Direct business lenders

Providers that directly fund business financing, with products and terms confirmed in each profile. 292 direct business lenders across the US and Canada, typically lending Varies by lender and product. Last checked Nov 1, 2026.

lenders: 292
loan officers: 0
verified: 0
places: 63

How direct business lenders lend and what they look for

Direct business lenders fund financing themselves. Some also arrange financing through other providers; those firms are identified as brokers and lenders. Review each provider's published products and ask who will fund your particular transaction.

Verified first, then claimed, then listed. Rank is never sold.How sorting works

Access Plus CapitalListed

Access Plus Capital serves Central California with startup and established-business loans. Its program pages publish different credit thresholds, so the startup and microloan criteria should be compared separately.

Direct business lendersStartup fundingEquipment financingUnclaimed

Fresno, CA

Listedfrom public recordsFresno, CA

Access to Capital for EntrepreneursListed

ACE provides Georgia businesses with microloans and larger commercial loans, alongside business advice. Its current standard programs require two years of operations.

Direct business lendersTerm loansWorking capital loansUnclaimed

Cleveland, GA

Listedfrom public recordsCleveland, GA

AccessityListed

Accessity provides term loans for Southern California startups and expanding businesses. Product limits and terms on its current loan page are broader than some older brochures.

Direct business lendersTerm loansStartup fundingUnclaimed

San Diego, CA

Listedfrom public recordsSan Diego, CA

Accompany CapitalListed

Accompany Capital offers New York City business loans alongside acquisition-transition support and resources for immigrant and refugee entrepreneurs.

Direct business lendersWorking capital loansStartup fundingUnclaimed

New York, NY

Listedfrom public recordsNew York, NY

Action Capital CorporationListed

Action Capital Corporation provides receivables-based working capital and ledgered lines, including specialized government-contract receivable and earned-but-unbilled finance.

Direct business lendersInvoice factoringAsset based lendingUnclaimed

Atlanta, GA

Listedfrom public recordsAtlanta, GA

Addison County Economic Development CorporationListed

Addison County Economic Development Corporation provides fixed-rate gap loans for Addison County business startups, expansion, equipment, facilities and long-term working capital.

Direct business lendersTerm loansWorking capital loansUnclaimed

Middlebury, VT

Listedfrom public recordsMiddlebury, VT

Advantage+Listed

Advantage+ is a U.S. direct equipment lender serving business buyers and equipment vendors. It offers fixed-term financing for equipment and related acquisition costs.

Direct business lendersTerm loansEquipment financingUnclaimed

Brookfield, WI

Listedfrom public recordsBrookfield, WI

Aegis Business CreditListed

Aegis Business Credit provides asset-backed working capital and property-secured capital for companies outside conventional bank financing, including government contractors.

Direct business lendersAsset based lendingWorking capital loansUnclaimed

Tampa, FL

Listedfrom public recordsTampa, FL

African Economic Development SolutionsListed

African Economic Development Solutions provides startup and expansion capital alongside business training. Its menu also includes Sharia-compliant financing for business assets.

Direct business lendersTerm loansWorking capital loansUnclaimed

St Paul, MN

Listedfrom public recordsSt Paul, MN

Akaitcho Business Development CorporationListed

Akaitcho Business Development Corporation provides repayable business loans to residents of Yellowknife, N’Dilo and Dettah. It also administers dedicated loan programs for Indigenous women entrepreneurs.

Direct business lendersTerm loansStartup fundingUnclaimed

N’dilo, NT

Listedfrom public recordsN’dilo, NT

Alaska Growth CapitalListed

Alaska Growth Capital provides SBA and USDA-backed business finance for Alaska and selected northwestern markets, including borrowers with limited collateral but adequate cash flow.

Direct business lendersTerm loansWorking capital loansUnclaimed

Anchorage, AK

Listedfrom public recordsAnchorage, AK

Alaska Industrial Development and Export AuthorityListed

Alaska Industrial Development and Export Authority supports Alaska business projects through bank-originated loan participations and separate rural business loan programs.

Direct business lendersTerm loansWorking capital loansUnclaimed

Anchorage, AK

Listedfrom public recordsAnchorage, AK

Alberta Indian Investment CorporationListed

AIIC lends to eligible First Nations entrepreneurs in Alberta for startups, acquisitions and expansion. A separate grant program can supplement a loan and applicant equity.

