# Top 50 Business Lending Startups Worldwide by Funding (2026)

> The 50 best-funded business lending startups worldwide, ranked by total funding raised: $3.4B combined.

Source: https://millionrounds.com/top-lists/business-lending-startups (Millionrounds; every figure on the page links to its filing or article)

- 1 [**Funding Circle** Funding Circle is a lending platform for small businesses.](https://millionrounds.com/company/funding-circle) Funding Circle is a lending platform for small businesses. *Founded* 2009 London, United Kingdom **$1.5B** last round Feb 2026
- 2 [**Quantum Lending Solutions** Quantum is a fintech business that provides AI-powered decisioning and lending infrastructure to banks and technology platforms.](https://millionrounds.com/company/quantum-lending-solutions) Quantum is a fintech business that provides AI-powered decisioning and lending infrastructure to banks and technology platforms. *Founded* 2023 Reston, United States **$250M** last round Nov 2025
- 3 [**Aequum Capital** Aequum is a commercial business that integrates an Environmental, Social, and Governance investment ethos.](https://millionrounds.com/company/aequum-capital) Aequum is a commercial business that integrates an Environmental, Social, and Governance investment ethos. *Founded* 2020 Chicago, United States **$250M** last round Sept 2025
- 4 [**Ascend Money** Ascend Money is a fintech startup company that delivers e-payment and micro-lending products.](https://millionrounds.com/company/ascend-money) Ascend Money is a fintech startup company that delivers e-payment and micro-lending products. *Founded* 2015 Bangkok **$195M** last round Jun 2024
- 5 [**InCred** InCred is a financial services platform that simplifies the lending process for personal, education, and business loans.](https://millionrounds.com/company/incred) InCred is a financial services platform that simplifies the lending process for personal, education, and business loans. *Founded* - India **$147M** last round Jul 2025
- 6 [**4Syte** 4Syte provides invoice finance solutions, lending, cash flow, business acquisition, and debt consolidation services.](https://millionrounds.com/company/4syte) 4Syte provides invoice finance solutions, lending, cash flow, business acquisition, and debt consolidation services. *Founded* 2016 Chelmsford, United Kingdom **$136M** last round Sept 2025
- 7 [**ElmBlue** ElmBlue provides equipment financing and leasing, specializing in large-format printers and related business equipment.](https://millionrounds.com/company/elmblue) ElmBlue provides equipment financing and leasing, specializing in large-format printers and related business equipment. *Founded* 2024 Stratham, United States **$125M** last round Nov 2025
- 8 [**Bond Street** Bond Street is a startup focused on transforming small business lending through technology, data and design.](https://millionrounds.com/company/bond-street) Bond Street is a startup focused on transforming small business lending through technology, data and design. *Founded* 2013 New York, United States **$112M** last round Jun 2015
- 9 [**GRID Finance** The GRID is Ireland’s online financing platform where people are lending and businesses are borrowing at competitive interest rates.](https://millionrounds.com/company/grid-finance) The GRID is Ireland’s online financing platform where people are lending and businesses are borrowing at competitive interest rates. *Founded* 2013 Dublin 2, Ireland **$104M** last round May 2022
- 10 [**ThinCats** At ThinCats we believe talent, creativity and hard work should be the drivers of success for mid-sized UK businesses, not access to funding.](https://millionrounds.com/company/thincats) At ThinCats we believe talent, creativity and hard work should be the drivers of success for mid-sized UK businesses, not access to funding. *Founded* 2011 Birmingham, United Kingdom **$96M** last round Aug 2024
- 11 [**SAPI** Our embedded finance loan-product-as-a-service enable payment companies and platforms to offer SME loan products to their business clients.](https://millionrounds.com/company/sapi) Our embedded finance loan-product-as-a-service enable payment companies and platforms to offer SME loan products to their business clients. *Founded* 2020 London, United Kingdom **$74M** last round Nov 2025
- 12 [**Floryn** Floryn is a technology-driven automated B2B lending company, with strong growth in the high volume loan segment](https://millionrounds.com/company/floryn) Floryn is a technology-driven automated B2B lending company, with strong growth in the high volume loan segment *Founded* 2016 's-Hertogenbosch, Netherlands **$64M** last round Oct 2022
