Radar · Alternative Lending in United States
Best Alternative Lending Companies in United States
The 2540 best Alternative Lending companies in United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: SoFi.
By Riya SenguptaFinancials
2540companies tracked
$56.4Bdisclosed funding
24unicorns
883have raised
$56.4 billion in disclosed funding across 2,540 tracked companies makes the Alternative Lending sector in the United States one of the most heavily capitalized corners of fintech, and this directory ranks them by equity raised and recent funding momentum. Twenty-four unicorns. That's not hype, that's the floor.
The validated filings tell you what actually matters. Across 16 filers, median revenue sits at $120M with a combined pool of $2.9B, and the biggest earners aren't subtle about their scale. Advance America, Cash Advance Centers pulled $626M. MoneyLion hit $533M, up 30% year-over-year. LendingTree posted $327M, up 37%. And the outliers on net income are worth a second look: Sezzle cleared $51M, six times the sector median of $9M. I'd call that a signal worth tracking. As shown in 2016 research on peer lending platforms, information asymmetry and borrower transparency drive performance gaps exactly like these. Median revenue growth is a modest 5% YoY, so when you see MoneyLion or LendingTree running at 30-plus percent, the distance from the pack becomes the real story. Top funders including Y Combinator, Techstars, and SVB are placing their bets, and directory leaders like Stream ($773M raised) and Capchase ($495M) show where conviction is concentrating.
Sources & further reading
- Switzerland Alternative Lending Market Databook 2025-2029
Ranked: Best Alternative Lending companies in United States
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Market signals (1y) | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Liquidity Group 🦄 Provider of AI-based solutions for business lending 72Funding top 17%Product top 25%Patents top 27%Talent top 28% All 11 signals ▾Fundingtop 17% Producttop 25% Patentstop 27% Talenttop 28% Innovationtop 33% AItop 35% Moattop 43% Growthtop 45% Markettop 50% Techbottom 48% Globalbottom 39% Funding: Raised $1.5B across 6 rounds · 6 rounds over 6 yrs (1.0/yr) Product: 4 distinct product lines · Company stage: Series C rank vs industry peers · Fliar Intelligence Index 72/100 | $1.5B | 14 mo ago | Series C | — | Oron Maymon Co-Founder & Chief Science Officer | WebflowGSAPLenis+12 | — | 16 patents Nanofiber polymer filtration media for water purification and air filtration systems | 2 awards |
| 2 | FBN 🦄 Network of services for farm management, supplies, and financial solutions 64Funding top 13%Moat top 26%Growth top 35%Talent top 38% All 10 signals ▾Fundingtop 13% Moattop 26% Growthtop 35% Talenttop 38% Producttop 41% Techtop 42% Markettop 48% Globalbottom 39% Customersbottom 33% Newsbottom 27% Funding: Raised $899M across 12 rounds · 12 rounds over 12 yrs (1.0/yr) Moat: Editorial + unicorn rating 8/10 · Unicorn rank vs industry peers · Fliar Intelligence Index 64/100 | $899M | 10 mo ago | Series G | 62 | Charles Baron Co-Founder | ContentfulSentryNode.js+22 | — | — | — |
| 3 | Stream Workplace financial wellbeing platform that provides employees with tools to access earned wages 57Funding top 12%Tech top 30%Talent top 38%Customers top 40% All 7 signals ▾Fundingtop 12% Techtop 30% Talenttop 38% Customerstop 40% Producttop 42% Globalbottom 48% Marketbottom 35% Funding: Raised $773M across 11 rounds · 11 rounds over 8 yrs (1.4/yr) Tech: 38 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 57/100 | $773M | 4 mo ago | Acquired | — | Portman Wills Co-Founder | TurbopackApple iCloud MailNode.js+19 | — | — | — |
| 4 | Upgrade 🦄 Provider of consumer credit and banking products 90Funding top 16%Growth top 17%Talent top 19%Customers top 20% All 10 signals ▾Fundingtop 16% Growthtop 17% Talenttop 19% Customerstop 20% Markettop 22% Producttop 24% Moattop 26% Innovationtop 39% Techtop 39% Globalbottom 46% Funding: Raised $600M across 6 rounds · 6 rounds over 9 yrs (0.7/yr) Growth: Headcount 250 → 602 (+141%) across vintages · Web rank 100,000 → 50,000 YoY rank vs industry peers · Fliar Intelligence Index 90/100 | $600M | 8 mo ago | Series G | 602 | Matt Wierman Co-Founder and EVP | Apple iCloud MailGoogle WorkspaceBootstrap+32 | — | — | 1 award |
| 5 | Fora Financial Small business funding solutions: loans, revenue advances, lines of credit 60Funding top 26%Tech top 31%Partners top 37%Moat top 39% All 10 signals ▾Fundingtop 26% Techtop 31% Partnerstop 37% Moattop 39% Producttop 41% Innovationtop 42% Growthtop 43% Marketbottom 47% Globalbottom 37% Newsbottom 17% Funding: Raised $576M across 5 rounds · 5 rounds over 11 yrs (0.5/yr) Tech: 45 technologies across 5/8 capability areas · Cloud: Cloudflare, Heroku rank vs industry peers · Fliar Intelligence Index 60/100 | $576M | 14 mo ago | Series A | 135 135 → 211 (+56%) · sector median +52% | — | JekyllSentryZendesk+32 | — | — | — |
| 6 | C2FO 🦄 Provider of cash flow optimization and dynamic discounting solutions for businesses and vendors 60Funding top 25%Tech top 26%Moat top 26%Growth top 35% All 11 signals ▾Fundingtop 25% Techtop 26% Moattop 26% Growthtop 35% Innovationtop 39% Globaltop 39% Producttop 40% Talentbottom 49% Marketbottom 44% Fin. healthbottom 33% Newsbottom 27% Funding: Raised $538M across 9 rounds · 9 rounds over 15 yrs (0.6/yr) Tech: 54 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 60/100 | $538M | 14 mo ago | Series E | 22 | Alexander Kemper Co-Founder & CEO | WordPress Block EditorWordPressMySQL+31 | — | — | 1 partnership · 1 award |
