Best Consumer and SME Loans Companies in United States
The 1868 best Consumer and SME Loans companies in United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Hilltop Securities.
Finding the strongest-funded players in Consumer and SME Loans across the United States is exactly what this directory does, ranking 1,868 tracked companies by disclosed equity funding and recent momentum. Total disclosed funding across the sector hits $20.6B, and the revenue picture is sharper than you might expect.
Nineteen filers show a combined revenue pool of roughly $2.7B, with a median around $33M. Nationstar Mortgage leads that group at $789M, while Credit Acceptance Corp pulls $580M and, more tellingly, books $136M in net income, nine times the sector median of $16M. EzCorp is the growth story, up 19% YoY to $382M. The market itself is forecast to expand at a 13.4% CAGR through 2030, driven by unbanked populations and smartphone-era lending infrastructure. And as shown in 2015 research on financial inclusion, access gaps in SME credit remain stubbornly persistent, which is precisely where this sector keeps finding new demand. I'd watch eCapital ($470M in disclosed funding) and Hilltop Securities ($5.0B) as the headline names here. Median install growth of 19% YoY across consumer finance apps tells you the distribution layer is moving fast too. So if you're mapping capital concentration in this space, the funding and revenue signals are pointing the same direction.
- ResearchAndMarkets.com
Ranked: Best Consumer and SME Loans companies in United States
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Market signals (1y) | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Hilltop Securities Provider of clearing, wealth management and securities lending services | $5.0B | 16 mo ago | 1,745 | Brad Winges President & Chief Executive Officer | CloudflareImpervaHSTS+2 | 4 signals Announcements | — | 1 partnership |
| 2 | Mercedes-Benz Financial Services Financial services for Mercedes-Benz vehicles: financing, leasing, insurance, and credit | $1.5B | 111 mo ago | 663 663 → 1,136 (+71%) · sector median +57% | Ola Kaellenius CEO | WordPressMySQLPHP+11 | 3 signals ▲50% Hiring · Contracts | — | 3 job openings · 1 launch |
| 3 | CoreVest American Finance Lender Provider of finance for residential real estate investors | $1.2B | 95 mo ago | — | Beth OBrien Founder & CEO | WordPressMySQLPHP+29 | — | — | 4 job openings |
| 4 | Marine One Provider of vehicle loans | $671M | 32 mo ago | 20 | Jared Morris CEO | Apple iCloud MailMicrosoft 365Google Maps+25 | — | — | — |
| 5 | Balboa Capital Provider of loan financing to Small Businesses | $660M | 60 mo ago | 210 210 → 198 (-6%) · sector median +57% | Patrick Byrne CEO | WordPress Block EditorWordPressMySQL+19 | — | — | — |
| 6 | Preston Hollow Capital Provider of working capital loans services | $510M | 45 mo ago | 43 | — | — | — | — | — |
| 7 | Builderscapital Provider of construction financing solutions for residential projects. | $500M | 67 mo ago | 162 | Curt Altig Founder & Chairman | WebflowApple iCloud MailGSAP+15 | — | — | 1 job opening |
| 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 | 155 | Marius Silvasan Co-CEO | WordPressApple iCloud MailMicrosoft 365+26 | 5 signals Leadership · Announcements | — | — |
| 9 | Above Lending Provider of a platform brokering and originating unsecured consumer installment loans 37Funding top 25%Growth top 45%Tech top 49%Market bottom 34% All 5 signals ▾Fundingtop 25% Growthtop 45% Techtop 49% Marketbottom 34% Globalbottom 32% Funding: Raised $420M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 37/100 | $420M | 31 mo ago | 44 44 → 104 (+136%) · sector median +57% | — | RubyTailwind CSSRuby on Rails+15 | — | — | — |
| 10 | CrossCountry Mortgage Provider of home loan services | $400M | 54 mo ago | 2,453 | Ron Leonhardt Founder & CEO | WordPressApple iCloud MailMySQL+34 | 4 signals M&A | — | 1 internship |
| 11 | Tala Provider of a platform offering credit and digital financial services | $350M | 14 mo ago | 738 | Shivani Siroya Founder & CEO | WordPressApple iCloud MailGoogle Workspace+26 | — | — | 2 partnerships · 1 award |
