Lenders ready
to
fund your
business.
We know which funding partners approve businesses like yours, from real approvals in our network. Answer a few questions, see who's ready to make you an offer, and choose the one you want.
Illustration based on the answers you give. Your matched partners set the amount, rate and terms. A match is not an approval: each partner makes its own decision.
Our network includes Fora Financial, Fundera, Lendzi, Business.com, ICG Funding, Advance Funds Network, Britecap, and other vetted funding partners across SBA, working capital, equipment financing, and lines of credit.
We do not collect sensitive information
To match you we only collect your contact details and your own estimate of your business: revenue, time in business, and how much you need. No SSN, no Tax ID, no bank statements and no documents, and checking your options doesn't affect your credit. Here is exactly what that means.
No SSN required
We never ask for your Social Security number to match you with a funding partner.
No Tax ID required
We do not collect your EIN or Tax ID. Your match is based on your business profile.
Checking your options doesn't affect your credit
Matching runs on the answers you give us, not a credit check. A partner may check credit later, only if you choose to apply with it.
No documents required
No bank statements, no bank logins, no signatures, no verification documents. Everything we use about you comes from your answers.
How your answers are used
We use your answers to find funding partners whose criteria and products fit your business, and to follow up with you about your options, as our privacy policy describes. We do not sell them to data brokers or advertisers.
Get matched in 5 simple steps
Tell us about your business
Answer a few quick questions about revenue, time in business, and what you need funding for. About 2 minutes, no documents.
We check our network
Your profile is checked against the lending criteria of vetted partners in our network.
We use real approval data
We track which partners approve which kinds of business, from the businesses we have already introduced, and use that to narrow the field. Those results stay private. A match is not an approval: each partner makes its own decision. How we match
You're matched to partners ready to offer
You're put in front of the funding partners most likely to make your business an offer, not sent to every lender in the network.
You compare and choose
Review what each matched partner offers and pick the one you want. Nothing is signed until you do. Not the right fit? You can always ask us to look again.
Is TopFunders.ai right for you?
A good fit if you:
- Run a US business and want to see which funding partners are ready to make you an offer without applying to lenders one by one.
- Want to check your options without it affecting your credit, and without sharing an SSN, Tax ID or documents.
- Want to compare what partners offer and choose, with nothing signed until you do.
Probably not the right fit if you:
- Need a mortgage, a car loan or a personal loan. We only cover business funding.
- Want someone to negotiate or compare rates across lenders for you. We do not compare rates across partners for you, so compare the terms before you sign.
- Have not started trading yet. See funding for a new business for what lenders usually look for.
Five loan types from one application
- 3 to 24 months
Unsecured Business Loans
No collateral required. Approved on business performance. Best for owners who do not want to pledge personal or business assets.
$10,000 to $500,000Learn more → - 5 to 25 years
SBA Loans
Government-backed loans with lower rates and longer terms. Longer application but cheaper money. Includes SBA 7(a) and microloans.
$5,000 to $5 millionLearn more → - 3 to 18 months
Working Capital Loans
Short-term funding for payroll, inventory, seasonal gaps, or unexpected expenses. Fast approval and funding.
$10,000 to $250,000Learn more → - Revolving
Business Line of Credit
Draw funds when you need them, pay interest only on what you use. Useful for businesses with uneven cash flow.
$10,000 to $250,000Learn more → - Up to 7 years
Equipment Financing
Loans secured by the equipment itself. Often available for newer businesses since the asset acts as collateral.
$5,000 to $500,000Learn more →
Matched to your business, not sent to every lender.
Some loan marketplaces send your application to many lenders at once. We put you in front of the partners ready to fund a business like yours.
- Your application goes to many lenders at once
- You sort through the responses yourself
- Only partners ready to fund a business like yours, not a list to sort through. Vetted partners in our network may review your details.
- No Social Security number or Tax ID needed to get matched.
- Your profile decides which partners can take your request. No live bidding.
- Vetted funding partners that fund businesses like yours. We are not a lender or a broker.
- Checking your options doesn't affect your credit.
Frequently asked questions
Everything you need to know about TopFunders.ai and how our matching works.
What is TopFunders.ai?
TopFunders.ai is a free business funding marketplace for US small businesses. One short application puts you in front of the funding partners in our network that are ready to make a business like yours an offer, and you choose. TopFunders.ai is not a lender and not a loan broker: it does not originate, underwrite, price or fund loans, and the partner makes every credit decision.
Is TopFunders.ai a lender?
No. TopFunders.ai is a free matching platform, not a lender. We connect US small business owners with pre-vetted funding partners based on your business profile. You apply directly with the funding partner you choose.
Does using TopFunders.ai affect my credit score?
No. Checking your options on TopFunders.ai doesn't affect your credit. Matching is based on the business details you provide, not a credit pull. A credit inquiry only happens later, and separately, if you move forward with a matched funding partner.
How much does TopFunders.ai cost?
Nothing. TopFunders.ai is free for business owners. We are paid by our funding partners, never by you.
How fast can I get funded?
Many of our funding partners can fund approved businesses in 24 to 48 hours, and approvals can come the same day once you send the full application with bank statements. SBA-backed loans take longer (30 to 90 days). The matching itself takes about 2 minutes.
What is the best way to compare business loan options?
Answer a few questions once, then see which funding partners are ready to make your business an offer, instead of applying to lenders one at a time. On TopFunders.ai that takes about 2 minutes, costs nothing, and does not affect your credit score. You choose which offer to take, and nothing is signed until you do.
How do you decide which partner I am matched with?
We track which partners approve which kinds of business, from the businesses we have already introduced. We use that to decide which partners you are put in front of. Those results stay private. A match is not an approval: each partner makes its own decision.
What if none of the partners is the right fit?
You can always ask us to look again, using the link in our follow-up email. What comes back depends on which other partners your business is eligible for.
What do I need to qualify, and what amounts are available?
Many online business lenders look for at least 6 months in business, $10,000 or more in monthly revenue, and a personal credit score of 550 or higher; higher scores and stronger revenue unlock better terms. Our funding partners offer business loans from $5,000 up to $5 million depending on your profile and the loan type.
Can I get a business loan with bad credit?
Often, yes. Many online lenders weigh revenue and time in business alongside credit, and some consider scores from 550. Checking your options on TopFunders.ai doesn't affect your credit. See business loans for bad credit.
Can a new business get funding?
It is harder in the first months. Many online business lenders look for at least 6 months in business. Equipment financing can be an option earlier, because the equipment secures the loan. See funding for a new business.
What happens after I submit?
You see which funding partners are ready to make your business an offer. Partners in our network may contact you by phone, email or text about your request, as our terms describe. You apply with the partner you choose, and nothing is signed until you do. A match is not an approval: each partner makes its own decision.
Who runs TopFunders.ai, and how are partners vetted?
TopFunders.ai is operated by Funding Holdings LTD. Vetted means we check that each partner is a legitimate business and holds the licenses the law requires to offer business funding in the US. You can reach us at contact@topfunders.ai.
How is TopFunders.ai different from Lendio or Fundera?
Each marketplace works differently: who pays, whether matching involves a credit check, and how many lenders see your details. Our comparison of business loan marketplaces lays these out side by side from each company's own published information. Fundera is also a funding partner in our network.