Small Business Loans

A Peer-to-Peer (P2P) lending is the practice of lending money to businesses or individuals through online services that match lenders directly to borrowers. It involves borrowing money without going through a conventional lender such as a bank or financial institution. The money comes from investors who can be individuals or companies. Especially for small business loans, P2P lending a good way to get better returns as an investor or a lower interest rate as a borrower.

Here are some of the online platforms that provide best business loans and P2P lending services:

1

Lending Club

By LendingClub Corporation

Lending Club is the online credit marketplace, facilitating business loans, personal loans, and financing for elective medical procedures. Through Lending Club, borrowers can access to lower interest rate loans through the online or mobile interface and investors can get attractive returns. Whether it is a personal loan or business loan, borrowers can get instant quotes in minutes. They aimed at transforming the banking system into highly transparent and efficient marketplace, assisting people to achieve their financial goals every day.

2

Prosper

By Prosper Funding LLC

Prosper is a marketplace that provides person-to-person lending utilizing a listing and bidding process to get competitive rates for loans. It connects people who are looking to borrow money with people who are investors. They give low fixed rates without any of the hidden fees and red tape associated with other types of loans. The platform also allows people to invest in each other in a way that is financially and socially rewarding.

3

Sofi

By Social Finance, Inc.

Sofi is a modern finance company that offers low rates for student loan refinancing, mortgages, and personal loans. It offers benefits like career coaching, unemployment protection, and entrepreneur programs. While approving a loan, Sofi takes a number of dimensions into consideration like career experience, monthly income, financial history, education, etc. Whether people are looking for to refinance their student loans, build their dream home, or just seek advice, Sofi provides the best tools and products to match their ambitions.

4

Kabbage

By Kabbage Inc.

Kabbage is an online platform for merchants to borrow working capital. It can approve you the loan within minutes when they are able to automatically obtain your business data and instantly verify your bank account. The platform provides various types of loans that can be used to every small business use case and industry like online loans, working capital, peer-to-peer loan, business loan, professional loan, etc. In addition, it provides you with ongoing access to funds.

5

SpringLeaf

By Springleaf Finance, Inc.

Springleaf Finance Inc., through its subsidiary companies (Springleaf), is a provider of consumer credit. It offers secured and unsecured personal loans. They provide personal and auto loans for debt consolidation, household bills, home improvements, car purchases, vacations, In addition to its lending activities, Springleaf offers credit and non-credit insurance through subsidiary insurance companies.and other major purchases. In addition to its lending activities, Springleaf offers credit and non-credit insurance through subsidiary insurance companies.

6

Funding Circle

By Funding Circle Limited

Funding Circle is an online marketplace lender focused on lending to small businesses. It aims to help businesses struggling to access mainstream sources of finance while providing individual investors with a good return on their money. They use cutting-edge technology to match institutional and accredited investors with small businesses looking for finance to grow their businesses. In addition, they provide each applicant with a dedicated loan specialist to know and understand their financial needs.

7

Avant

By Avant, Inc.

Avant is a platform that offers access to personal loans at competitive interest rates with a quick and transparent process that is entirely online. Whether it is a home improvement or major expense, it gives personal loans that fit your needs. The benefits with Avant are: the payments are reported to the major credit bureaus, which help to enhance your FICO score with timely payments, no origination fees, and a 24/7 support to assist your questions regarding loans.

8

Upstart

By Upstart Network, Inc.

Upstart is an online lending platform that finances people based on signals of their potential including work history, academic performance, the area of study, etc. The platform offers lower interest rates, no prepayment penalty, quick and easy, and secure process. It provides 3-year fixed interest loans. Funds can be used for almost anything, including paying for a coding boot camp, starting a business, eliminating student debt, or even paying off credit cards and medical bills.

9

Zopa

By Zopa Limited

Zopa is a peer-to-peer lending service. They offer borrowers competitive low rate loans by matching them to our lenders who get a great return by cutting out the banks. Borrowers pay the borrowing fee only when their loan application is approved. The borrowing fee is added to the loan amount and always included in all their APR quotations. It offers benefits like one fixed monthly payment, low rates, no early repayment fees, and much more.

10

Earnest

By Earnest Operations LLC

Earnest is a technology-enabled lender that rewards financially responsible people with better interest rates. In order to give credit, they evaluate a person’s full education, employment, and financial profile. They use data-intensive modern technology to get a much better understanding of each client's background, financial picture, and future potential during their lending process. In addition, they have created an online dashboard that gives clients the tools to easily control and customize their loan payments.

11

Ondeck

By On Deck Capital, Inc.

Ondeck is a technology-enabled financial platform that provides loan financing to small and medium-sized businesses. The platform uses data aggregation and electronic payment technology to analyze the financial health of small businesses, allowing them to access the capital they need to grow. They also ensure the security and privacy of their small business customer’s information and providing transparent disclosure of how borrower information is used.

12

Fundbox

By Fundbox ltd

Fundbox is a technology company that helps small business owners and freelancers overcome short-term cash flow gaps by advancing payments for their outstanding invoices. For example, if you have outstanding invoices, it will advance 100% of your payment. With Fundbox, business owners can streamline their cash flow,grow their business within their business means, etc. Built on a robust solution, Funbox is based on bleeding-edge technology that will help you grow your business.