- 13 [**Targeted Lending** Targeted Lending provides equipment financing services offering funding options for businesses.](https://millionrounds.com/company/targeted-lending) Targeted Lending provides equipment financing services offering funding options for businesses. *Founded* 2015 New York, United States **$50M** last round Jan 2026
- 14 [**LQD Business Finance** LQD Business Finance is a Chicago-based lending firm that specializes in providing structured financing solutions to small and medium-sized enterprises (SMEs) a](https://millionrounds.com/company/lqd-business-finance) LQD Business Finance is a Chicago-based lending firm that specializes in providing structured financing solutions to small and medium-sized enterprises (SMEs) a *Founded* 2015 Chicago, United States **$30M** last round Nov 2015
- 15 [**Credit Culture** Credit Culture is a fintech company based in Singapore that specializes in digital personal loans.](https://millionrounds.com/company/credit-culture) Credit Culture is a fintech company based in Singapore that specializes in digital personal loans. *Founded* 2016 Singapore, Singapore **$30M** last round Jan 2019
- 16 [**Lulalend** Lulalend is an online lending company that provides fast and easy working capital funding to small businesses in South Africa.](https://millionrounds.com/company/lulalend) Lulalend is an online lending company that provides fast and easy working capital funding to small businesses in South Africa. *Founded* 2014 South Africa **$28M** last round Feb 2026
- 17 [**finmid** finmid is a Berlin-based company that provides embedded lending infrastructure for software platforms, marketplaces, and vertical SaaS businesses.](https://millionrounds.com/company/finmid) finmid is a Berlin-based company that provides embedded lending infrastructure for software platforms, marketplaces, and vertical SaaS businesses. *Founded* 2021 Berlin, Germany **$24M** last round Apr 2024
- 18 [**Bank of Georgetown** Bank of Georgetown was a community bank located in Washington, DC, dedicated to relationship banking for local businesses and individuals.](https://millionrounds.com/company/bank-of-georgetown) Bank of Georgetown was a community bank located in Washington, DC, dedicated to relationship banking for local businesses and individuals. *Founded* 2005 Vienna, United States **$18M** last round Dec 2013
- 19 [**Koalaboox** All your small business management and financing solutions - in one app](https://millionrounds.com/company/koalaboox) All your small business management and financing solutions - in one app *Founded* 2012 Brussels **$17M** last round Feb 2019
- 20 [**Momnt** Momnt is a financial technology platform that offers point-of-need lending solutions to businesses.](https://millionrounds.com/company/momnt) Momnt is a financial technology platform that offers point-of-need lending solutions to businesses. *Founded* 2020 Atlanta, United States **$15M** last round Sept 2023
- 21 [**Lama AI** Lama AI is a fintech company founded in 2022, based in New York, with a research and development center in Tel Aviv, Israel.](https://millionrounds.com/company/lama-ai) Lama AI is a fintech company founded in 2022, based in New York, with a research and development center in Tel Aviv, Israel. *Founded* 2022 New York, United States **$12M** last round Jun 2026
- 22 [**Avanseo** Avanseo is a French FinTech lending platform that specializes in providing online financing solutions for small businesses, micro-enterprises, and individual en](https://millionrounds.com/company/avanseo) Avanseo is a French FinTech lending platform that specializes in providing online financing solutions for small businesses, micro-enterprises, and individual en *Founded* 2017 Paris La Défense, France **$12M** last round Mar 2021
- 23 [**Credright** CredRight is a digital lending non-banking financial company (NBFC) based in Hyderabad, India, founded in 2016.](https://millionrounds.com/company/credright) CredRight is a digital lending non-banking financial company (NBFC) based in Hyderabad, India, founded in 2016. *Founded* 2016 Hyderabad, India **$10M** last round Aug 2025
- 24 [**Hepan Finance** Hepan Finance is a P2P platform that focuses on providing operating capital to small businesses in the Shanghai area.](https://millionrounds.com/company/hepan-finance) Hepan Finance is a P2P platform that focuses on providing operating capital to small businesses in the Shanghai area. *Founded* 2013 China **$9.9M** last round Jul 2016
- 25 [**Bondora** Bondora is a European fintech company based in Tallinn, Estonia, founded in 2008.](https://millionrounds.com/company/bondora) Bondora is a European fintech company based in Tallinn, Estonia, founded in 2008. *Founded* 2008 Tallinn, Estonia **$7.0M** last round Feb 2015
