Upstart is an online lending platform that offers consumer loans to qualified borrowers. It has relaxed credit score requirements, competitive terms and fees, and an easy application process. Upstart is an excellent resource for many people who do not fit the traditional model of a loan borrower.

BlueVine is an online lending service that’s suited for small businesses. It offers SBA/PPP loans, term loans, lines of credit, and invoice factoring. BlueVine is one of the most accessible invoice factors available and a good choice for B2B businesses.

Kiva offers crowdfunded microloans and is one of the least expensive forms of financing available to business owners. It is definitely worth checking out if you run a community-oriented business that needs a small infusion of cash. It is suitable for startups but not for large businesses.

Funding Circle is an online lender that offers medium-term installment loans to established businesses. It has a relatively long application process and strict borrower requirements but competitive terms and fees. Businesses that qualify for Funding Circle will most likely be able to get a better rate from an actual bank.

Accion is a nonprofit company that offers small business loans for a variety of different purposes. It is a good option for startup and small businesses with relatively low credit scores that may not qualify for other loan options. But do note that Accion’s APR can potentially be high.

Fora Financial is an alternative small business lender offering merchant cash advances and short-term loans. Despite the potentially high origination fee, Fora Financial’s offerings are competitive with other funders that offer short-term financing.

Whether your restaurant is focusing more on in-person dining or takeout options, Toast POS comes with a fantastic array of built-in features to serve customers. Toast also acts as the client’s payment processor. Toast is different from many of its iOS-based competitors in the POS world because it runs on Android operating systems, making the tablets it runs on cheaper and more versatile.

Credibly is an online lender that offers short-term financing in the form of business loans and merchant cash advances. Credibly’s qualifications are much lower but its origination fee is high. If you’re in a pinch and don’t have access to other financing options, Credibly might be the lender that works for your business.

PayPal Working Capital is a short-term business loan provided by PayPal. It is a fantastic resource for merchants who use PayPal. The application is fast, the fee structure is flexible and customizable, and repayment is easy.

Square Capital is a convenient and relatively inexpensive source of financing. This company has streamlined the lending process, so it’s almost completely hands-off.