| 7 | Capchase Provider of an online revenue-based financing platform for SaaS businesses 74Funding top 14%Talent top 28%Moat top 31%Global top 34% All 9 signals ▾Fundingtop 14% Talenttop 28% Moattop 31% Globaltop 34% Growthtop 37% Markettop 42% Producttop 45% Techtop 48% Newsbottom 38% Funding: Raised $495M across 7 rounds · 7 rounds over 6 yrs (1.2/yr) Talent: 4 named leaders on record · 4 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 74/100 | $495M | 0 mo ago | Series C | 152 | Ignacio Pubul Co-Founder | WebflowApple iCloud MailZoho+29 | — | — | 1 expansion |
| 8 | 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 | 8 mo ago | Acquired | 155 | Marius Silvasan Co-CEO | WordPressApple iCloud MailMicrosoft 365+26 | 5 signals Leadership · Announcements | — | — |
| 9 | inKind Digital dining rewards platform that allows users to earn cashback and perks when paying 60Customers top 20%Funding top 23%Tech top 33%News top 36% All 10 signals ▾Customerstop 20% Fundingtop 23% Techtop 33% Newstop 36% Growthtop 37% Talenttop 38% Producttop 40% Marketbottom 39% Moatbottom 38% Globalbottom 32% Customers: Play-Store rating 4.86★ across 13,870 ratings (2 apps) · Review volume +110% in 6 mo Funding: Raised $455M across 2 rounds · 2 rounds over 8 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 60/100 | $455M | 3 mo ago | Series B | 65 | Jonathan De Wolff Co-Founder & Chief Sustainability Officer | Cart FunctionalityApple iCloud MailGoogle Workspace+30 | 3 signals Funding · Capital raise | — | 1 job opening |
| 10 | Figure 🦄 Blockchain-based platform for consumer loans 89Innovation top 15%Funding top 16%Tech top 16%Patents top 18% All 11 signals ▾Innovationtop 15% Fundingtop 16% Techtop 16% Patentstop 18% Moattop 25% Growthtop 26% Producttop 28% Markettop 34% Talenttop 38% Customersbottom 43% Globalbottom 39% Innovation: 81 patents (top 7% of patent-holders) · 78 filings since 2022 vs 2 in 2017-21 Funding: Raised $435M across 8 rounds · 8 rounds over 8 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 89/100 | $435M | 12 mo ago | Public | 463 463 → 623 (+35%) · sector median +52% | June Ou Co-Founder | DatoCMSApple iCloud MailGoogle Workspace+31 | — | 81 patents Advanced humanoid robot mechanical design, joints, wiring, and head/neck assemblies | 1 award |
| 11 | Quantum Lending Solutions Provider of lending solutions for small and medium-sized businesses | $400M | 6 mo ago | Late Stage | — | Mickey Konson CEO | Wix eCommerceWixSentry+18 | — | — | 1 partnership |
| 12 | Tala Provider of a platform offering credit and digital financial services | $350M | 14 mo ago | Series E | 738 | Shivani Siroya Founder & CEO | WordPressApple iCloud MailGoogle Workspace+26 | — | — | 2 partnerships · 1 award |
| 13 | LendingPoint Personal loans provider offering financial solutions with proprietary technology and AI 50Funding top 18%Tech top 30%Talent top 33%Moat top 35% All 12 signals ▾Fundingtop 18% Techtop 30% Talenttop 33% Moattop 35% Producttop 44% Customerstop 44% Growthbottom 48% Innovationbottom 41% Marketbottom 39% Globalbottom 36% Patentsbottom 27% Newsbottom 24% Funding: Raised $325M across 13 rounds · 13 rounds over 11 yrs (1.2/yr) Tech: 47 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon S3 rank vs industry peers · Fliar Intelligence Index 50/100 | $325M | 7 mo ago | Series B | — | Victor J Pacheco Co-Founder & CIO | WordPressApple iCloud MailMicrosoft 365+22 | — | 2 patents Financial fraud detection and prevention systems for banking account transactions | — |
| 14 | 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 | Series C | 70 | Josh Mangel Co-Founder | StoryblokApple iCloud MailGoogle Workspace+28 | 11 signals Leadership · New product · Layoffs | — | — |
| 15 | Aequum Capital Online platform for business loans | $308M | 9 mo ago | Funding Raised | 9 | — | — | 3 signals Leadership · Funding | — | — |
| 16 | DailyPay 🦄 Financial wellness and earned wage access platform that enables employees to access their earned pay on-demand 89Customers top 14%Funding top 15%Tech top 15%Growth top 25% All 12 signals ▾Customerstop 14% Fundingtop 15% Techtop 15% Growthtop 25% Markettop 31% Moattop 32% Newstop 36% Producttop 40% AItop 45% Innovationbottom 48% Patentsbottom 46% Globalbottom 45% Customers: Play-Store rating 4.72★ across 228,552 ratings (3 apps) · Review volume +16% in 6 mo Funding: Raised $264M across 9 rounds · 9 rounds over 10 yrs (0.9/yr) rank vs industry peers · Fliar Intelligence Index 89/100 | $264M | 3 mo ago | Series D | 845 845 → 990 (+17%) · sector median +52% | — | WordPressSentryApple iCloud Mail+52 | 14 signals ▲27% Leadership · Capital raise · Funding | 3 patents AI-driven payroll advance systems using machine learning for real-time earnings prediction | 1 award |
| 17 | Targeted Lending Co Provider of equipment financing solutions for small businesses 22Funding top 17%News top 44%Talent bottom 49%Global bottom 29% All 5 signals ▾Fundingtop 17% Newstop 44% Talentbottom 49% Globalbottom 29% Marketbottom 25% Funding: Raised $210M across 4 rounds · 4 rounds over 4 yrs (1.0/yr) News: 2 BI events in 12 mo (of 4 tracked, 4 types) · +100% YoY rank vs industry peers · Fliar Intelligence Index 22/100 | $210M | 5 mo ago | Acquired | 17 | Brian Gallo CEO | — | — | — | — |