13

Credible

By Credible Labs Inc.

Credible is the multi-place market lender that allows borrowers to receive competitive loan offers from its vetted partners. Borrowers can compare personalized offers from multiple lenders without sharing their personal information or even impacting their credit score. It powers student loan, student loan refinancing, & personal loan offerings. Students and graduates can receive and compare personalized offers from numerous lenders and choose which best serves their individual needs.

14

Peerform

By Peerform, Inc.

Peerform is a peer-to-peer lending platform by offering personal loans directly by cutting the middle man. They provide borrowers with a positive experience when obtaining personal loans that are fast, clear, and fair. With Peerform, borrowers create listings for a fixed-rate personal loan and are then funded by Investors who chose their target return and build their portfolios. It offers a wide range of benefits from customized personalized loans and fixed rates to easy monthly payments.

15

Mintos

By Mintos Marketplace, AS

Mintos is a peer-to-peer lending marketplace that connects investors with borrowers of various loan originators. At Mintos, both retail and institutional investors can invest in a fraction of loans across Europe. It offers mortgage loans, personal loans, small business loans, and secured car loans. Both entities and individuals can invest through Mintos. Loan originators by connecting through the platform get an instant access to investors that are looking to purchase loans.

16

BlueVine

By Bluevine Capital Inc.

BlueVine is an online provider of working capital financing to small businesses. They offer financing through their business line of credit or invoice factoring products. It offers benefits such as speed, transparency, flexibility, and personal service to all the users. BlueVine bridges the cash gap which happens due to slow paying customers by enabling businesses to sell their unpaid invoices. It makes business financing fast, transparent, and simple so that users can spend their time by growing their business.

17

Lending Work

By Lending Works Limited

Lending Work is a peer-to-peer lending platform that matches shrewd lenders with creditworthy with personal loan borrowers. It offers borrowers great benefits like lower rates, pay out a loan within 2 working days, flexible monthly payments, early repayment without fee or charge, and much more. The advantage of borrowing with Lending Work is that users can receive a free personalized loan quote without any impact on their credit score.

18

MarketInvoice

By MarketInvoice Limited

MarketInvoice is peer-to-peer invoice finance platform. It is simple and easy to use web-based application. The platform allows small and medium-sized businesses who have outstanding invoices to trade these with institutional investors online. Investors advance cash against these future payments for a fee. Despite the fact that the platform is a marketplace it can handle a range of receivables. It has no minimum or maximum on size; you can sell invoices with values as small you like.

19

IOU Financial

By IOU Financial Inc

IOU Financial is an online lender that provides working capital to small businesses. Their customers typically include medical and dental practices, retail and grocery stores e-commerce companies, and restaurant & hotel franchises. Through an innovative platform which connects to dozens of data sources, IOU Financial can aggregate and automatically process hundreds of data points on a business in seconds. Their automated application and approval system accurately assesses applicant’s financial realities, with an emphasis on day-to-day cash flow.

20

CAN Capital

By CAN Capital, Inc.

CAN Capital provides capital to small and medium-sized businesses, using its own real-time platform and risk-scoring models. Their cutting-edge technology, quick application, and approval processes, customer-focused delivery are great benefits to the users. It offers access to two business funding options for your small business to help finance your business needs: business loans and merchant cash advances. In addition, they offer TrakLoans, that are flexible and cash-flow friendly to access small business capital.

21

Iwoca

By iwoca Ltd

Iwoca is a finance provider for small business across the UK. That includes restaurants, hotels, retailers, service providers, and mor1e. Businesses use iwoca from bridging short-term cash flow gaps to investing in stock opportunities. Users are free to make early repayments at any point to save interest. iwoca offers a new type of credit facility for small businesses, allowing them to take advantage of opportunities previously only available to their larger peers.

22

Ezbob

By EZBob Ltd

Ezbob is a financial provider that offers an instant, innovative online financing solution for all the UK businesses to grow. It provides an instant financial solution for your immediate working capital needs such as inventory, marketing, and business expenditures. With ezbob, you can apply and receive at any hour of the day, from any internet connected device and use their funding for any purpose.

23

Smartbiz

By SmartBiz Loans, LLC.

Smartbiz is an online marketplace for fast, affordable SBA (Small Business Administration) loans for small business owners who want to grow their business.It leverages advanced technology to dramatically speed up the SBA loan process. With low-interest rates, affordable monthly payments, and long repayment loans, Smartbiz helps every small business to grow financially in a better way. Their fast and easy application process makes small business owners get an instant access to what they need financially.

24

Fundation

By Fundation Group LLC

Fundation is an online direct lender offering simple interest small business loans to companies through a technology-driven process. Their technology streamlines the small business loan application process by collecting third party data and automating the majority of the credit review process so that they can deliver funds to the user account as quickly as possible. Fundation’s customized small business loans ensure that you receive the most appropriate terms and payment options for your specific industry and company’s needs.

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