Top 7 Fintech Lenders for SMBs 2025

Looking for fast and flexible funding for your small or medium-sized business (SMB)? Fintech lenders have become the preferred choice in 2025, offering quick approvals, diverse loan types, and streamlined digital processes. Here's a breakdown of the top seven fintech lenders for SMBs this year:

• Clearly Acquired: Specializes in SBA loans, commercial loans, and acquisitions with AI-powered underwriting for fast approvals.
• BlueVine: Offers lines of credit and invoice factoring, with funding in as little as 24–48 hours.
• Fundbox: Provides lines of credit and invoice financing, focusing on cash flow solutions with next-day funding.
• OnDeck: Features term loans and lines of credit, with same-day funding available.
• Kabbage by American Express: Flexible lines of credit with funds accessible within one business day.
• Lendio: A marketplace connecting businesses with over 75 lenders for tailored loan options.
• Credibly: Offers merchant cash advances, short-term loans, and equipment financing, with funding in 1–2 business days.

These lenders are helping SMBs navigate challenges like cash flow gaps, acquisitions, and growth opportunities. Whether you need a quick line of credit or specialized financing for acquisitions, there's a fintech solution tailored to your needs.

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Quick Comparison

Lender	Loan Types	Funding Speed
Clearly Acquired	SBA 7(a), SBA 504, Commercial Loans, Equipment Financing, Lines of Credit	Days (AI-driven process)
BlueVine	Lines of Credit, Invoice Factoring	24–48 hours
Fundbox	Lines of Credit, Invoice Financing	1–2 business days
OnDeck	Term Loans, Lines of Credit	Same day or 24 hours
Kabbage	Lines of Credit	1 business day
Lendio	Loan Marketplace (variety of options)	Varies by lender
Credibly	Merchant Cash Advances, Short-Term Loans, Equipment Financing	1–2 business days

Each lender offers unique strengths - some excel in speed, while others provide specialized loan options. Choose based on your business's specific needs, whether it's fast funding or acquisition-focused financing.

Driving Innovation in Small Business Lending

1. Clearly Acquired

Clearly Acquired is an AI-driven investment bank and marketplace designed for lower mid-market businesses. It offers a one-stop solution for small and medium-sized businesses (SMBs) seeking funding and strategic growth opportunities.

Loan Types Offered

Clearly Acquired provides a variety of financing options tailored to different business needs. These include:

• SBA 7(a) loans and SBA 504 loans for business acquisitions and real estate investments.
• Commercial loans for broader business purposes.
• Equipment financing to cover machinery and technology purchases.
• Lines of credit for flexible working capital.
• Merchant cash advances for quick funding based on future sales.

What makes Clearly Acquired stand out is its focus on non-traditional financing structures. These include seller notes, earnouts, mezzanine capital, and other creative funding options that allow businesses to structure deals more effectively. They also facilitate equity injections and partner buyouts, making the platform a valuable resource for businesses aiming to grow through acquisitions or partnerships.

Funding Speed

Using AI-powered underwriting and Plaid-integrated financial verification, Clearly Acquired has streamlined the funding process, cutting it down from weeks to just days. Their acquisition pre-qualification system quickly matches businesses with suitable lenders, while automated systems handle financial data and creditworthiness assessments at a speed traditional methods can't match.

Eligibility Requirements

Clearly Acquired evaluates creditworthiness using advanced AI tools that go beyond conventional metrics. The platform incorporates user verification and connects businesses with a pool of vetted borrowers and lenders, ensuring a high standard of quality on both sides. This rigorous approach supports its robust set of features.

Key Features and Benefits

The platform's marketplace model is a game-changer. It not only offers loans but also provides access to a full ecosystem of services, including deal sourcing, business valuations, and advisory support. For example, the AI-driven business valuation tool delivers instant, data-backed valuations using market comparables, helping businesses understand their worth before pursuing financing.

Additional tools like secure data rooms and centralized pipeline management ensure smooth, compliant document sharing and communication. Clearly Acquired also offers educational resources, such as a business acquisition course, equipping SMBs with the knowledge to make informed financial decisions.

For businesses aiming to grow through acquisitions, the platform's off-market search tools - powered by Google Maps API - help uncover hidden opportunities. This makes Clearly Acquired especially valuable for SMBs looking to expand strategically rather than simply securing working capital.

