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Full Lender Directory — Global Capital Network
Complete Lender Directory

Every Option.
One Place.

An exhaustive directory of personal and business lenders curated for GCN clients — organized by credit profile, loan type, and approval speed so you can find the right fit and stack what you need.

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25+
Lenders across personal & business lending
$500
Minimum credit score options available
$250K+
Maximum available through business lenders
1 Day
Fastest funding available from approval
Personal Lending · Tier 1

Fast Personal Loans — Fair to Good Credit

7
Lenders
🔒
Best starting point for most GCN clients. These lenders use soft-pull pre-qualification, accept scores from 580+, and fund within 1–3 days. Apply to 2–3 simultaneously — it won't hurt your credit until you accept an offer.
01
Soft pull first. Every lender here lets you check your rate with no credit impact. Do this before submitting a full application.
02
Income matters most. These lenders weigh your income and employment as heavily — sometimes more — than your credit score.
03
Stack your approvals. Getting $6,000 + $5,000 from two lenders is a completely legitimate strategy to hit your target.
Lender Min Credit Score Loan Range Funding Speed Best For
UpstartTop Pick
 580 or no score $1K – $50K 1–2 days AI-driven model — weighs education, employment & income over FICO. Best for thin credit files. Check Rate →
UpgradeTop Pick
 620 $1K – $50K Same day Fastest funding of the group. Flexible terms, consistently high approval rates. Check Rate →
LendingPoint
 620 $2K – $36K 1–2 days Cash-flow driven underwriting — great for borrowers with strong monthly income even with mid-range credit. Check Rate →
Avant
 580 $2K – $35K 1–2 days Specializes in the 580–700 range. Solid fallback when other lenders decline. Check Rate →
Best Egg
 640 $2K – $50K 1–3 days Competitive rates for mid-range credit. Good option to stack alongside Upstart or Upgrade. Check Rate →
Prosper
 640 $2K – $40K 2–5 days Peer-to-peer lender. Slightly slower but solid for borrowers with good payment history. Check Rate →
Happy Money
 640 $5K – $40K 2–5 days Focuses on financial wellbeing. Competitive APR for borrowers consolidating debt while funding new goals. Check Rate →
Personal Lending · Tier 2

Higher Credit Profiles — Better Rates & Larger Amounts

5
Lenders
⭐
If your credit score is 680+, start here. These lenders offer significantly better rates and higher loan limits — some up to $100K. They're ideal for clients who need larger amounts or want to minimize interest cost over time.
Poor
300–579
Fair
580–669
Good
670–739
Very Good
740–799
Exceptional
800+
Lender Min Credit Score Loan Range Funding Speed Best For
SoFiHigh Limits
 680 $5K – $100K Same day Highest limits in personal lending. No origination fees. Includes unemployment protection. Check Rate →
Earnest
 680 $5K – $75K 1–3 days Merit-based underwriting weighs career trajectory and savings habits. Ideal for high-income founders. Check Rate →
Discover
 660 $2.5K – $35K Next day No origination fees, trusted brand. 30-day satisfaction guarantee. Strong customer service. Check Rate →
LightStreamLowest APR
 670 (recommended 700+) $5K – $100K Same day Lowest rates in personal lending. No fees of any kind. Requires excellent credit & long history. Check Rate →
Axos Bank
 700 $10K – $50K 1–2 days Competitive rates for well-qualified borrowers. Low origination fee cap. Good for larger single-lender amounts. Check Rate →
Personal Lending · Tier 3

Flexible Options — Any Credit Profile

4
Lenders
📚
Didn't get approved above? Start here. These lenders look beyond credit scores entirely — evaluating collateral, cash flow, community endorsement, or alternative data. Rates are higher but approval odds are significantly better for challenged credit profiles.
Lender Min Credit Score Loan Range Funding Speed Best For
OportunNo Min Score
 No minimum required $300 – $18.5K Same day Designed for thin/no credit files. Reports to all 3 bureaus — helps build credit while you borrow. Check Rate →
OneMain Financial
 No minimum required $1.5K – $20K Same day Secured or unsecured options. In-person branches available for those who prefer face-to-face service. Check Rate →
NetCredit
 550 $1K – $10K Next day Approves where others decline. Good final fallback for clients with poor credit needing smaller bridge amounts. Check Rate →
Kiva0% Interest
 No credit check $1K – $15K 30+ days Nonprofit crowdfunding — zero interest, zero fees. Requires a personal network to seed initial funding. Slower but powerful. Learn More →
Business Lending · Lines of Credit

