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Working capital lenders

Online lenders and banks lend it. They look at deposits, revenue consistency and time in business. 778 lenders offer working capital loans across the US and Canada, usually from $5k to $2M. Last checked Nov 1, 2026.

lenders
778
loan officers
62
verified
15
places
61

Who lends it and what they look for

Online lenders, fintech platforms and banks make working capital loans to cover payroll, inventory and the gap before customers pay. Online lenders decide from your bank data in a day or two and accept younger businesses; banks take longer and price lower once you have two years of returns. Every lender reads the same signals: steady monthly deposits, few overdrafts, consistent revenue and how many months you have been operating. Bring three to six months of bank statements to the first call.

Read the guide: Emergency capital: the fastest lenders and what speed costs4 min
Verified first, then claimed, then listed. Rank is never sold.How sorting works
BF
Bank Five NineLevr partner
Bank Five Nine: Full-service community bank in Southeast WI since 1859.
Banks
Oconomowoc, WI
Clearco logo
ClearcoLevr partner
Clearco: World's largest e-commerce investor offering equity-free capital solutions and real-time support for business scaling.
Revenue based fundersWorking capital loansRevenue based financing
Toronto, ON
Dare Capital logo
Dare CapitalLevr partner
Dare Capital is a Texas-based financial partner with over 60 years of combined experience, specializing in receivables financing, asset-based lending, and white-label backroom services.
Factoring companiesWorking capital loansInvoice factoring
Austin, TX
Drip Capital logo
Drip CapitalLevr partner
Drip Capital is a global trade tech company offering collateral-free post-shipment finance to SMBs, revolutionizing the traditional trade finance industry with fast approvals and high credit limits.
Factoring companiesInvoice factoringWorking capital loans
Sunnyvale, CA
Driven logo
DrivenLevr partner
Driven specializes in providing fast and accessible online business loans and financing solutions for small businesses across Canada, offering amounts ranging from $500 to $300,000 to help them unlock necessary capital.
Online lendersWorking capital loansCanada Small Business Financing Program
Toronto, ON
FC
Firepower CapitalLevr partner
Firepower Capital is a leading investment bank in Canada, providing M&A advisory and private capital financing to support mid-market entrepreneurs.
Fintech lending platforms
Toronto, ON
Fora Financial logo
Fora FinancialLevr partner
Fora Financial offers lump-sum business loans and a separate revenue advance with payments linked to sales. Compare the legal structure, total cost and payment mechanics of the actual offer.
Broker and lenderOnline lendersWorking capital loansTerm loans
New York, NY
Fundbox logo
FundboxLevr partner
Fundbox offers business credit through direct and embedded platform channels. Available terms can differ by channel, and a public product illustration is not a confirmed borrowing limit.
Online lendersBusiness lines of creditTerm loans
San Francisco, CA
FundThrough logo
FundThroughLevr partner
FundThrough purchases eligible business and government invoices. Compare its upfront cash, invoice-specific fees and recourse obligations with the amount and timing of cash your business needs.
Factoring companiesInvoice factoringWorking capital loans
Toronto, ON
Greenbox Capital logo
Greenbox CapitalLevr partner
Greenbox Capital is an alternative lender that provides small businesses with quick and easy access to working capital, promoting their success through responsible funding solutions.
Revenue based fundersWorking capital loansRevenue based financing
Miami, FL
Journey Capital logo
Journey CapitalLevr partner
Get on the path to success.
Online lendersWorking capital loansCanada Small Business Financing Program
Montréal, QC
Merchant Growth logo
Merchant GrowthLevr partner
Merchant Growth: Canada's fastest and friendliest alternative financier since 2009, offering quick access to working capital, term financing, and tailored e-commerce financing.
Online lendersWorking capital loansCanada Small Business Financing Program
Vancouver, BC
OnDeck logo
OnDeckLevr partner
OnDeck offers business term loans and revolving credit for operating businesses. Compare the repayment schedule, fees, security and early-payoff conditions on the specific product you are offered.
Online lendersBusiness lines of creditTerm loans
New York, NY
Taycor Financial logo
Taycor FinancialLevr partner
Taycor Financial offers equipment loans and leases, plus working-capital products. Its equipment application-only threshold is not a universal financing maximum; obtain a written quote for the specific program.
Equipment lessorsEquipment financingWorking capital loans
El Segundo, CA
TIMIA Capital logo
TIMIA CapitalLevr partner
TIMIA Capital is a specialty finance company that provides debt capital to recurring revenue technology businesses in exchange for a royalty stream on revenue.
Revenue based fundersWorking capital loansCanada Small Business Financing Program
Vancouver, BC
18 Wheel Funding logo
Freight factoring provider purchasing trucking invoices and offering same day advances, fuel cards, and bilingual account support.
Factoring companiesInvoice factoringWorking capital loansUnclaimed
Miami, FL
1S
1st Source Bank is a bank headquartered in South Bend, Indiana. Its June 30, 2026 FDIC financial report records commercial and industrial loans. Product availability and current lending criteria should be confirmed with the bank.
BanksUnclaimed
South Bend, IN
2M7 Financial Solutions logo
2M7 Financial Solutions is a Canadian financial company founded in 2008, specializing in Merchant Cash Advances.
Online lendersRevenue based financingCanada Small Business Financing ProgramUnclaimed
North York, ON
Access CDFI logo
Nonprofit community lender providing Nevada businesses with expansion loans, contract financing, microloans, and childcare financing alongside business assistance.
CDFIs and community lendersTerm loansWorking capital loansUnclaimed
Las Vegas, NV
Access Money Canada logo
Ottawa business lender offering working capital loans, merchant cash advances, invoice factoring and equipment financing to local small and medium businesses.
Broker and lenderFactoring companiesWorking capital loansRevenue based financingUnclaimed
Ottawa, ON
Access Plus Capital logo
Fresno community lender providing startup, equipment and working capital loans to Central California businesses, alongside coaching and support for underserved entrepreneurs.
Direct business lendersStartup fundingEquipment financingUnclaimed
Fresno, CA
Access to Capital for Entrepreneurs logo
Nonprofit Georgia lender providing small business loans for working capital, inventory, vehicles, and equipment alongside business coaching.
Direct business lendersTerm loansWorking capital loansUnclaimed
Cleveland, GA
Accessity logo
AccessityListed
San Diego community lender offering term loans for startups and expanding businesses across Southern California, with education and connections to business support resources.
Direct business lendersTerm loansStartup fundingUnclaimed
San Diego, CA
Accion Opportunity Fund logo
Accion Opportunity Fund provides expert guidance to help you make confident decisions in business funding and coaching.
CDFIs and community lendersWorking capital loansTerm loansUnclaimed
San Jose, CA

Who offers working capital loans?

Online lenders and fintech platforms for speed, banks and credit unions for price once you have two years of returns and steady profit.

What do working capital lenders look for?

Consistent monthly deposits, few overdrafts or negative days, revenue that covers the payment comfortably and enough months in business to show a pattern.

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 working capital lenders are on the register?

778 today, with 62 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.