2. BlueVine

BlueVine is a fintech lender that blends traditional banking services with cutting-edge digital tools, catering specifically to small and medium-sized businesses (SMBs) across a variety of industries.

Loan Types Offered

BlueVine provides two main financing options:

• Business Line of Credit: Borrowers can access credit limits ranging from $6,000 to $250,000. You only pay interest on the amount you draw, offering flexibility for managing expenses.
• Invoice Factoring: This option lets businesses turn unpaid invoices into immediate cash. It's especially helpful for B2B companies dealing with cash flow gaps while waiting on customer payments.

Funding Speed

BlueVine’s application process is designed for speed and convenience. The entire process happens online - no need to visit a branch or deal with piles of paperwork. Once approved, most businesses receive funds directly in their bank accounts within 24 to 48 hours, and in some cases, even on the same day.

Eligibility Requirements

To qualify for BlueVine’s financing options, businesses must meet these criteria:

• Operate for at least six months
• Generate at least $120,000 in annual revenue
• Have a personal credit score of 600 or higher (better scores can result in improved terms)

BlueVine evaluates both personal and business credit, cash flow, and overall financial health. Applicants must also have a U.S.-based business bank account and operate within the United States.

Key Features and Benefits

BlueVine’s platform integrates seamlessly with popular accounting tools like QuickBooks, Xero, and FreshBooks, simplifying the application process and ongoing financial management. Their dedicated customer support team is available via phone, email, and live chat during business hours, ensuring help is always within reach.

Other standout features include competitive interest rates, a transparent fee structure, and no prepayment penalties. This means businesses can repay balances early without worrying about extra fees. Access to funds is also quick and easy through online banking and BlueVine’s mobile app.

3. Fundbox

Fundbox is designed to provide quick credit decisions and fast funding for small and medium-sized businesses (SMBs) through a simple and efficient digital platform.

Loan Types Offered

Fundbox offers two main financing options to help businesses overcome cash flow challenges:

• Business Line of Credit: A flexible credit option that allows businesses to draw funds as needed. Interest is charged only on the amount used, making it a practical solution for managing unpredictable expenses.
• Invoice Financing: This option lets businesses unlock cash tied up in unpaid invoices, giving them faster access to funds without waiting for customer payments.

These options are tailored to help businesses handle cash flow gaps with ease.

Funding Speed

One of Fundbox's standout features is its speed. The application process takes just three minutes, with credit decisions made almost instantly. Once approved, funds are typically available as soon as the next business day, and most businesses receive their money within one to two business days.

Muhammet Ariturk, the owner of Istanbul Restaurant, shared his experience:

"In less than two days I received funds that I've used to pay back outstanding bills and debts."

Eligibility Requirements

Fundbox is available to SMBs across the United States and its territories. To qualify, businesses must have a minimum annual revenue of $30,000.

Key Features and Benefits

Fundbox's platform integrates directly with bank accounts and accounting software, allowing for a real-time financial assessment. This not only simplifies the application process but also speeds up funding decisions, making it an appealing choice for SMBs.

Bora Kara, co-founder and owner of Beach House Tow, highlighted the ease of use:

"The application process was so easy and fast, it did not feel like one of those tasks that I dread to take on."

4. OnDeck

OnDeck provides a fast and reliable way for small and medium-sized businesses (SMBs) to access the financing they need, offering quick solutions for businesses looking to secure capital without delays.

Loan Types Offered

OnDeck focuses on two main financing options designed to address different business scenarios:

• OnDeck Term Loans: These loans come with fixed rates and predictable payment schedules, making them a solid choice for businesses planning large investments or tackling significant expenses with a clear repayment structure.
• OnDeck Lines of Credit: A flexible option that allows businesses to draw funds as needed. Interest is charged only on the amount used, making it a great tool for handling cash flow challenges or covering unexpected costs.

Both options are backed by a streamlined funding process, ensuring businesses get the support they need quickly.

Funding Speed

When it comes to speed, OnDeck stands out. Lines of Credit offer instant, round-the-clock access to funds, while Term Loans are typically funded within 24 hours. In some cases, funding might take up to two or three business days depending on the state. This is a huge time saver compared to traditional SBA loans, which often take anywhere from 7 to 21 business days after signing the closing documents.