Direct business lendersEquipment financingWorking capital loansUnclaimed

Enoch, AB

Listedfrom public recordsEnoch, AB

Alberta Women EntrepreneursListed

AWE provides repayable business financing for women who majority-own Alberta businesses, including market-ready startups. Its application process includes planning and financial review.

Direct business lendersTerm loansEquipment financingUnclaimed

Edmonton, AB

Listedfrom public recordsEdmonton, AB

All Nations Trust CompanyListed

ANTCO builds financing packages for Indigenous entrepreneurs and communities within its British Columbia service area. Packages may combine commercial loans with separately qualified grant or principal contributions.

Direct business lendersTerm loansStartup fundingUnclaimed

Kamloops, BC

Listedfrom public recordsKamloops, BC

Allies for Community BusinessListed

Allies for Community Business lends to Illinois and Indiana entrepreneurs and pairs capital with coaching. It assesses debt management and cash flow rather than using a credit-score cutoff.

Direct business lendersTerm loansBusiness lines of creditUnclaimed

Chicago, IL

Listedfrom public recordsChicago, IL

Alpha FinanceListed

Alpha Finance Corporation is a New Jersey direct lender specializing in heavy- and medium-duty truck purchases. Its programs consider first-time buyers and borrowers with previous credit difficulties.

Direct business lendersTerm loansEquipment financingUnclaimed

Monmouth Junction, NJ

Listedfrom public recordsMonmouth Junction, NJ

Altura Community Consulting & Business FinanceListed

Altura Community Consulting & Business Finance administers SBA 504 and revolving-fund loans for eligible Idaho businesses, often alongside a bank lender.

Direct business lendersSBA 504 loansCommercial real estate loansUnclaimed

Rexburg, ID

Listedfrom public recordsRexburg, ID

Amerisource Business CapitalListed

Amerisource Business Capital is an independent direct lender for small and lower-middle-market companies. It provides asset-based and cash-flow credit for growth, acquisitions, restructuring and special situations.

Direct business lendersAsset based lendingBusiness acquisition loansUnclaimed

Houston, TX

Listedfrom public recordsHouston, TX

AscendusListed

Ascendus provides nonprofit business lending with explicit product costs and a local-partner referral requirement. A term loan and revolving credit line serve different cash needs.

Direct business lendersTerm loansBusiness lines of creditUnclaimed

New York, NY

Listedfrom public recordsNew York, NY

Assumption LifeListed

Assumption Life provides commercial mortgages for Atlantic Canadian multifamily, office and retail property, with fixed closed terms and lending based on property value.

Direct business lendersCommercial real estate loansUnclaimed

Moncton, NB

Listedfrom public recordsMoncton, NB

Atuqtuarvik CorporationListed

Atuqtuarvik Corporation finances eligible Inuit-owned businesses and Nunavut-based projects. Its focus includes business expansion, company acquisitions and entrepreneurial development with benefits for Inuit.

Direct business lendersBusiness acquisition loansStartup fundingUnclaimed

Rankin Inlet, NU

Listedfrom public recordsRankin Inlet, NU

Austin Financial ServicesListed

Austin Financial Services provides asset-based working capital for established companies, including growth, acquisition and turnaround situations. Its published facility and revenue ranges place it above typical microbusiness financing.

Direct business lendersAsset based lendingWorking capital loansUnclaimed

Los Angeles, CA

Listedfrom public recordsLos Angeles, CA

Auxilior Capital PartnersListed

Auxilior Capital Partners finances franchise growth, equipment deployment, remodels and acquisitions, including tailored programs for franchisors and manufacturers.

Direct business lendersFranchise financingEquipment financingUnclaimed

Plymouth Meeting, PA

Listedfrom public recordsPlymouth Meeting, PA

What does a direct business lender look for?

Requirements vary by provider and product. Confirm eligibility, repayment terms and required documents directly with the lender.

How fast does a direct business lender fund?

Funding timelines vary. Ask the lender for a timeline for your specific application.

How does a lender get on the register?

Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.

How many direct business lenders are on the register?

The register lists 292 direct business lenders and 0 loan officers who work at them. Any lender can claim its entry and correct its details.