- 26 [**Able Lending** Able Lending is a financial services company founded in 2014, based in Austin, Texas.](https://millionrounds.com/company/able-lending) Able Lending is a financial services company founded in 2014, based in Austin, Texas. *Founded* 2014 Austin, United States **$6.0M** last round Aug 2015
- 27 [**FInitive** Finitive is a data-driven private credit marketplace and financial technology platform based in New York, NY.](https://millionrounds.com/company/finitive) Finitive is a data-driven private credit marketplace and financial technology platform based in New York, NY. *Founded* 2017 New York, United States **$6.0M** last round May 2021
- 28 [**Trade Ledger** Trade Ledger is a Business lending platform.](https://millionrounds.com/company/trade-ledger) Trade Ledger is a Business lending platform. *Founded* 2016 London, United Kingdom **$5.6M** last round May 2023
- 29 [**Term Labs** Term Labs is a blockchain research and development business, is to provide scalable, transparent fixed-rate lending on blockchains.](https://millionrounds.com/company/term-labs) Term Labs is a blockchain research and development business, is to provide scalable, transparent fixed-rate lending on blockchains. *Founded* 2022 San Diego, United States **$5.5M** last round Jul 2024
- 30 [**Lending Works** Lending Works is a peer-to-peer lending platform that provides loans and capital solutions for small and medium-sized businesses.](https://millionrounds.com/company/lending-works) Lending Works is a peer-to-peer lending platform that provides loans and capital solutions for small and medium-sized businesses. *Founded* 2012 United Kingdom **$5.3M** last round Jan 2014
- 31 [**Benchmark Bank** Benchmark Bank is a family-owned community bank based in Plano, Texas, founded in 1964.](https://millionrounds.com/company/benchmark-bank) Benchmark Bank is a family-owned community bank based in Plano, Texas, founded in 1964. *Founded* 1964 Plano, United States **$5.2M** last round Feb 2015
- 32 [**Othera** Othera provides lenders, investors and businesses with blockchain investment solutions and tools for managing credit risk, debt and assets.\\Product Range:\* Et](https://millionrounds.com/company/othera) Othera provides lenders, investors and businesses with blockchain investment solutions and tools for managing credit risk, debt and assets.\\Product Range:\* Et *Founded* 2015 Sydney, Australia **$5.0M** last round May 2018
- 33 [**Faircent** Faircent.com is India's largest peer to peer lending website which caters to retail and business loans and also the first to be recognized as an NBFC-P2P by the RBI.](https://millionrounds.com/company/faircent) Faircent.com is India's largest peer to peer lending website which caters to retail and business loans and also the first to be recognized as an NBFC-P2P by the RBI. *Founded* 2013 Gurugram, India **$4.3M** last round Aug 2019
- 34 [**LendingFront** LendingFront is a fintech company based in New York, founded in 2014.](https://millionrounds.com/company/lendingfront) LendingFront is a fintech company based in New York, founded in 2014. *Founded* 2014 New York, United States **$4.0M** last round Dec 2019
- 35 [**Kaaj** Kaaj is a fintech startup based in San Francisco, founded in 2024 by Utsav Shah and Shivi Sharma.](https://millionrounds.com/company/kaaj) Kaaj is a fintech startup based in San Francisco, founded in 2024 by Utsav Shah and Shivi Sharma. *Founded* 2024 San Francisco, United States **$3.8M** last round Nov 2025
- 36 [**Swirepay** Swirepay is a global payments orchestration and reconciliation platform founded in 2019.](https://millionrounds.com/company/swirepay) Swirepay is a global payments orchestration and reconciliation platform founded in 2019. *Founded* 2019 Santa Clara, United States **$3.4M** last round Feb 2025
- 37 [**QuarterSpot** QuarterSpot is an online lending platform founded in 2011, based in Fairfax, Virginia.](https://millionrounds.com/company/quarterspot) QuarterSpot is an online lending platform founded in 2011, based in Fairfax, Virginia. *Founded* 2013 New York, United States **$2.8M** last round May 2014
- 38 [**JUDI.AI** JUDI.AI is a Canadian fintech company based in Vancouver, specializing in small business lending analytics software.](https://millionrounds.com/company/judi-ai) JUDI.AI is a Canadian fintech company based in Vancouver, specializing in small business lending analytics software. *Founded* 2016 Vancouver, Canada **$2.5M** last round Jun 2026
