#11
Seed · San Diego, California · founded 2017 · 5 employees—raised▾
Online rental payment platform for landlords. The platform enables property owners to collect rents and tenants to make payments. Features include onboarding assistance, automated reporting, tracking tenants, rental reminders and more.
- Jan 2022Seed—
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.