Eligibility Requirements

OnDeck has clear minimum eligibility criteria and excludes certain industries from its financing services, ensuring its offerings align with responsible lending practices.

Key Features and Benefits

OnDeck’s platform is designed with ease and speed in mind. Applications are straightforward and can be completed in just minutes. For businesses using the Line of Credit, the 24/7 access to funds provides unmatched flexibility to address financial needs as they arise. Whether it’s managing day-to-day operations or responding to unexpected challenges, OnDeck’s solutions are built to support SMBs effectively.

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5. Kabbage by American Express

Kabbage combines the trusted reputation of American Express with advanced technology to provide flexible financing options tailored for small businesses.

Loan Types Offered

Kabbage focuses on offering flexible lines of credit. With these, businesses only pay interest on the funds they actually use. This setup is ideal for companies that need access to funds on demand. Whether it's covering day-to-day operations, managing inventory, or handling unexpected expenses, their credit lines are designed to fill cash flow gaps without locking businesses into long-term debt.

This flexibility is particularly helpful for businesses dealing with seasonal sales cycles or those that face delays between customer payments and operational costs. It ensures that businesses can keep running smoothly without overextending their financial commitments.

Funding Speed

One of Kabbage’s standout features is its quick funding process. Once approved, businesses can access their credit within a single business day. The application process is streamlined, with automated underwriting that eliminates the need for piles of paperwork or lengthy wait times.

For businesses with an established line of credit, accessing additional funds is even faster - nearly instant through the online platform. This makes it a reliable option for addressing urgent financial needs or taking advantage of time-sensitive opportunities.

Eligibility Requirements

Kabbage by American Express makes funding more accessible than traditional banks. To qualify, businesses must have been operational for at least one year and generate a minimum of $50,000 in annual revenue. While most industries are eligible, businesses in higher-risk sectors may face restrictions.

The platform’s automated system connects directly to business bank accounts, accounting software, and other financial tools to evaluate creditworthiness. This method shifts the focus away from just credit scores, emphasizing cash flow and overall business performance instead. This approach can be especially beneficial for businesses with limited credit history.

Key Features and Benefits

Kabbage offers several features that set it apart:

• American Express Integration: Existing American Express customers may experience smoother processes and additional perks, including potential credit limit increases.
• Dynamic Credit Scaling: The platform’s automated monitoring system tracks business performance over time. As businesses grow and demonstrate strong financial health, credit limits may increase automatically - no need to reapply.
• Transparent Pricing: Kabbage provides clear fee structures with no hidden charges. Businesses can easily track borrowing costs and make informed decisions using detailed analytics.

These features make Kabbage a practical choice for small businesses seeking flexible and efficient financing options.

6. Lendio

Lendio simplifies the process of securing funding for small and medium-sized businesses (SMBs) by connecting them with over 75 lenders through a single application. Unlike direct lenders, Lendio acts as a matchmaker, working with a wide network of national lenders to pair businesses with the most suitable financing options. This collaborative approach opens the door to a variety of funding solutions.

Loan Types Offered

Lendio offers a broad range of loan options tailored to different business needs. These include SBA loans, such as SBA 7(a) and SBA 504 loans, which are known for their competitive rates and terms. For businesses seeking larger sums with predictable monthly payments, term loans are available.

If flexibility is a priority, Lendio provides access to lines of credit and equipment financing, allowing businesses to draw funds as needed or finance essential equipment purchases. For companies with strong credit card sales, merchant cash advances can provide quick access to capital, while invoice factoring helps businesses manage cash flow when dealing with slow-paying clients. Additionally, their network includes options for startup loans and bad credit business loans, ensuring funding is within reach for businesses that may face challenges with traditional lenders.

Funding Speed

The time it takes to receive funding depends on the loan type. For instance, merchant cash advances and some lines of credit can be funded within 24–48 hours. Term loans typically take about 1–2 weeks, while SBA loans may require 30–90 days due to government approval processes. Lendio’s platform pre-qualifies applications and matches businesses with lenders specializing in their specific industry or loan type, which often shortens processing times.