- 39 [**Nikel** Nikel, formerly known as Impact Credit Solutions, is a fintech company based in Singapore that specializes in embedded lending technology.](https://millionrounds.com/company/nikel) Nikel, formerly known as Impact Credit Solutions, is a fintech company based in Singapore that specializes in embedded lending technology. *Founded* 2018 Jakarta, Singapore **$2.5M** last round Apr 2022
- 40 [**Rush Gold** Rush Gold is a real-world-asset FinTech for retail, sophisticated investors and business customers for savings, spending & lending.](https://millionrounds.com/company/rush-gold) Rush Gold is a real-world-asset FinTech for retail, sophisticated investors and business customers for savings, spending & lending. *Founded* 2016 Vancouver, Canada **$2.2M** last round Sept 2021
- 41 [**Edinburgh Alternative Finance** Edinburgh Alternative Finance launched in 2014 with a focus on developing innovative proprietary technology to power the next wave of innovation in financial te](https://millionrounds.com/company/edinburgh-alternative-finance) Edinburgh Alternative Finance launched in 2014 with a focus on developing innovative proprietary technology to power the next wave of innovation in financial te *Founded* 2014 Edinburgh, United Kingdom **$1.8M** last round Aug 2022
- 42 [**ShareIn** ShareIn is a fintech company based in Edinburgh, founded in 2011.](https://millionrounds.com/company/sharein) ShareIn is a fintech company based in Edinburgh, founded in 2011. *Founded* 2011 United Kingdom **$1.7M** last round Dec 2021
- 43 [**Honeycomb Credit** Honeycomb Credit is a developer of a peer-to-peer lending platform designed to allow friends and family to fund small businesses.](https://millionrounds.com/company/honeycomb-credit) Honeycomb Credit is a developer of a peer-to-peer lending platform designed to allow friends and family to fund small businesses. *Founded* 2017 Pittsburgh, United States **$1.1M** last round Mar 2026
- 44 [**Crowdstacker** Crowdstacker Limited is a UK-based peer-to-peer (P2P) lending platform that connects individual lenders with British businesses seeking loan finance.](https://millionrounds.com/company/crowdstacker) Crowdstacker Limited is a UK-based peer-to-peer (P2P) lending platform that connects individual lenders with British businesses seeking loan finance. *Founded* 2014 Saint Albans, United Kingdom **$1.1M** last round Jul 2018
- 45 [**InvestNextDoor** InvestNextDoor is a crowd-lending marketplace for small business.](https://millionrounds.com/company/investnextdoor) InvestNextDoor is a crowd-lending marketplace for small business. *Founded* 2013 Bellingham, United States **$630K** last round Jul 2015
- 46 [**Finverv** Finverv is a SaaS-enabled lending infrastructure platform based in Gurugram, Haryana, India.](https://millionrounds.com/company/finverv) Finverv is a SaaS-enabled lending infrastructure platform based in Gurugram, Haryana, India. *Founded* 2021 Gurugram, India **$570K** last round Aug 2022
- 47 [**Flowt** Flowt is a Kenya-based financial intelligence and lending platform that leverages AI to support climate-smart small and growing businesses in Africa.](https://millionrounds.com/company/flowt) Flowt is a Kenya-based financial intelligence and lending platform that leverages AI to support climate-smart small and growing businesses in Africa. *Founded* - Nairobi, Kenya **$550K** last round Sept 2026
- 48 [**Carloina Community Impact** Carolina Community Impact provides access to credit and asset-building techniques for individuals and businesses.](https://millionrounds.com/company/carloina-community-impact) Carolina Community Impact provides access to credit and asset-building techniques for individuals and businesses. *Founded* - Raleigh, United States **$549K** last round Apr 2023
- 49 [**Corefin** Corefin is an open-source lending platform that enables technology businesses to create and market lending solutions.](https://millionrounds.com/company/corefin) Corefin is an open-source lending platform that enables technology businesses to create and market lending solutions. *Founded* 2024 San Francisco, United States **$500K** last round Feb 2024
- 50 [**Tribe3** Tribe3 is a cutting-edge digital lending platform that aims to empower small business owners by giving them instant access to finance.](https://millionrounds.com/company/tribe3) Tribe3 is a cutting-edge digital lending platform that aims to empower small business owners by giving them instant access to finance. *Founded* 2016 - **$268K** last round Apr 2023

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies whose own description names this theme, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

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