| 18 | PayJoy Online platform for purchase financing 84Funding top 18%Tech top 18%Patents top 25%Moat top 28% All 10 signals ▾Fundingtop 18% Techtop 18% Patentstop 25% Moattop 28% Innovationtop 32% Producttop 32% Markettop 33% Globaltop 36% Growthtop 40% Newstop 49% Funding: Raised $204M across 12 rounds · 12 rounds over 11 yrs (1.1/yr) Tech: 77 technologies across 6/8 capability areas · Cloud: Amazon Alb, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 84/100 | $204M | 6 mo ago | Series C | 101 | — | WebflowZohoUbuntu+26 | 5 signals ▼44% Leadership · New product | 24 patents IoT-enabled remote access control and financing management for consumer appliances | — |
| 19 | Earnin Provider of a platform for accessing earned wages and financial tools 67Customers top 18%Funding top 21%Tech top 30%Moat top 31% All 10 signals ▾Customerstop 18% Fundingtop 21% Techtop 30% Moattop 31% Markettop 37% Producttop 40% Growthtop 50% Talentbottom 49% Newsbottom 46% Globalbottom 39% Customers: Play-Store rating 4.75★ across 294,082 ratings (1 apps) · Review volume +6% in 6 mo Funding: Raised $190M across 5 rounds · 5 rounds over 12 yrs (0.4/yr) rank vs industry peers · Fliar Intelligence Index 67/100 | $190M | 9 mo ago | Series C | 242 242 → 597 (+147%) · sector median +52% | Ram Palaniappan Founder & CEO | ContentfulApple iCloud MailGoogle Workspace+22 | — | — | 1 launch |
| 20 | Centra Leasing Provider of equipment financing and leasing solutions for businesses 45Innovation top 20%Funding top 25%Product top 37%Growth top 43% All 8 signals ▾Innovationtop 20% Fundingtop 25% Producttop 37% Growthtop 43% Techbottom 48% Globalbottom 32% Newsbottom 22% Marketbottom 17% Innovation: 12 product lines Funding: Raised $175M across 1 rounds · 1 rounds over 5 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 45/100 | $175M | 1 mo ago | Funding Raised | 1 | — | WordPressMySQLPHP+25 | — | — | — |
| 21 | Hometap Provider of Home loans | $172M | 6 mo ago | Series B | 231 231 → 290 (+26%) · sector median +52% | — | SanityApple iCloud MailGoogle Workspace+32 | — | — | 1 expansion · 1 award |
| 22 | Ualett App-based platform offering advance receivable management solutions for drivers 62Customers top 21%Tech top 23%Growth top 30%Funding top 34% All 8 signals ▾Customerstop 21% Techtop 23% Growthtop 30% Fundingtop 34% Newstop 40% Producttop 47% Marketbottom 38% Globalbottom 29% Customers: Play-Store rating 4.54★ across 6,937 ratings (1 apps) · Review volume +26% in 6 mo Tech: 54 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 62/100 | $150M | 8 mo ago | Funding Raised | 32 | — | WordPressApple iCloud MailGoogle Workspace+37 | 3 signals ▲200% Funding · Leadership | — | 2 job openings |
| 23 | Esusu 🦄 Online platform offering credit-building solutions through rent payment reporting 76Funding top 18%Tech top 24%Moat top 26%News top 33% All 10 signals ▾Fundingtop 18% Techtop 24% Moattop 26% Newstop 33% Growthtop 35% Talenttop 38% Markettop 40% Producttop 40% Customerstop 45% Globalbottom 36% Funding: Raised $145M across 9 rounds · 9 rounds over 8 yrs (1.1/yr) Tech: 56 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 76/100 | $145M | 6 mo ago | Series C | 179 | Samir Goel Co-Founder | WordPress Block EditorWordPressSentry+22 | 3 signals Funding · Capital raise | — | 1 launch |
| 24 | Billd SaaS-driven financing solution for construction material suppliers 62Funding top 24%Talent top 28%Moat top 31%Tech top 33% All 11 signals ▾Fundingtop 24% Talenttop 28% Moattop 31% Techtop 33% Producttop 39% Innovationtop 40% Patentstop 44% Growthtop 47% Marketbottom 45% Newsbottom 41% Globalbottom 33% Funding: Raised $134M across 7 rounds · 7 rounds over 8 yrs (0.9/yr) Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 62/100 | $134M | 7 mo ago | Series B | 63 63 → 104 (+65%) · sector median +52% | Jesse Weissburg Cofounder & Chief Commercial Officer | WordPressApple iCloud MailGoogle Workspace+34 | 3 signals ▼25% Funding | 12 patents AI-driven project management and contractor risk analytics software | — |
| 25 | Branch Provider of an app-based platform for earned wages loans | $133M | 14 mo ago | Series C | 177 177 → 263 (+49%) · sector median +52% | Atif Siddiqi Founder & CEO | WebflowApple iCloud MailGoogle Workspace+30 | — | — | — |
| 26 | Nova Credit Provider of unified consumer credit data infrastructure and analytics platform 50Funding top 21%Moat top 31%News top 33%Tech top 41% All 9 signals ▾Fundingtop 21% Moattop 31% Newstop 33% Techtop 41% Producttop 41% Growthtop 43% Globalbottom 45% Marketbottom 43% Talentbottom 41% Funding: Raised $121M across 7 rounds · 7 rounds over 10 yrs (0.7/yr) Moat: Editorial + unicorn rating 8/10 · Soonicorn rank vs industry peers · Fliar Intelligence Index 50/100 | $121M | 8 mo ago | Series D | 51 51 → 119 (+133%) · sector median +52% | Misha Esipov Co-Founder & CEO | ContentfulApple iCloud MailGoogle Workspace+22 | 3 signals Capital raise · Funding · Leadership | — | 1 partnership |
| 27 | Zest AI Provider of AI-enabled credit risk assessment platform 64AI top 20%Funding top 21%Moat top 26%Patents top 31% All 12 signals ▾AItop 20% Fundingtop 21% Moattop 26% Patentstop 31% Innovationtop 36% Producttop 41% Growthtop 43% Techtop 44% Marketbottom 45% Talentbottom 41% Globalbottom 40% Newsbottom 37% AI: Classified as an AI company Funding: Raised $119M across 10 rounds · 10 rounds over 15 yrs (0.7/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $119M | 7 mo ago | Series D | 108 108 → 234 (+117%) · sector median +52% | Mike Vere Chief Executive Officer | WordPressApple iCloud MailGoogle Workspace+39 | 3 signals ▼67% Funding · Leadership | 216 patents Dental restorative composites, adhesives, and whitening formulations for oral care devices | — |
