Finding a reliable funding partner can be a major turning point for B2B businesses that need working capital without the paperwork or timelines of traditional bank loans. Non-bank lenders often provide faster decisions, simpler terms, and more flexibility, especially when it comes to short-term cash flow challenges.
Whether you’re managing a seasonal slowdown, waiting on invoices, or ramping up operations, these seven lenders can help fill the gap. They focus on speed, ease, and helping businesses stay in control of their finances.
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1. Porter Capital
Porter Capital is a standout option for B2B companies that need fast access to funding without jumping through traditional banking hoops. With over three decades of experience, they specialise in invoice factoring and receivables financing for amounts up to $25 million, which makes them a strong partner for both growing businesses and those with more complex capital needs. The biggest draw? They often fund within 24 hours, making them a go-to solution when timing is critical.
What sets Porter Capital apart is the way they combine speed with real support. Instead of sending you to a chatbot or automated portal, they assign a dedicated account manager who gets to know your business and helps you move fast when cash flow is tight. Their rates can dip as low as 0.40%, and the entire service is built around being flexible, straightforward, and quick to respond when funding gaps show up.
Porter Capital also offers a referral program that benefits professionals like investment bankers or commercial lenders. If a client needs near-term working capital and doesn’t qualify for traditional lending, you can bring Porter Capital in as a funding partner without giving up the relationship. Referrers earn up to 15% of fees for the life of the deal, which makes it a smart move for both sides. Porter Capital’s focus on speed, service, and solid partnerships makes them a top pick for B2B companies trying to stay ahead.
2. Fundbox
Fundbox is a strong choice for businesses that need funding in a hurry. Their digital platform is built for speed as businesses can apply in minutes, link their financial accounts, and often get a decision on funding the same day. That makes it especially useful when you’re trying to deal with an unexpected expense or need a quick cash injection to keep things moving.
Instead of offering a one-size-fits-all loan, Fundbox provides a flexible line of credit and invoice financing, both designed to get funds into your account fast. Their system uses real-time data to evaluate your business, making the process quicker and easier than traditional applications. For business owners who want to skip the paperwork and long waits, Fundbox offers a modern, efficient path to short-term financing.
3. eCapital
eCapital is known for helping businesses access working capital quickly, especially in industries where cash flow can slow down due to long payment terms. Their factoring service lets you convert unpaid invoices into cash fast (often within a day of submission) so you’re not stuck waiting on slow-paying customers.
This speed makes eCapital a popular option for companies that need fast funding but don’t want to take on debt. The process is straightforward, and they’re easy to work with, especially if you operate in fast-moving sectors. If your business needs to move quickly and can’t wait weeks for a bank to process a loan, eCapital can help free up the cash you already earned.
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4. Credibly
Credibly offers working capital loans and other financing options designed to meet the fast-paced needs of small and midsize businesses. They’re a great choice if you need quick access to funds and don’t want to get bogged down in traditional lending requirements. Their team looks at more than just credit score, which speeds up approval and helps more business owners get the capital they need.
For those who are dealing with seasonal fluctuations, urgent equipment repairs, or new opportunities that require fast action, Credibly delivers a fast turnaround and flexible terms. Their simple online application and responsive customer support make it easier to move quickly and stay focused on your business.
5. National Funding
National Funding stands out for its ability to provide multiple funding solutions, including invoice factoring and small business loans, with a focus on fast delivery. If your business needs quick working capital to handle a cash flow gap or jump on a new opportunity, their fast application and approval process can help you access funds sooner.
Their straightforward process and support from real people make them a good option for first-time borrowers or businesses looking for a reliable, long-term partner. National Funding is often used by companies facing unpredictable cash flow who want fast, low-pressure financing that’s easy to understand and quick to arrive.
6. Rapid Finance
Rapid Finance lives up to its name by helping businesses access capital quickly. Their online application takes just minutes, and many companies receive funds within a day or two. That speed is valuable when you’re up against a short-term gap or need funds to seize a time-sensitive opportunity.
They offer several types of financing, including working capital loans and invoice factoring, which makes it easier to find a solution that fits your timeline and business model. If you’re prioritising fast service and need a provider that can move quickly without a lot of hassle, Rapid Finance is a dependable option worth considering.
7. MCL Finance
MCL Finance provides straightforward funding solutions with a quick turnaround, which is ideal for B2B companies that need to act fast. Their invoice factoring services help businesses unlock cash tied up in receivables without waiting weeks for client payments to come through.
What makes MCL Finance appealing is their focus on quick decisions, responsive service, and simple terms. If your business needs fast working capital to meet payroll, stock up on inventory, or just stay ahead of expenses, they’re a reliable choice that focuses on speed without sacrificing customer service.
Choosing the Right Funding Partner
The right non-bank lender can offer speed, flexibility, and clarity when your business needs access to working capital. From invoice factoring to fast credit lines, the options in this list are designed to help you keep things moving without jumping through hoops. Compare your needs, look at the service model that fits best, and choose a partner who’ll help you grow with confidence.
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