Business Lines of Credit — Draw What You Need

5
Lenders
📈
Revolving access to capital — draw, repay, draw again. Business lines of credit typically require 6–12+ months of business operation and some monthly revenue. They're ideal if you need flexibility or want ongoing access rather than a one-time lump sum. Most require $10K–$100K+ in monthly revenue.
01
Revenue is the key factor. Lenders want to see consistent monthly deposits. Connect your business bank account during the application — it dramatically speeds approval.
02
You pay interest only on what you draw. A $100K line with $20K drawn means you only pay interest on $20K. Ideal for variable cash needs.
03
Combine with personal loans. Many GCN clients use a personal loan (fast, no revenue required) alongside a business line once the business is established.
Lender Requirements Credit Line Funding Speed Best For
BluevineTop Pick
 625 · 12 mo. in biz · $10K/mo revenue Up to $250K Same day Highest limit for established startups. 5-min application. Comes with free business checking (2% APY). Check Offers →
Fundbox
 600 · 6 mo. in biz · $30K/yr revenue Up to $150K Next day Lowest revenue requirement of any business line. Connects directly to accounting software. 3-min approval. Check Offers →
Kabbage (Amex)
 640 · 12 mo. in biz · $3K/mo revenue Up to $250K Minutes American Express backed. Approves based on live business data. Fast draws at any time with mobile app. Check Offers →
OnDeck
 625 · 12 mo. in biz · $100K/yr revenue $6K – $100K Same day Established lender with high approval rates for qualifying businesses. Instant access once approved. Check Offers →
American Express BusinessNo Prepay Fee
 660 · 12 mo. in biz · $3K/mo revenue Up to $250K 1–3 days No prepayment penalties. Flexible 6–24 month terms. Strong option for founders with Amex relationship. Check Offers →
Business Lending · Term Loans

Business Term Loans — Lump Sum Capital

4
Lenders
📅
One-time funding, fixed repayment schedule. Business term loans give you a lump sum upfront — ideal for a specific large investment. They require more documentation than lines of credit but offer longer terms and potentially lower rates for established businesses.
Lender Requirements Loan Range Funding Speed Best For
LendioMarketplace
 600 · 6 mo. in biz · $50K/yr revenue $1K – $500K+ 24–48 hrs Loan marketplace — one application reaches 75+ lenders. Highest chance of approval across multiple offers. Check Offers →
Biz2Credit
 575 · 6 mo. in biz · $250K/yr revenue $25K – $500K 72 hrs AI matching against 1,500+ lenders. Great for borrowers with lower credit but strong business revenue. Check Offers →
Funding Circle
 660 · 2 yrs in biz · $50K/yr revenue $25K – $500K 2–7 days UK-backed institutional lender. Lower rates than most online lenders. Requires more established business history. Check Offers →
Taycor FinancialLow Credit OK
 550 · 3 mo. in biz · $96K/yr revenue $500 – $500K Same day Equipment-focused but flexible. Lowest credit minimum in business lending. Cash advance option has no credit minimum. Check Offers →
Government-Backed · SBA Programs

SBA Loan Programs — Best Long-Term Rates

3
Programs
🏛
Lowest rates in business lending — but require patience. SBA loans are government-guaranteed, which means lenders take less risk and offer better terms. Approval typically takes 30–90 days. Best for clients who have time to plan ahead and want the most favorable long-term financing. The SBA does not lend directly — you apply through approved banks and lenders.
Program Requirements Loan Range Timeline Best For
SBA 7(a) LoanMost Popular
 650+ credit · 2 yrs in biz · revenue required Up to $5M 30–90 days Flagship SBA program. Lowest rates available. Use for working capital, equipment, real estate, or acquisitions. Learn More →
SBA MicroloanStartup Friendly
 500+ credit · flexible for new businesses Up to $50K 2–8 weeks Administered by nonprofits — more accessible to true startups. Avg. loan ~$15K. Often includes mentorship support. Learn More →
SBA Express
 650+ credit · in business with some revenue Up to $500K 36 hr decision Faster SBA variant. Lender takes more risk in exchange for quicker turnaround. Lines of credit available. Learn More →
Alternative Financing

Revenue-Based & Alternative Options

5
Options
⚡
When traditional loans aren't the right fit. These options use different approval criteria — revenue, invoices, equipment, or card sales — rather than credit scores alone. Rates are typically higher, but access can be much faster and qualification much easier.
Option / Lender Requirements Amount / Access Speed Key Consideration
ClearcoRevenue-Based
 No min credit · $10K+/mo revenue $10K – $10M 48 hrs Repay as a % of monthly revenue — no fixed payment. No equity given up. Ideal for revenue-generating startups. Check Offers →
LendziLow Credit OK
 500 · 6 mo. in biz · $50K/yr revenue Up to $4M 24 hrs Accepts 500 credit scores. Multiple loan types including MCAs. Highest ceiling in this category. Check Offers →
Invoice FactoringNo Credit Check
 Outstanding B2B invoices only 70–90% of invoice value 24–48 hrs Sell unpaid invoices for immediate cash. No debt taken on. Best for B2B startups with slow-paying clients. Learn More →
Equipment Financing
 550 · asset as collateral Up to 100% of asset value Same day Equipment secures the loan — much easier to qualify. Section 179 tax deduction in year of purchase. Low rates. Learn More →
Merchant Cash AdvanceHigh Cost
 No credit min · card sales required $5K – $500K Same day ⚠️ Easiest to qualify, but most expensive. Repaid daily from card sales. Use only as last resort — factor rates can be very high. Learn More →
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