| 12 | SLR Equipment Finance Provider of term, commercial equipment, and other financing services | $350M | 27 mo ago | — | Thomas Casey Chief Executive Officer | — | — | — | — |
| 13 | A10 Capital Nationwide non-recourse commercial real estate lender providing bridge and permanent financing | $311M | 44 mo ago | 50 50 → 66 (+32%) · sector median +57% | — | — | — | — | 1 launch |
| 14 | Dext Capital Provider of equipment financing solutions for vendors and medical providers | $300M | 19 mo ago | 92 | Kyin Lok CEO & Founder | WordPressMySQLPHP+19 | — | — | 1 job opening |
| 15 | Calumet Capital Provider of financial advisors services | $300M | 52 mo ago | — | Dan Carroll CEO | — | — | — | — |
| 16 | PosiGen Provider of solar panel energy solution for enterprises 64Innovation top 20%Funding top 22%Product top 29%News top 30% All 10 signals ▾Innovationtop 20% Fundingtop 22% Producttop 29% Newstop 30% Techtop 35% Moattop 39% Markettop 44% Talentbottom 49% Globalbottom 43% Growthbottom 35% Innovation: 9 product lines Funding: Raised $280M across 13 rounds · 13 rounds over 12 yrs (1.1/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $280M | 25 mo ago | 600 | Thomas Neyhart Founder & Executive Chairman | HubSpot CMS HubApple iCloud MailGoogle Workspace+30 | 4 signals Layoffs | — | — |
| 17 | North Mill Equipment Finance Asset backed loans | $230M | 6 mo ago | 110 110 → 141 (+28%) · sector median +57% | — | WordPressMySQLPHP+26 | 4 signals Leadership · Acquisition · Earnings | — | 1 internship |
| 18 | Change Home Mortgage Provider of home loan services | $211M | 50 mo ago | 551 | — | WebflowSalesforcecore-js+17 | — | — | — |
| 19 | New Mountain Finance Corporation Provider of SMEs loans | $200M | 43 mo ago | — | Robert Hamwee CEO | BootstrapApache HTTP ServerKlaro+10 | 3 signals ▼25% Buyback | — | — |
| 20 | High Rise Financial Provides lawsuit, personal injury, and other loan services | $150M | 17 mo ago | 34 | — | WordPressMySQLPHP+17 | — | — | — |
| 21 | Gracie Point Global specialty insurance finance company serving the affluent market | $125M | 3 mo ago | 5 | — | — | — | — | — |
| 22 | Emerald Creek Capital Bridge loans provider | $110M | 32 mo ago | — | Mark Bahiri Co-Founder | — | — | — | — |
| 23 | Merchants Capital Home loans provider | $106M | 18 mo ago | 243 | — | WordPress Block EditorElementorWordPress+29 | — | — | 2 job openings · 1 internship |
| 24 | Octane Online marketplace for automobile financing | $102M | 0 mo ago | 178 | André Gregori Co-Founder & Head of Dealer Products | Headless UIstyled-componentsReact+17 | 14 signals Funding · Acquisition · Capital raise | 4 patents Patents concentrated in computing, sensing & instrumentation | — |
| 25 | Parabilis Provider of working capital loans | $100M | 33 mo ago | 31 | Edward Bersoff Founder & Chairman | — | — | — | — |
| 26 | Legacy Corporate Lending Provider of credit and term loans lending services | $100M | 31 mo ago | 4 | Clark Griffith Co-Founder & CEO | WordPressMySQLPHP+25 | — | — | — |
| 27 | 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 | 40 | — | WordPressMySQLPHP+22 | — | — | — |
| 28 | Libertas Funding Provider of short-term, revenue-based financing to small and medium-sized businesses | $75M | 14 mo ago | 84 | Randy Saluck CEO | SanityApple iCloud MailMicrosoft 365+20 | 6 signals Leadership · Funding | — | — |
| 29 | Neighborhood Finance Corporation Homes loans provider | $73M | 11 mo ago | — | — | PHPApache HTTP ServerCloudflare+14 | — | — | 1 partnership |
| 30 | Cinnaire Provider of working capital loans | $55M | 27 mo ago | 3 | — | WordPressApple iCloud MailMySQL+26 | — | — | 1 partnership · 1 award |
| 31 | SAFCO Auto loans provider | $50M | 28 mo ago | 122 | George Fussell Founder & CEO | WordPressMySQLPHP+24 | — | — | — |
| 32 | BluePath Finance Owner and operator of sustainable infrastructure funding distributed energy projects | $47M | 3 mo ago | 22 | Warren Jones CEO | — | — | — | — |
| 33 | Horsepower Financial Provider of motorcycle loans | $40M | 2 mo ago | 13 | Chris Garrido CEO | PHPDebugBarUbuntuBootstrap+23 | — | — | — |