| 28 | Drip Capital Developer of an online marketplace platform for trade financing 62Tech top 24%Funding top 27%Moat top 31%Talent top 34% All 12 signals ▾Techtop 24% Fundingtop 27% Moattop 31% Talenttop 34% Newstop 35% Innovationtop 39% Producttop 39% Markettop 43% Globaltop 48% Fin. healthbottom 45% Growthbottom 40% Partnersbottom 35% Tech: 61 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $108M across 12 rounds · 12 rounds over 11 yrs (1.1/yr) rank vs industry peers · Fliar Intelligence Index 62/100 | $108M | 7 mo ago | Series C | 185 185 → 432 (+134%) · sector median +52% | Neil Kothari Co-Founder | Apple iCloud MailGoogle WorkspaceAmazon Web Services+27 | 8 signals ▼38% Announcements · Funding · Contracts | — | 1 partnership |
| 29 | Parafin Provider of cloud-based platform for revenue-based financing 48Funding top 20%Tech top 32%Moat top 35%Product top 36% All 10 signals ▾Fundingtop 20% Techtop 32% Moattop 35% Producttop 36% Talentbottom 49% Growthbottom 47% Innovationbottom 46% Marketbottom 43% Globalbottom 37% Newsbottom 21% Funding: Raised $94.0M across 6 rounds · 6 rounds over 5 yrs (1.2/yr) Tech: 39 technologies across 5/8 capability areas · Cloud: Amazon S3, Amazon Ses rank vs industry peers · Fliar Intelligence Index 48/100 | $94M | 1 mo ago | Series C | 83 | Sahill Poddar Co-Founder & CEO | WebflowApple iCloud MailGoogle Workspace+25 | — | — | 1 launch |
| 30 | Wisetack Provider of purchase financing solutions to consumers 62Funding top 23%Tech top 31%Moat top 31%Growth top 35% All 8 signals ▾Fundingtop 23% Techtop 31% Moattop 31% Growthtop 35% Talenttop 38% Marketbottom 45% Globalbottom 32% Newsbottom 18% Funding: Raised $91.2M across 5 rounds · 5 rounds over 7 yrs (0.7/yr) Tech: 41 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 62/100 | $91M | 8 mo ago | Series B | 119 119 → 134 (+13%) · sector median +52% | Bobby Tzekin Co-Founder & CEO | WebflowApple iCloud MailGoogle Workspace+29 | — | — | 1 partnership |
| 31 | FinTap Online platform for business loans | $86M | 7 mo ago | Funding Raised | 15 | — | WordPressMySQLPHP+26 | — | — | — |
| 32 | Candex Online platform for invoice financing 64Funding top 21%Product top 25%Innovation top 34%Growth top 35% All 9 signals ▾Fundingtop 21% Producttop 25% Innovationtop 34% Growthtop 35% Newstop 36% Moattop 39% Globaltop 49% Marketbottom 48% Techbottom 47% Funding: Raised $85.0M across 6 rounds · 6 rounds over 8 yrs (0.8/yr) Product: 4 distinct product lines · Company stage: Series C rank vs industry peers · Fliar Intelligence Index 64/100 | $85M | 3 mo ago | Series C | 102 | — | Proton MailGoogle WorkspaceZoho+16 | 3 signals Funding | — | 1 expansion · 2 awards |
| 33 | Splash Financial Provider of an online marketplace for education loan refinancing | $78M | 9 mo ago | Series C | 68 | Steve Muszynski Founder & CEO | WordPressApple iCloud MailMicrosoft 365+25 | — | — | — |
| 34 | 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 | 1 mo ago | Funding Raised | 40 | — | WordPressMySQLPHP+22 | — | — | — |
| 35 | LiquidX Provider of a blockchain-enabled marketplace for trade finance assets and supply chain financing 57AI top 15%Funding top 28%Innovation top 33%Patents top 37% All 10 signals ▾AItop 15% Fundingtop 28% Innovationtop 33% Patentstop 37% Moattop 37% Producttop 46% Marketbottom 41% Techbottom 34% Newsbottom 32% Globalbottom 31% AI: Holds AI/ML patents (G06N-family CPC) Funding: Raised $60.2M across 5 rounds · 5 rounds over 10 yrs (0.5/yr) rank vs industry peers · Fliar Intelligence Index 57/100 | $60M | 8 mo ago | Series B | 59 | — | — | — | 9 patents Digital asset classification platforms and trade‑finance digitization/trading systems | 1 award |
| 36 | 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 | 4 mo ago | Series B | 58 | John Tomich CEO and Co-Founder | Webflow EcommerceWebflowApple iCloud Mail+38 | — | — | — |
| 37 | Savvymoneycom Financial wellness platform empowering institutions to drive growth and strengthen relationships 69Growth top 25%Funding top 26%Tech top 30%Product top 32% All 10 signals ▾Growthtop 25% Fundingtop 26% Techtop 30% Producttop 32% Moattop 36% Innovationtop 39% Newstop 45% Markettop 50% Talentbottom 49% Globalbottom 37% Growth: Headcount 36 → 74 (+106%) across vintages · 2 acquisition/expansion moves in 24 mo Funding: Raised $47.0M across 3 rounds · 3 rounds over 16 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 69/100 | $47M | 7 mo ago | Series F | 74 74 → 181 (+145%) · sector median +52% | Jb Orecchia President and CEO | WordPressApple iCloud MailGoogle Workspace+35 | 3 signals ▲50% Funding | — | 1 award |
| 38 | Atlas Invest Provider of a lending platform for real estate-backed loans 48Funding top 26%Talent top 28%Growth top 35%Moat top 48% All 7 signals ▾Fundingtop 26% Talenttop 28% Growthtop 35% Moattop 48% Techbottom 45% Globalbottom 36% Marketbottom 32% Funding: Raised $36.0M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 48/100 | $36M | 4 mo ago | Series B | — | Roni Peled Co-Founder | WordPressApple iCloud MailGoogle Workspace+21 | — | — | — |
| 39 | Zippy Provider of lending and insurance services for manufactured home ownership | $35M | 6 mo ago | Series B | 62 | Jordan Bucy Co-Founder | SentryRubyRuby on Rails+15 | 3 signals M&A · Acquisition | 11 patents Autonomous robot systems for pickup, delivery, and containerized transport logistics | 1 launch · 1 expansion |