Eligibility Requirements

Eligibility requirements vary depending on the lender and loan product. Most loans require businesses to have been operational for at least 6 months and generate $25,000 or more in annual revenue. For premium options, like SBA loans, businesses usually need 2+ years in operation and $100,000+ in revenue. Credit score requirements range from 500 for alternative financing to 680 or higher for SBA loans. Lendio’s ability to match businesses with lenders that align with their financial profiles significantly improves approval chances compared to applying directly with individual lenders.

Key Features and Benefits

Lendio’s streamlined application process saves time by pre-qualifying applicants and offering real-time rate comparisons. Businesses are supported by dedicated loan advisors who provide personalized guidance throughout the selection and application process - at no cost. These advisors help interpret loan terms, compare offers, and navigate complex requirements, such as SBA loan documentation.

The platform’s diverse lender network ensures businesses have access to both traditional and alternative financing options. This means companies can secure funding that matches their unique credit profiles and industry needs, all through a single platform. Additionally, Lendio offers clear comparisons of fees, interest rates, and repayment terms, helping businesses make informed decisions with confidence.

7. Credibly

In 2025, Credibly continues to stand out in the fast-paced world of SMB financing by using data-driven underwriting to provide quick access to capital. Designed for small and medium-sized businesses in the United States, Credibly focuses on delivering flexible funding solutions without the drawn-out approval processes often associated with traditional banks.

Loan Types Offered

Credibly provides a range of financing options tailored to diverse business needs, including:

• Merchant Cash Advances: These offer upfront funding in exchange for a percentage of future credit card sales, making them a go-to choice for businesses like restaurants or retail stores that see steady card transactions.
• Short-Term Business Loans: With repayment terms between 3 and 18 months, these loans feature daily or weekly payment schedules that align with a business's cash flow.
• Lines of Credit: Businesses can access up to $250,000, drawing funds as needed and only paying interest on the amount used.
• Equipment Financing: Ideal for purchasing or leasing machinery, vehicles, or technology, this option often uses the equipment itself as collateral, potentially offering better terms for eligible applicants.

Funding Speed

Credibly's funding process is built for speed. Most businesses receive approval decisions within 24 hours, thanks to a streamlined online application and automated underwriting. Once approved, funds are typically deposited within 1-2 business days. This quick turnaround makes Credibly an appealing option for businesses dealing with urgent cash flow needs or time-sensitive opportunities.

Eligibility Requirements

Credibly’s eligibility criteria are designed to be accessible to a wide range of businesses. To qualify, companies must:

• Be in operation for at least 3 months.
• Generate at least $8,000 in monthly revenue.
• Have a minimum credit score of 500, though businesses with higher scores may secure better terms.

For merchant cash advances, businesses must process at least $2,500 in monthly credit card transactions. Credibly also evaluates other factors, such as bank account activity, industry type, and overall business performance trends, allowing them to serve businesses that might not meet traditional banking requirements. However, certain high-risk industries may face restrictions.

Key Features and Benefits

Credibly’s offerings are designed with transparency and flexibility in mind, ensuring businesses can access funding without unnecessary complications. Here’s what stands out:

• Clear Pricing: All costs, including factor rates for merchant cash advances and interest rates for loans, are outlined upfront.
• Flexible Repayment Options: Payments are tailored to fit different business models. For example, merchant cash advance repayments adjust automatically based on daily sales, while term loans offer fixed, predictable payment schedules.
• Opportunities for Additional Funding: Businesses that maintain a strong repayment history may qualify for more funding after making several on-time payments.
• Dedicated Support: Through an intuitive online portal, business owners can track payments, manage financing, and connect with account managers for assistance with early payoffs or new funding needs.

Credibly’s approach relies heavily on real-time data analysis rather than time-consuming manual reviews. This allows them to extend financing to businesses that might not meet traditional bank standards while maintaining responsible lending practices.

Lender Comparison Table

Fintech lenders are reshaping the way small and medium-sized businesses (SMBs) access financing. Here's a quick comparison of key features to help you decide which lender might be the right fit for your business.