| 34 | The Change Company Provider of diversified SME loans | $40M | 23 mo ago | 54 | — | WebflowMatomo AnalyticsLinkedin Insight Tag+14 | — | 36 patents Automated beverage formulation, carbonation, and fluid handling systems for packaging and dispensing | — |
| 35 | Uncaged Capital Provider of commercial real estate financing solutions | $40M | 26 mo ago | — | James McDonoug Managing Director | — | — | — | — |
| 36 | Zippy Provider of lending and insurance services for manufactured home ownership | $35M | 6 mo ago | 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 |
| 37 | Finova Capital Online platform for business loans | $30M | 26 mo ago | 20 | Bob Neagle President and CEO | WordPressMySQLPHP+21 | — | — | 1 partnership |
| 38 | Beeline Provider of loan products for residential and commercial real estate investors | $29M | 24 mo ago | 67 | Peter Gonzalez Co-Founder & President | PrismicTurbopackSentry+29 | — | 8 patents Retail merchandising hardware: display racks, product pushers, wax containers, and measurement systems. | 1 job opening |
| 39 | Lendistry Small business loans provider | $21M | 6 mo ago | — | Everett Sands CEO | WordPressSentryApple iCloud Mail+30 | — | — | 1 internship |
| 40 | Strike Acceptance Provider of consumer auto loans | $21M | 14 mo ago | 21 | Steve Singh Founder & President | SentryApple iCloud MailMicrosoft 365+17 | — | — | 1 job opening · 1 internship |
| 41 | Clearinghouse CDFI Diversified lending NBFI | $21M | 10 mo ago | 43 43 → 72 (+67%) · sector median +57% | — | WordPressMySQLPHP+13 | — | — | 1 internship · 1 award |
| 42 | ECDI Provider of business loans | $15M | 8 mo ago | 108 | Inna Kinney Founder & CEO | Wix eCommerceWixSentry+15 | — | — | — |
| 43 | LM Funding Provider of capital to community associations and digital asset mining operations 35Product top 14%News top 31%Innovation top 32%Patents top 35% All 11 signals ▾Producttop 14% Newstop 31% Innovationtop 32% Patentstop 35% Growthtop 40% Fundingtop 42% Moatbottom 49% Fin. healthbottom 43% Globalbottom 40% Techbottom 26% Marketbottom 24% Product: 8 distinct product lines · Company stage: Public News: 9 BI events in 12 mo (of 23 tracked, 8 types) · +0% YoY rank vs industry peers · Fliar Intelligence Index 35/100 | $13M | 10 mo ago | 8 | — | BootstrapApache HTTP ServerjQuery+7 | 9 signals Earnings · Announcements · Capital raise | 16 patents Automated brewing and spirit aging systems with integrated recipe UI and control technology | — |
| 44 | Highway Benefits Provider of cooperative education loan | $6M | 14 mo ago | 8 | Michael MacLaverty Co-Founder | — | — | — | — |
| 45 | Partner Community Capital Platform for small business loans | $6M | 8 mo ago | 24 24 → 39 (+62%) · sector median +57% | — | WordPressMySQLPHP+24 | — | — | 1 job opening · 1 award |
| 46 | Sungage Financial Provider of solar financing services | $5M | 11 mo ago | 71 71 → 108 (+52%) · sector median +57% | Sylvain Mansier Co-Founder & President | WebflowApple iCloud MailGoogle Workspace+19 | — | — | 1 job opening · 1 partnership |
| 47 | MMCDC Just a moment... | $4M | 16 mo ago | 15 | — | WordPressMySQLPHP+21 | — | — | — |
| 48 | Button Finance Provider of home equity loans and home equity lines of credit | $2M | 12 mo ago | 8 | Jason Harris Co-Founder & CEO | WordPressMySQLPHP+28 | — | — | — |
| 49 | Lorien Finance Provider of a cross-border fintech platform offering education loans to students | $2M | 15 mo ago | 18 | Nikhil Mudgal Founder & CEO | TurbopackEmotionNode.js+24 | — | — | — |
| 50 | Coral Provider of tailored financing solutions for sustainable home electrification upgrades | $150K | 3 mo ago | 3 | Nizar Dhamani Co-Founder & CTO | — | — | 43 patents Automated precise nail polish dispensing and curing technology for manicure applications | 1 job opening |
Top 12 Consumer and SME Loans companies in United States
#1
Series F · New York City, New York · founded 2014 · 178 employees$102Mraised▾
Online marketplace for automobile financing. It offers a platform connecting consumers with lenders and credit institutions for automobile financing. It provides loans with customized terms, amounts, and repayment options for two-wheelers, ATVs, and Mowers.