| 40 | Mine Modern personal finance app and credit-building platform 64Growth top 13%Funding top 29%Customers top 31%Talent top 38% All 8 signals ▾Growthtop 13% Fundingtop 29% Customerstop 31% Talenttop 38% Techtop 48% Globalbottom 48% Productbottom 48% Marketbottom 35% Growth: App-install growth +312% YoY · Fresh capital in last 24 mo Funding: Raised $32.5M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $33M | 4 mo ago | Series A | — | Carlo Kobe Co-Founder & CEO | Framer SitesApple iCloud MailGoogle Workspace+15 | — | — | — |
| 41 | LoanStar Embedded lending platform powering financial institutions and merchants with tailored lending programs 45Funding top 27%Product top 30%Innovation top 34%Talent top 38% All 8 signals ▾Fundingtop 27% Producttop 30% Innovationtop 34% Talenttop 38% Techtop 48% Marketbottom 30% Globalbottom 29% Newsbottom 22% Funding: Raised $30.4M across 4 rounds · 4 rounds over 9 yrs (0.4/yr) Product: 7 distinct product lines · Company stage: Series B rank vs industry peers · Fliar Intelligence Index 45/100 | $30M | 5 mo ago | Series B | 31 | Andrew Turner Co-Founder & CEO | WordPress Block EditorWordPressMySQL+20 | — | — | 1 partnership |
| 42 | Balance Homes Online marketplace offering refinancing residential mortgage loans 40Funding top 28%Growth top 28%Tech top 42%Global bottom 32% All 5 signals ▾Fundingtop 28% Growthtop 28% Techtop 42% Globalbottom 32% Marketbottom 21% Funding: Raised $30.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Growth: Web rank 50,000,000 → 10,000,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 40/100 | $30M | 4 mo ago | Acquired | 21 21 → 13 (-38%) · sector median +52% | — | TurbopackEmotionNode.js+15 | — | — | — |
| 43 | Centrifuge Provider of the decentralized platform to connect the financial supply chain 55Talent top 15%Funding top 32%Tech top 34%Growth top 35% All 7 signals ▾Talenttop 15% Fundingtop 32% Techtop 34% Growthtop 35% Moattop 39% Globalbottom 47% Marketbottom 25% Talent: Analyst team rating 5/5 Funding: Raised $27.1M across 4 rounds · 4 rounds over 8 yrs (0.5/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $27M | 1 mo ago | Series A | 10 | — | WebflowMicrosoft AdvertisingCloudflare Turnstile+16 | — | — | 2 launchs · 2 partnerships |
| 44 | Kashable Provider of employer-sponsored program offering employees access to personal loans 53Funding top 27%Growth top 35%Talent top 38%Product top 40% All 12 signals ▾Fundingtop 27% Growthtop 35% Talenttop 38% Producttop 40% Moattop 41% Patentstop 43% Newstop 45% Techtop 46% Innovationtop 49% Customersbottom 46% Globalbottom 42% Marketbottom 36% Funding: Raised $25.6M across 6 rounds · 6 rounds over 8 yrs (0.8/yr) Growth: Web rank 1,000,000 → 500,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 53/100 | $26M | 1 mo ago | Series C | 23 | Einat Steklov Founder | Apple iCloud MailGoogle WorkspaceReact+18 | 4 signals Capital raise · Funding | 4 patents Digital benefit delivery platforms and functional-molecule enhanced oil extraction technologies. | — |
| 45 | RenoFi Online marketplace for home renovation loans | $21M | 3 mo ago | Series B | 14 | Justin Goldman Co-Founder & CEO | HugoSentryAlgolia+31 | 3 signals Funding · Capital raise | — | 1 job opening |
| 46 | EquipiFi Cloud-based point of sale financing solution | $16M | 2 mo ago | Series B | 37 | Bryce Deeney CEO | HubSpot CMS HubAmazon Web ServicesLazySizes+19 | — | — | — |
| 47 | NEWITY Online marketplace for business loans | $16M | 3 mo ago | Series B | — | Luke LaHaie Co-Founder & Co-CEO | WordPressApple iCloud MailMicrosoft 365+43 | 3 signals Capital raise · Funding · Announcements | — | — |
| 48 | Ratio Technologies Provider of payment solutions to financial institutions | $11M | 2 mo ago | Series B | 9 | Mason Blake Co-Founder | WebflowAmazon Web Serviceslit-html+22 | — | — | — |
| 49 | Debbie Online platform for credit card debt refinancing 48Customers top 23%Innovation top 26%Moat top 32%Growth top 35% All 11 signals ▾Customerstop 23% Innovationtop 26% Moattop 32% Growthtop 35% Fundingtop 36% Patentstop 38% Talentbottom 49% Productbottom 47% Techbottom 45% Globalbottom 40% Marketbottom 16% Customers: Play-Store rating 4.87★ across 8,516 ratings (1 apps) Innovation: 40 patents (top 14% of patent-holders) rank vs industry peers · Fliar Intelligence Index 48/100 | $11M | 2 mo ago | Series A | 6 | Rachel Lauren Co-Founder | WebflowGSAPMicrosoft Advertising+19 | — | 40 patents Dental implant fixtures, abutments, and related prosthetic components for oral surgery | — |
| 50 | Credibly Provider of a platform offering financing solutions for small businesses | $5M | 1 mo ago | Series A | 118 118 → 175 (+48%) · sector median +52% | Edan King Co-Founder & Co-CEO | WordPressMySQLPHP+40 | — | — | 1 job opening |
Top 12 Alternative Lending companies in United States
#1
Series C · Cambridge, Massachusetts · founded 2020 · 152 employees$494.6Mraised▾
Series C · Cambridge, Massachusetts · founded 2020 · 152 employees
Provider of an online revenue-based financing platform for SaaS businesses. It offers to finance for recurring revenue tech-based companies. The user must sync the financial data from banks, accounting software, and subscriptions, and the financing amount is calculated based on it. It also offers blogs, runway calculators, and more.
