Most loan matching sites sell your information to a dozen lenders at once. We pick the single funding partner most likely to fund your business and send you only to them. Free to use, no credit score impact.
Free. No credit score impact. About 2 minutes.
30+
Vetted funding partners in our network
3,000+
Small businesses helped find funding
1 match
Per application, never auctioned to many
24-48h
Typical funding speed once approved
To find your match we only look at your business profile. No SSN, no Tax ID, no credit pull. Here is exactly what that means.
We never ask for your Social Security number to match you with a funding partner.
We do not collect your EIN or Tax ID. Your match is based on your business profile.
Getting matched does not touch your credit. There is no hard pull from TopFunders.ai.
We use your answers for one thing: finding the single funding partner most likely to fund your business.
Featured Partners
Our network includes Fora Financial, Fundera, Lendzi, Business.com, ICG Funding, Advance Funds Network, Britecap, and 25 more vetted funding partners across SBA, working capital, equipment financing, and lines of credit.
An unsecured business loan gives your business access to capital without putting up collateral such as property or equipment. Unlike traditional bank loans, unsecured loans are approved based on your business performance: revenue, time in business, and credit profile.
They suit business owners who need fast access to working capital, do not want to risk personal or business assets, or cannot qualify for traditional bank financing. The US Small Business Administration also publishes data on small business lending criteria across federally-backed programs.
Typical loan details
How it works
Answer a few quick questions about revenue, time in business, and what you need funding for. About 2 minutes.
Our matching engine compares your profile against our 30+ funding partners and selects the one most likely to approve and fund your business.
Apply directly with your matched funding partner. Most approved businesses receive funds in 24 to 48 hours.
Ready to find your match?
Find My Best OfferWe focus on businesses already generating revenue that need capital to grow, even when credit is not perfect.
Businesses doing $10,000 a month or more in revenue that need capital to grow, hire, or expand.
Companies ready to scale but waiting on invoice payments, seasonal cash flow gaps, or expansion opportunities.
We work with funding partners that evaluate business performance, not just credit score. 550 and above is often enough.
Our partners can fund approved businesses in 24 to 48 hours. No multi-week bank waiting room.
Loan types we match
No collateral required. Approved on business performance. Best for owners who do not want to pledge personal or business assets.
Learn moreGovernment-backed loans with lower rates and longer terms. Longer application but cheaper money. Includes SBA 7(a) and microloans.
Learn moreShort-term funding for payroll, inventory, seasonal gaps, or unexpected expenses. Fast approval and funding.
Learn moreDraw funds when you need them, pay interest only on what you use. Useful for businesses with uneven cash flow.
Learn moreLoans secured by the equipment itself. Often available for newer businesses since the asset acts as collateral.
Learn moreWhy TopFunders.ai
Most matching sites sell your information to ten or more lenders. Here is how we are different.
Other matching sites
TopFunders.ai
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Leave a review on TrustpilotFrom the blog
TopFunders.ai is not a lender and not a directory. It is a free matching platform that connects US small business owners with one pre-vetted lending partner based on their actual business profile, with no impact to their credit score.
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Before you apply for a business loan, know what lenders are actually evaluating. These are the seven factors that decide whether you get approved, and how to strengthen each one.
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Not sure whether to get a business loan or a line of credit? This is a straight comparison of both: costs, qualifications, best use cases, and how to decide.
Read articleContent reviewed by the TopFunders Editorial Team. All guides are fact-checked against SBA.gov, CFPB consumer tools, and our funding partners' published criteria. Read our editorial standards.
FAQ
Everything you need to know about TopFunders.ai and how our matching works.
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 we match you to.
No. Getting matched on TopFunders.ai uses a soft credit check that has zero impact on your credit score. A hard pull only happens later if you accept a specific funding partner's offer.
Nothing. Our service is free for business owners. We are paid by our partners when we successfully match your business. You pay nothing to us at any point.
Many of our funding partners can fund approved businesses in 24 to 48 hours. SBA-backed loans take longer (30 to 90 days). The matching itself takes about 2 minutes.
Most loan-matching sites sell your information to a dozen lenders at once. The result is that your phone rings for days from cold callers. We pick the single funding partner most likely to fund your business and send you only to them. Less spam, better conversations.
Most funding partners in our network 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 revenue, time in business, credit profile, and the loan type.
We have helped over 3,000 small businesses find funding. One match, no spam. Takes about 2 minutes.
Free. No credit score impact. Results in 2 minutes.