- May 2026Conventional Debt$350M
- Nov 2025Series F$57.2M
- Aug 2025Series E$24.5M
- Aug 2024Series E$50M
#2
Funding Raised · Los Angeles, California · founded 2002 · 40 employees$77Mraised▾
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.
- Apr 2026Conventional Debt$20M
- May 2024Conventional Debt$27M
- Sep 2021Conventional Debt$30M
- May 2021PE—
#3
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
#4
Funding Raised · Dallas, Texas · founded 2014 · 1745 employees$5Braised▾
Provider of clearing, wealth management and securities lending services
- Jan 2025Conventional Debt$25.1M
- Mar 2021Conventional Debt$1.1B
- Dec 2019Conventional Debt$3.9B
#5
Series E · New York City, New York · founded 2010 · 5 employees$125Mraised▾
Global specialty insurance finance company serving the affluent market. It provides competitive insurance finance loans, focusing on the global affluent market. With a leadership team experienced in insurance, specialty lending, structured finance, and capital markets, the company is positioned for aggressive global expansion. The company operates in the B2B space, offering financial services to support the insurance needs of high-net-worth individuals. It provides a financial solution within the insurance industry, facilitating access to insurance products for a specific market segment.
- Feb 2026Conventional Debt$250M
- Feb 2025Series E—
- Sep 2021Series D$75M
- Jan 2020Series C$50M
#6
Acquired · Norwalk, Connecticut · founded 2012 · 110 employees$230Mraised▾
Asset backed loans
- Nov 2025Conventional Debt$30M
- Mar 2021Conventional Debt$25M
- Dec 2020Conventional Debt$125M
- Dec 2020Conventional Debt$50M
#7
Series D · San Francisco, California · founded 2012 · 22 employees$47.3Mraised▾
Owner and operator of sustainable infrastructure funding distributed energy projects. This includes distributed and community solar, behind-the-meter batteries, microgrids, and EV infrastructure. The company partners with engineering groups to source, construct, and maintain projects, while it funds, owns, and operates them. Funding is provided through various financial structures, including power purchase agreements and energy-as-a-service models. The company also provides debt financing for energy transition projects.
- Mar 2026Series D—
- Dec 2025Series D$75M
- Aug 2022Series C$10M
- Apr 2021Series C$25M
#8
Funding Raised · Bradenton, Florida · founded 2009 · 13 employees$40Mraised▾
Provider of motorcycle loans
- Apr 2026Conventional Debt—
- Mar 2022Conventional Debt$40M
#9
Series E · Santa Monica, California · founded 2011 · 738 employees$350Mraised▾
Provider of a platform offering credit and digital financial services. Its personalized credit platform harnesses machine learning models trained on billions of proprietary data points from over a decade of customer relationships to underwrite millions of customers who have never interacted with the formal banking system. It is the first and only platform to combine the intelligence of a credit bureau, the payments execution of a fintech and the relationship expertise of a bank into one integrated solution. It has built a plug-and-play banking solution that has the potential to serve any person in any country.
- Mar 2025Conventional Debt$150M
- Oct 2021Conventional Debt$40M
- Oct 2021Series E$145M
- Aug 2019Series D$110M
#10
Series B · Beaverton, Oregon · founded 2021 · 62 employees$35.1Mraised▾
Provider of lending and insurance services for manufactured home ownership. The company offers loan origination and servicing for manufactured homes. Additionally, it functions as an insurance agent providing homeowners’ insurance policies. The organization operates multiple subsidiaries, each managed with its own governance structure. These subsidiaries include a technology company providing software solutions.
- Dec 2025Series B$19M
- Sep 2024Series B$19.6M
- Jul 2023Series A—
- Feb 2023Series A—
#11
Series B · Orange, California · founded 2014$21.5Mraised▾
Small business loans provider
- Dec 2025Conventional Debt$100M
- Oct 2025Conventional Debt$75M
- Sep 2025Series B$5M
- May 2025Conventional Debt—
#12
Funding Raised · Des Moines, Iowa · founded 2002$73.5Mraised▾
Homes loans provider
- Jul 2025Conventional Debt$2M
- Dec 2022Conventional Debt$21.8M
- Dec 2020Conventional Debt$680K
- Mar 2019Conventional Debt$15M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Consumer and SME Loans 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.