Fliar Intelligence Index™ 74how this company ranks against its industry peers
Funding
top 14%Talent
top 28%Moat
top 31%Global
top 34%Growth
top 37%Market
top 42%Funding: Raised $495M across 7 rounds · 7 rounds over 6 yrs (1.2/yr) · Last round Series C (May 2026)
Talent: 4 named leaders on record · 4 C-suite/founder profiles curated
Moat: Editorial + unicorn rating 8/10 · Soonicorn · 9 curated direct competitors tracked
Audience (LinkedIn): 24k LinkedIn followers
Activity (LinkedIn): 1 partnerships · 1 awards · 1 expansions (incl. Barracuda) announced in 12 mo
Funding rounds
- May 2024Conventional Debt$114.1M
- Feb 2024Series B$5M
- Mar 2022Series B$80M
- Jul 2021Series B$280M
Founders & team
Investors
Caffeinated Capital, Bling Capital, SciFi, BoxGroup, Onevc, Amara VC
Tech stack
Apple Icloud MailCloudflareCloudflare Bot ManagementCore-JsFacebook PixelGoogle Ads
#2
Acquired · Arlington, Virginia · founded 2018$772.8Mraised▾
Acquired · Arlington, Virginia · founded 2018
Workplace financial wellbeing platform that provides employees with tools to access earned wages. It offers a suite of tools that help users earn, access, save, spend, and plan their money in one unified mobile application. It includes features such as on-demand access to earned wages, budgeting and spending insights, savings products, financial coaching, and access to loans and pension consolidation tools. It also provides discounts and rewards to help reduce the cost of living and improve day-to-day financial resilience.
Fliar Intelligence Index™ 57how this company ranks against its industry peers
Funding
top 12%Tech
top 30%Talent
top 38%Customers
top 40%Product
top 42%Global
bottom 48%Funding: Raised $773M across 11 rounds · 11 rounds over 8 yrs (1.4/yr) · Last round Series D (Jan 2026)
Tech: 38 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 · Observability: Sentry
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Funding rounds
- Jan 2026Series D$90M
- Nov 2025Series C$4M
- May 2025Conventional Debt$399M
- Apr 2024Series C$21.7M
Founders & team
Investors
Sofina, Ascension Ventures, Balderton Capital, Northzone, Smash Capital, LocalGlobe
Tech stack
Amazon CloudfrontAmazon S3Amazon Web ServicesApexcharts.JsApple Icloud MailCalendly
#3
Series B · Austin, Texas · founded 2018 · 65 employees$455.3Mraised▾
Series B · Austin, Texas · founded 2018 · 65 employees
Digital dining rewards platform that allows users to earn cashback and perks when paying. It allows seamless bill payments through an app, while offering rewards, bonuses, and promotional offers across a large network of partner locations. Users can discover venues, unlock dining benefits, and enhance their restaurant experience through integrated payment and loyalty features, all managed within a single digital interface.
Fliar Intelligence Index™ 60how this company ranks against its industry peers
Customers
top 20%Funding
top 23%Tech
top 33%News
top 36%Growth
top 37%Talent
top 38%Customers: Play-Store rating 4.86★ across 13,870 ratings (2 apps) · Review volume +110% in 6 mo
Funding: Raised $455M across 2 rounds · 2 rounds over 8 yrs (0.2/yr) · Last round Series B (Feb 2026)
Tech: 44 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon Web Services · Devops: Envoy, Nginx
Audience (LinkedIn): 6k LinkedIn followers
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Sales, Onboarding
Funding rounds
- Feb 2026Series B$450M
- Feb 2026Conventional Debt—
- Apr 2018Conventional Debt—
- Apr 2018Series A$5.3M
Founders & team
Investors
Firebrand Ventures, Hammerstone Capital, Fabrice Grinda
Tech stack
Amazon CloudfrontAmazon Web ServicesApache Http ServerApexcharts.JsApple Icloud MailAws Certificate Manager
#4
Funding Raised · Plano, Texas · founded 2013 · 1 employees$175Mraised▾
Funding Raised · Plano, Texas · founded 2013 · 1 employees
Provider of equipment financing and leasing solutions for businesses. It offers direct lending capabilities to finance equipment for small- and medium-sized businesses across various industry sectors. The company provides options for customers’ equipment financing needs through its vendor programs, online finance center, and broker program.
Fliar Intelligence Index™ 45how this company ranks against its industry peers
Innovation
top 20%Funding
top 25%Product
top 37%Growth
top 43%Tech
bottom 48%Global
bottom 32%Innovation: 12 product lines
Funding: Raised $175M across 1 rounds · 1 rounds over 5 yrs (0.2/yr) · Last round Conventional Debt (May 2026)
Product: 12 distinct product lines · 1 published app (750 installs) · Company stage: Conventional Debt
Audience (LinkedIn): 2k LinkedIn followers
Funding rounds
- May 2026Conventional Debt$175M
- Mar 2021Conventional Debt—
Investors
Capital One
Tech stack
AosBootstrapCdnjsCloudflareCloudflare Bot ManagementCore-Js
#5
DailyPay 🦄Series D · New York City, New York · founded 2015 · 845 employees$264Mraised▾
DailyPay 🦄
Series D · New York City, New York · founded 2015 · 845 employees
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.
