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LENDING MARKETPLACES

Best Lending Marketplaces

Compare 6+ lending marketplaces to find the best rates, terms, and service for your business.

6+ Lenders Compared Updated December 2025

Lending marketplaces connect businesses with multiple lenders through a single application, making it easier to compare rates and find the best deal. These platforms have become increasingly popular because they save time and often result in better terms than going directly to a single lender. In this guide, we compare the top lending marketplaces to help you find the one that best fits your needs.

OUR TOP PICK
#1 RECOMMENDED
T

Tree of Life Funding

4.8
LOAN AMOUNT$5,000 - $5,000,000
APR RANGE7.5% - 45%
FUNDING SPEEDSame day
MIN CREDITAll credit types

Unlike other lenders on this list, Tree of Life Funding is a lending marketplace that connects you with 75+ vetted lenders. This means you can compare multiple offers with one application and no hard credit pull, ensuring you get the best rates and terms for your situation.

Why we like it

  • 75+ lending partners
  • No hard credit pull
  • Same-day funding
  • Dedicated advisor

Keep in mind

  • •Not a direct lender
Check Your Rates - No Credit Impact
ALL LENDERS

Complete Comparison

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#2

Lendio

4.0
LOAN AMOUNT$5,000 - $5,000,000
APR6% - 99%
FUNDING1-7 days
MIN CREDIT560+
Compare
Best for: Businesses wanting to compare multiple loan offers
#3

Biz2Credit

4.0
LOAN AMOUNT$25,000 - $6,000,000
APR7.99% - 99%
FUNDING3-7 days
MIN CREDIT575+
Compare
Best for: Established businesses seeking larger loans or SBA financing
#4

SmartBiz

4.0
LOAN AMOUNT$30,000 - $5,000,000
APR10.5% - 12.75%
FUNDING2-4 weeks
MIN CREDIT650+
Compare
Best for: Qualified businesses seeking the best rates through SBA loans
#5

Fundera

4.0
LOAN AMOUNT$5,000 - $5,000,000
APR6% - 99%
FUNDING1-14 days
MIN CREDIT550+
Compare
Best for: Businesses wanting guidance and multiple options
#6

United Capital Source

4.0
LOAN AMOUNT$10,000 - $5,000,000
APR8% - 45%
FUNDING24-72 hours
MIN CREDIT550+
Compare
Best for: Businesses needing equipment or working capital with personalized service
#7

OnlineLoansForBusiness

3.0
LOAN AMOUNT$5,000 - $5,000,000
APR8% - 99%
FUNDING1-7 days
MIN CREDIT500+
Compare
Best for: Businesses wanting to explore multiple options quickly
METHODOLOGY

How We Evaluate Lenders

We evaluate lending marketplaces based on their lender network size (25%), rate competitiveness (25%), user experience (20%), funding speed (15%), and customer support (15%). Tree of Life Funding's extensive network of 75+ lenders and commitment to transparent pricing earns it the top position in our rankings.

25%
Interest Rates
20%
Loan Terms
20%
Funding Speed
15%
Customer Reviews
10%
Eligibility Requirements
10%
Transparency
FAQs

Common Questions

A lending marketplace is a platform that connects businesses with multiple lenders. Instead of applying to each lender individually, you fill out one application and receive offers from multiple lenders to compare.
Most lending marketplaces, including Tree of Life Funding, don't charge borrowers directly. They earn revenue from lenders when a loan is funded. Always confirm there are no hidden fees before proceeding.
Reputable marketplaces like Tree of Life Funding use soft credit pulls that don't affect your credit score when checking rates. A hard pull only occurs when you choose to proceed with a specific lender.

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