Lender	Loan Types	Funding Speed
Clearly Acquired	SBA 7(a), SBA 504, Commercial Loans, Equipment Financing, Lines of Credit, Merchant Cash Advances	Days (AI-powered process)
BlueVine	Lines of Credit, Invoice Factoring	24-48 hours
Fundbox	Lines of Credit, Invoice Financing	1-2 business days
OnDeck	Term Loans, Lines of Credit	24 hours
Kabbage by American Express	Lines of Credit	1 business day
Lendio	Loan Marketplace (connects businesses with multiple lenders)	Varies by matched lender
Credibly	Merchant Cash Advances, Short-Term Loans, Lines of Credit, Equipment Financing	1-2 business days

Key Differences to Consider

• Funding Speed: If you need funding fast, BlueVine offers decisions in as little as 5 minutes, with instant funding available for customers using its checking account. OnDeck also delivers same-day funding. Fundbox, Clearly Acquired, and Credibly provide quick funding but with slightly longer timelines.
• Industry Focus: Your business’s specific needs can also influence your choice. Clearly Acquired specializes in financing Main Street and lower mid-market business acquisitions, as well as growth capital. On the other hand, Lendio acts as a marketplace, connecting businesses with a network of lenders to find the best match.

This table and the insights above can help you zero in on the lender that aligns with your business goals and financial needs.

Conclusion

Picking the right fintech lender can be a game-changer for your business growth. Each of the seven lenders we discussed offers distinct advantages, whether it's Clearly Acquired's expertise in M&A financing or BlueVine's quick funding solutions.

The comparison table above outlines these differences and serves as a helpful starting point. For example, if you're planning a business acquisition, Clearly Acquired's SBA loan support and specialized platform could provide exactly what you need. On the other hand, if you're dealing with pressing cash flow issues, several lenders offer fast funding options to cover those short-term gaps.

Thanks to advancements in technology, access to capital has become more accessible for small and medium-sized businesses. Fintech lenders are utilizing cutting-edge tools to simplify loan applications and assess creditworthiness more efficiently.

When choosing a lender, think about what matters most to your business - whether that's speed, loan type, or platform features. Use the table above to narrow your choices, then dive into the detailed reviews to find the lender that aligns with your financial goals.

A good financing partner does more than just provide capital - it can help fuel your strategic growth. Whether you need funds to restock inventory or finance a major acquisition, the fintech lending options available in 2025 are ready to support your ambitions.

Take the time to assess your needs, compare your options, and connect with the lender that fits your vision. The next chapter of your business's success could start with the right funding decision.

FAQs

What should I look for when selecting a fintech lender for my small or medium-sized business in 2025?

When choosing a fintech lender for your small or medium-sized business in 2025, prioritize those that have expertise in your industry and provide loan options designed to meet your specific requirements. Clarity is key - ensure they are upfront about interest rates, fees, and repayment terms to avoid any hidden surprises.

You’ll also want to assess the lender’s reputation, their security protocols, and how user-friendly their platform is. Think about how well they understand your business operations and their ability to keep up with changing market demands. Opting for a lender with solid experience and a proven track record can play a critical role in securing the right funding for your business.

What are the funding speeds and eligibility requirements of the top fintech lenders for SMBs in 2025?

In 2025, fintech lenders have become a go-to choice for small and medium-sized businesses (SMBs) thanks to their fast funding approvals. These lenders often approve funding within 24 to 48 hours, and some even provide same-day access to funds. This speed makes them especially appealing for businesses that need quick capital to manage operations or seize opportunities.

To qualify, businesses usually need to meet a few key criteria: at least one year in operation, annual revenue of $100,000 or more, and a decent credit score. That said, fintech lenders are often more lenient than traditional banks. This means startups or businesses with less-than-perfect credit scores can still secure financing. Whether it’s loans, lines of credit, or other funding solutions, fintech lenders offer options designed to meet the unique needs of SMBs.

What makes Clearly Acquired a valuable resource for SMBs pursuing growth through acquisitions?

Clearly Acquired offers small and medium-sized businesses a powerful platform designed to streamline and boost growth through acquisitions. By integrating capital solutions, advisory services, verified deal flow, and AI-powered tools, it provides support at every step of the transaction process - from identifying opportunities to finalizing deals.

The platform connects SMBs with strategic funding options, including SBA loans, commercial loans, and equity injections, ensuring businesses can find the right financial setup to meet their goals. Additional features like deal screening, access to qualified leads, and secure data rooms make the acquisition process smoother, more informed, and easier to navigate.

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