Fliar Intelligence Index™ 89how this company ranks against its industry peers
Customers
top 14%Funding
top 15%Tech
top 15%Growth
top 25%Market
top 31%Moat
top 32%Customers: Play-Store rating 4.72★ across 228,552 ratings (3 apps) · Review volume +16% in 6 mo
Funding: Raised $264M across 9 rounds · 9 rounds over 10 yrs (0.9/yr) · Last round Conventional Debt (Feb 2026)
Tech: 94 technologies across 7/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 · Devops: Envoy, Nginx
Audience (LinkedIn): 31k LinkedIn followers — 2.4% of this cohort's audience · 58 engagements/post (1.7× cohort median)
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Feb 2026Conventional Debt$200M
- Jan 2024Conventional Debt$100M
- Jan 2024Series D$75M
- Jan 2023Conventional Debt$260M
Investors
Intercept Ventures, RPM Ventures, Inspiration Ventures, Frontier Venture Capital, Barclays, Angelo Gordon
Tech stack
6SenseAdaAdobe Audience ManagerAmazon CloudfrontAmazon S3Amazon Ses
#6
Series C · San Francisco, California · founded 2020 · 83 employees$94Mraised▾
Series C · San Francisco, California · founded 2020 · 83 employees
Provider of cloud-based platform for revenue-based financing. It features a platform for connecting buyers and sellers for growth capital financing. Provides tools for retaining sellers, tracking revenue streams, APIs for underwriting, financial and regulatory risks, and payment processing for users.
Fliar Intelligence Index™ 48how this company ranks against its industry peers
Funding
top 20%Tech
top 32%Moat
top 35%Product
top 36%Talent
bottom 49%Growth
bottom 47%Funding: Raised $94.0M across 6 rounds · 6 rounds over 5 yrs (1.2/yr) · Last round Conventional Debt (May 2026)
Tech: 39 technologies across 5/8 capability areas · Cloud: Amazon S3, Amazon Ses · Observability: Fullstory, Sentry
Moat: Editorial + unicorn rating 7/10 · 3 curated direct competitors tracked
Audience (LinkedIn): 11k LinkedIn followers
Activity (LinkedIn): 1 product launches announced in 12 mo
Funding rounds
- May 2026Conventional Debt—
- Dec 2024Series C$100M
- Aug 2024Conventional Debt$93M
- Apr 2024Conventional Debt$125M
Founders & team
Investors
Atalaya Capital Management, Jefferies, GIC, Thrive Capital, Ribbit Capital, Trinity Capital
Tech stack
Amazon S3Amazon SesAmazon Web ServicesApple Icloud MailAtlassian StatuspageCloudflare
#7
Pipe 🦄Series C · Los Angeles, California · founded 2019 · 70 employees$316Mraised▾
Pipe 🦄
Series C · Los Angeles, California · founded 2019 · 70 employees
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.
Fliar Intelligence Index™ 76how this company ranks against its industry peers
Funding
top 16%Moat
top 19%Innovation
top 32%Talent
top 33%Tech
top 34%Growth
top 35%Funding: Raised $316M across 7 rounds · 7 rounds over 6 yrs (1.2/yr) · Last round Series C (Jan 2026)
Moat: Editorial + unicorn rating 9/10 · Unicorn · 1 curated direct competitors tracked
Innovation: 4 new-product events in 24 mo
Audience (LinkedIn): 38k LinkedIn followers — 3.0% of this cohort's audience
Funding rounds
- Jan 2026Series C$16M
- Jun 2024Venture Debt$100M
- Sep 2022Conventional Debt$7.1M
- Aug 2021Series C—
Founders & team
Investors
Craft Ventures, Fika Ventures, MaC Venture Capital, Worklife, Liquid 2 Ventures, Weekend Fund
Tech stack
Apple Icloud MailChakra UiCloudflareCloudflare Bot ManagementCookiebotCore-Js
#8
Upgrade 🦄Series G · San Francisco, California · founded 2016 · 602 employees$600Mraised▾
Upgrade 🦄
Series G · San Francisco, California · founded 2016 · 602 employees
Provider of consumer credit and banking products. It provides users with a financial technology company offering diverse credit and banking products. The company provides personal loans, credit cards, and rewards checking and savings accounts designed to assist individuals in managing their finances. Their offerings aim to provide accessible credit solutions, competitive rates, and rewards for everyday spending. They also include tools for credit monitoring and education to help individuals understand and improve their credit health.
Fliar Intelligence Index™ 90how this company ranks against its industry peers
Funding
top 16%Growth
top 17%Talent
top 19%Customers
top 20%Market
top 22%Product
top 24%Funding: Raised $600M across 6 rounds · 6 rounds over 9 yrs (0.7/yr) · Last round Series G (Oct 2025)
Growth: Headcount 250 → 602 (+141%) across vintages · Web rank 100,000 → 50,000 YoY · Fresh capital in last 24 mo
Talent: Analyst team rating 5/5 · 5 named leaders on record · 5 C-suite/founder profiles curated
Audience (LinkedIn): 74k LinkedIn followers — 5.7% of this cohort's audience
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Oct 2025Series G$165M
- Nov 2021Series F$280M
- Aug 2021Series E$105M
- Jun 2020Series D$40M
Founders & team
Investors
Union Square Ventures, Ribbit Capital, Vy Capital, SVB, CreditEase, Noah Holdings
Tech stack
AkamaiAkamai Bot ManagerAmazon Web ServicesApple Icloud MailBootstrapCloudflare
#9
Series B · Atlanta, Georgia · founded 2014$325Mraised▾
Series B · Atlanta, Georgia · founded 2014
Personal loans provider offering financial solutions with proprietary technology and AI. The company provides unsecured personal loans to consumers, leveraging advanced algorithms and data models to offer access to credit. They aim to create frictionless access to money, offering personalized solutions to meet unique financial needs. The company uses technology to paint a more complete picture of applicants, unlocking loan solutions. They offer various types of loans, including debt consolidation, home improvement, emergency, medical, online, and vacation loans. The company is committed to driving a better lending and borrowing experience by finding more reasons to say "yes." They also offer a mobile app for managing finances and monitoring credit scores. The company uses AI and data models to evaluate credit worthiness and provide access to fair credit. They are expanding their business through e-commerce platform integrations and commercial finance product development, introducing "qualify today, buy anywhere" technology. The website offers options to apply, login, check rates, and access a knowledge center.
