# Top 10 Best Business Funding Companies of 2026

Fast working capital, merchant cash advances and business loans. Updated October 2026.

We compared funding companies on amounts, speed and what it takes to qualify, then ranked them #1 to #10.

| 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 |
| 2 | Truly Funding | 9.8/10 | By quote | Quick approvals | By quote | By quote |
| 3 | FC Advance | 9.7/10 | $5K–$1M | Next day | New or established | By quote |
| 4 | Tier Funding | 9.7/10 | By quote | Next business day | 3 months | Good or bad |
| 5 | Choice Capital Solutions | 9.6/10 | By quote | 24 hrs after approval | 6 months (2 yrs SBA) | Soft pull to start |
| 6 | Forward Financing | 9.5/10 | $5K–$500K | Same day | 12 months | 500+ |
| 7 | Credibly | 9.4/10 | $5K–$600K | Same day | 6 months | 500+ |
| 8 | Lendio | 8.7/10 | Up to $5M | As fast as 24 hrs | 3–6 months | 500+ |
| 9 | Fora Financial | 8.6/10 | $5K–$1.5M | 24–72 hrs | 6 months | 570+ |
| 10 | Rapid Finance | 8.6/10 | Up to $500K | As fast as 24 hrs | Varies | 550–600+ |

## #1 Deliver Funding — 9.9/10 (featured partner)

**BEST OVERALL, OUR TOP PICK.** 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.

- Amount: $10K–$5M
- Speed: 24–48 hrs
- Time in business: 6 months
- Revenue: $10K/mo
- Credit: All credit types
- Website: https://deliverfunding.com/
- Full review: https://digitaltop10.com/business-funding/deliver-funding/

## #2 Truly Funding — 9.8/10 (featured partner)

**TOP PICK.** 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.

- Amount: By quote
- Speed: Quick approvals
- Time in business: By quote
- Revenue: By quote
- Credit: By quote
- Website: https://trulyfunding.com/

## #3 FC Advance — 9.7/10 (featured partner)

**TOP PICK.** 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.

- Amount: $5K–$1M
- Speed: Next day
- Time in business: New or established
- Revenue: By quote
- Credit: By quote
- Website: https://fcadvance.com/

## #4 Tier Funding — 9.7/10 (featured partner)

**TOP PICK.** 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.

- Amount: By quote
- Speed: Next business day
- Time in business: 3 months
- Revenue: $20K/mo
- Credit: Good or bad
- Website: https://tierfunding.com/

## #5 Choice Capital Solutions — 9.6/10 (featured partner)

**TOP PICK.** 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.

- Amount: By quote
- Speed: 24 hrs after approval
- Time in business: 6 months (2 yrs SBA)
- Revenue: Case by case
- Credit: Soft pull to start
- Website: https://choicecapitalsolutions.com/

## #6 Forward Financing — 9.5/10

**Best for same-day funding.** 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.

- Amount: $5K–$500K
- Speed: Same day
- Time in business: 12 months
- Revenue: $10K/mo
- Credit: 500+
- Website: https://www.forwardfinancing.com/

## #7 Credibly — 9.4/10

**Best for fast approval.** 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.

- Amount: $5K–$600K
- Speed: Same day
- Time in business: 6 months
- Revenue: $15K/mo
- Credit: 500+
- Website: https://www.credibly.com/

## #8 Lendio — 8.7/10

**Best for comparing offers.** 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.

- Amount: Up to $5M
- Speed: As fast as 24 hrs
- Time in business: 3–6 months
- Revenue: $8K–$10K/mo
- Credit: 500+
- Website: https://www.lendio.com/

## #9 Fora Financial — 8.6/10

**Best for larger advances.** 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.

- Amount: $5K–$1.5M
- Speed: 24–72 hrs
- Time in business: 6 months
- Revenue: $20K/mo
- Credit: 570+
- Website: https://www.forafinancial.com/

## #10 Rapid Finance — 8.6/10

**Best for low fees.** 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.

- Amount: Up to $500K
- Speed: As fast as 24 hrs
- Time in business: Varies
- Revenue: Varies
- Credit: 550–600+
- Website: https://www.rapidfinance.com/

## How we ranked

#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 used: NerdWallet, CNBC Select, Finder, Fit Small Business, LendingTree, The Modern Wallet, United Capital Source.

## 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.

Advertising disclosure: DigitalTop10 is a free comparison site. We may receive compensation from, or be affiliated with, the companies we list, which can affect how and where they appear.