Best Business Funding Companies of 2026: Top 10 Ranked

#1BEST OVERALL · OUR TOP PICK

Deliver Funding

Funding from $10,000 to $5 million, with decisions in as little as 24 hours

Merchant cash advances, lines of credit, short-term loans and equipment financing
Pre-approval with no hard credit pull, and all credit types considered
Funds often arrive 24 to 48 hours after approval

Keep in mind: You need at least 6 months in business and about $10,000 in monthly revenue.

9.9★★★★★Exceptional

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Amount $10K–$5MSpeed 24–48 hrsTime in business 6 monthsRevenue $10K/moCredit All credit typesRead review →

#2TOP PICK

Truly Funding

Six ways to fund your business, backed by in-house investors

Lines of credit, merchant cash advances and term loans
Invoice factoring and equipment financing
Asset-based hard money loans for larger needs

Keep in mind: Amounts, rates and requirements are quoted after you apply.

9.8★★★★★Exceptional

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Amount By quoteSpeed Quick approvalsTime in business By quoteRevenue By quoteCredit By quote

#3TOP PICK

FC Advance

From $5,000 to $1 million, with approvals within hours

Merchant cash advances, term loans and lines of credit
Funds as soon as the next day, in all 50 states
No personal collateral and minimal paperwork

Keep in mind: Pricing and minimum requirements are shared after you apply.

9.7★★★★★Exceptional

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Amount $5K–$1MSpeed Next dayTime in business New or establishedRevenue By quoteCredit By quote

#4TOP PICK

Tier Funding

Funding as soon as the next business day, with good or bad credit

Unsecured lines of credit, working capital and equipment financing
A consolidation program for businesses with existing advances
No application fees, and rated 4.2 on Trustpilot

Keep in mind: Only 3 months in business needed, but you need $20,000 in monthly deposits.

9.7★★★★★Exceptional

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Amount By quoteSpeed Next business dayTime in business 3 monthsRevenue $20K/moCredit Good or bad

#5TOP PICK

Choice Capital Solutions

Term, SBA, bridge and real estate loans in one place

Funding as fast as 24 hours after approval
Soft credit pull to start, with no minimum score stated
Apply with an ID and three months of bank statements

Keep in mind: SBA and real estate loans need 2+ years in business and more paperwork.

9.6★★★★★Exceptional

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Amount By quoteSpeed 24 hrs after approvalTime in business 6 months (2 yrs SBA)Revenue Case by caseCredit Soft pull to start

#6Best for same-day funding

Forward Financing

Same-day approval and funding for qualified businesses

Advances from $5,000 to $500,000
Simple application and no prepayment penalty
Accepts credit scores as low as 500

Keep in mind: You need a full year in business, there is an origination fee, and payments are daily or weekly.

9.5★★★★★Exceptional

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Amount $5K–$500KSpeed Same dayTime in business 12 monthsRevenue $10K/moCredit 500+

#7Best for fast approval

Credibly

Approval in about four hours, with funding up to $600,000

Low 500 credit score minimum
Factor rates starting around 1.09 to 1.11
Discount if you pay off early

Keep in mind: There is a 2.5% underwriting fee and a $50 monthly admin fee, and you need $15,000 in monthly revenue.

9.4★★★★★Exceptional

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Amount $5K–$600KSpeed Same dayTime in business 6 monthsRevenue $15K/moCredit 500+

#8Best for comparing offers

Lendio

One application, offers from 75+ lenders

Cash advances, term loans, lines of credit and SBA loans
Open to businesses with 3 to 6 months of history
Funding as fast as 24 hours once you accept an offer

Keep in mind: Lendio is a marketplace, so rates and terms depend on the lender you choose.

8.7★★★★☆Excellent

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Amount Up to $5MSpeed As fast as 24 hrsTime in business 3–6 monthsRevenue $8K–$10K/moCredit 500+

#9Best for larger advances

Fora Financial

Advances up to $1.5 million with a prepayment discount

Factor rates starting around 1.10
More funding available after you repay 60%
Considers credit scores from 570

Keep in mind: There is a one-time processing fee, and you need about $20,000 in monthly revenue.