Fliar Intelligence Index™ 50how this company ranks against its industry peers
Funding
top 18%Tech
top 30%Talent
top 33%Moat
top 35%Product
top 44%Customers
top 44%Funding: Raised $325M across 13 rounds · 13 rounds over 11 yrs (1.2/yr) · Last round Series B (Nov 2025)
Tech: 47 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon S3 · Observability: Dynatrace, Fullstory
Talent: 3 named leaders on record · 2 C-suite/founder profiles curated
Audience (LinkedIn): 7k LinkedIn followers
Funding rounds
- Nov 2025Series B—
- Mar 2021Conventional Debt—
- Jan 2021Series B$125M
- Dec 2020Conventional Debt$350M
Founders & team
Investors
Apollo Investment Corporation, MidCap Financial, Aeterna Capital Partners, Warburg Pincus, Paragon Outcomes, Advent Morro Equity Partners
Tech stack
Amazon AlbAmazon S3Amazon SesAmazon Web ServicesApple Icloud MailBootstrap
#10
Acquired · Williamsville, New York · founded 2015 · 17 employees$210Mraised▾
Acquired · Williamsville, New York · founded 2015 · 17 employees
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.
Fliar Intelligence Index™ 22how this company ranks against its industry peers
Funding
top 17%News
top 44%Talent
bottom 49%Global
bottom 29%Market
bottom 25%Funding: Raised $210M across 4 rounds · 4 rounds over 4 yrs (1.0/yr) · Last round Conventional Debt (Jan 2026)
News: 2 BI events in 12 mo (of 4 tracked, 4 types) · +100% YoY · Top themes: M&A, Capital raise
Talent: 1 named leader on record · 1 C-suite/founder profile curated
Audience (LinkedIn): 620 LinkedIn followers
Funding rounds
- Jan 2026Conventional Debt$125M
- Apr 2025Conventional Debt$25M
- Jan 2024Conventional Debt$50M
- Dec 2022Conventional Debt$10M
Founders & team
Investors
Wells Fargo
#11
Funding Raised · Los Angeles, California · founded 2002 · 40 employees$77Mraised▾
Funding Raised · Los Angeles, California · founded 2002 · 40 employees
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.
Fliar Intelligence Index™ 45how this company ranks against its industry peers
Growth
top 28%Funding
top 33%Tech
bottom 49%Market
bottom 33%Global
bottom 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) · Last round Conventional Debt (Apr 2026)
Tech: 35 technologies across 3/8 capability areas · Cloud: Azure, Cloudflare · Security: Hsts, Sectigo
Audience (LinkedIn): 2k LinkedIn followers
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Experienced Bilingual Collections Specialist (Spanish/English)
Funding rounds
- Apr 2026Conventional Debt$20M
- May 2024Conventional Debt$27M
- Sep 2021Conventional Debt$30M
- May 2021PE—
Investors
Atalaya Capital Management
Tech stack
Apache Http ServerAstraAzureAzure MonitorBootstrapBootstrap Icons
#12
Acquired · Miami, Florida · founded 2006 · 155 employees$469.9Mraised▾
Acquired · Miami, Florida · founded 2006 · 155 employees
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.
Fliar Intelligence Index™ 74how this company ranks against its industry peers
Funding
top 20%Tech
top 31%Talent
top 31%Growth
top 35%Fin. health
top 35%Partners
top 37%Funding: Raised $470M across 8 rounds · 8 rounds over 2 yrs (4.0/yr) · Last round Conventional Debt (Oct 2025)
Tech: 46 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon Web Services · Devops: Nginx
Talent: 3 named leaders on record · 3 C-suite/founder profiles curated · 3 leadership moves in 12 mo
Funding rounds
- Oct 2025Conventional Debt$388M
- May 2025Unattributed$13.3M
- Apr 2025Unattributed$8.8M
- Mar 2025Unattributed$2M
Founders & team
Investors
Ares Management
Tech stack
Amazon AlbAmazon Web ServicesAngularAnime.JsApple Icloud MailAzure
Funding & investor landscape
$56.4Btotal disclosed funding
828companies funded
2,491disclosed rounds
14rounds last 90 days
Most active investors
Notable founders
Ignacio Pubul
Co-Founder · Capchase
Luis Marques
Co-Founder · Capchase
Portman Wills
Co-Founder · Stream
Peter Briffett
Co-Founder & CEO · Stream
Jonathan De Wolff
Co-Founder & Chief Sustainability Officer · inKind
Johann Moonesinghe
Co-Founder & CEO · inKind
Sahill Poddar
Co-Founder & CEO · Parafin
Josh Mangel
Co-Founder · Pipe
Zain Allarakhia
Co-Founder & CTO · Pipe
Matt Wierman
Co-Founder and EVP · Upgrade
Adelina Grozdanova
Co-Founder · Upgrade
Victor J Pacheco
Co-Founder & CIO · LendingPoint
Prism market signals · United States · country-scoped Prism corpus, 12,321,951 docs
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
How many Alternative Lending companies are there in United States?
Radar tracks 2540 indexable Alternative Lending companies headquartered in United States that meet our profile-completeness bar.
What is the total funding raised by Alternative Lending companies in United States?
The Alternative Lending companies in United States on this list have raised a combined $56.4B in disclosed equity funding across 828 funded companies.
Which is the highest-funded Alternative Lending company in United States?
SoFi is the highest-funded Alternative Lending company in United States, with $3B in disclosed equity funding.
How many Alternative Lending companies in United States are funded?
828 of the 2540 Alternative Lending companies in United States on this list have disclosed at least one equity funding round.
How many Alternative Lending unicorns are there in United States?
24 Alternative Lending companies in United States on this list are valued at $1B or more.
Who are the top investors in United States Alternative Lending companies?
The most active investors in United States Alternative Lending companies on this list include Y Combinator, Techstars, Village Capital, SVB, Gaingels.
Riya SenguptaFinancials
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.