8.6★★★★☆Very good

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Amount $5K–$1.5MSpeed 24–72 hrsTime in business 6 monthsRevenue $20K/moCredit 570+

#10Best for low fees

Rapid Finance

No origination or prepayment fees on advances up to $500,000

Funding as fast as 24 hours
A full menu of products beyond cash advances
Apply with three months of bank statements

Keep in mind: Factor rates are not published, and payments are usually daily or weekly.

8.6★★★★☆Very good

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Amount Up to $500KSpeed As fast as 24 hrsTime in business VariesRevenue VariesCredit 550–600+

Compare all 10 at a glance

Figures are typical ranges reported by the companies and review sites. Your offer may differ.

Rank	Company	Score	Amount	Speed	Time in business	Credit
#1	Deliver Funding	9.9 / 10	$10K–$5M	24–48 hrs	6 months	All credit types	Apply Now
#2	Truly Funding	9.8 / 10	By quote	Quick approvals	By quote	By quote	Apply Now
#3	FC Advance	9.7 / 10	$5K–$1M	Next day	New or established	By quote	Apply Now
#4	Tier Funding	9.7 / 10	By quote	Next business day	3 months	Good or bad	Apply Now
#5	Choice Capital Solutions	9.6 / 10	By quote	24 hrs after approval	6 months (2 yrs SBA)	Soft pull to start	Apply Now
#6	Forward Financing	9.5 / 10	$5K–$500K	Same day	12 months	500+	See Offers
#7	Credibly	9.4 / 10	$5K–$600K	Same day	6 months	500+	See Offers
#8	Lendio	8.7 / 10	Up to $5M	As fast as 24 hrs	3–6 months	500+	See Offers
#9	Fora Financial	8.6 / 10	$5K–$1.5M	24–72 hrs	6 months	570+	See Offers
#10	Rapid Finance	8.6 / 10	Up to $500K	As fast as 24 hrs	Varies	550–600+	See Offers

Two people reviewing a document beside a laptop

How to choose business funding

Fast funding usually means a merchant cash advance or short-term loan. Both cost more than a bank loan, so compare the total payback, not just the amount.

Know your factor rate. A $50,000 advance at a 1.30 factor rate means you pay back $65,000, plus any fees.
Check the payment schedule. Most advances take daily or weekly payments from your bank account or card sales.
Ask about early payoff. Some funders, like Credibly and Fora, discount the cost if you repay early.

How we ranked #1 to #10

#1 to #5 are our top picks for small businesses that need fast working capital, and their scores are our editors’ ratings.

#6 to #10 are scored on how the leading review sites rank them. A #1 spot on a site’s list earns 10 points and last place earns 7. We average those, and give extra weight to companies that appear on more sites. A company had to appear on at least two sites to qualify.

Review sites we used

NerdWallet
CNBC Select
Finder
Fit Small Business
LendingTree
The Modern Wallet
United Capital Source

Last checked October 2026.

We may receive compensation from, or be affiliated with, companies on this page, which can affect their placement.

FAQs

What is a merchant cash advance?

A merchant cash advance gives you a lump sum now in exchange for a share of your future sales. It is not a loan. You repay it through daily or weekly payments until the agreed amount is paid back.

What is a factor rate?

A factor rate sets the total you repay on an advance. Most fall between about 1.10 and 1.50, so a $50,000 advance at 1.30 costs $65,000 in total, plus any fees.

How fast can I get funded?

Many funders on this page approve applications within hours and send funds the same day or within one to three business days.

Can I qualify with bad credit?

Often, yes. Cash advance providers focus more on your revenue and bank deposits than your credit score, and several on this page accept scores around 500 or have no minimum.

What do I need to apply?

Usually a short application, a government ID and your last three to six months of business bank statements. Larger amounts or SBA loans need more paperwork.

Top 10 Best Business Funding Companies of 2026

Deliver Funding

Truly Funding

FC Advance

Tier Funding

Choice Capital Solutions

Forward Financing

Credibly

Lendio

Fora Financial

Rapid Finance

Compare all 10 at a glance

How to choose business funding

How we ranked #1 to #10

Review sites we used

FAQs

Side-by-side comparison