Start with fit, not just rate
The best financing option depends on use of funds, business age, revenue, credit profile, collateral, geography, and how quickly you need capital.
Business financing
Small Business Loans and Alternative Business Financing
Find SBA loans, SSBCI state credit programs, CDFI microloans, invoice factoring, vendor credit, and working-capital resources for small businesses and startups.
Last updated
Hub content and matching listings are refreshed from the live Bootstrap Directory database.
Data sources
Sources include Grants.gov, SAM.gov, SBIR.gov, CareerOneStop, state agencies, universities, and verified organizations.
Refresh cadence
Listings are checked weekly where source data allows, with stale or closed programs removed from public results.
Get alerts for this topic
Create a free account, run this filtered search, and save it to receive matching funding and training updates.
Featured funding opportunities
Justine PETERSEN Small Business Loans
Justine PETERSEN
DEBTLOCALEquity-Free
$150,000Rolling
Verified Aug 12, 2026
Community Reinvestment Fund USA Small Business Loans
Community Reinvestment Fund USA
DEBTPRIVATEEquity-Free
$500,000Rolling
Verified Aug 12, 2026
SBA 7(a) Loan Program
U.S. Small Business Administration
DEBTFEDERALEquity-Free
$5,000,000Rolling
Verified Aug 12, 2026
SBA 504 Loan Program
U.S. Small Business Administration
DEBTFEDERALEquity-Free
$5,500,000Rolling
Verified Aug 12, 2026
SBA Microloan Program
U.S. Small Business Administration
DEBTFEDERALEquity-Free
$50,000Rolling
Verified Aug 12, 2026
SBA Lender Match
U.S. Small Business Administration
DEBTFEDERALEquity-Free
Amount variesRolling
Verified Aug 12, 2026
USDA Business & Industry Loan Guarantees
USDA Rural Development
DEBTFEDERALEquity-Free
Amount variesRolling
Verified Aug 12, 2026
California Small Business Loan Guarantee Program
California Infrastructure and Economic Development Bank
DEBTSTATEEquity-Free
Amount variesRolling
Verified Aug 12, 2026
Texas Small Business Credit Initiative Programs
Texas Economic Development & Tourism
DEBTSTATEEquity-Free
Amount variesRolling
Verified Aug 12, 2026
New York State Small Business Credit Initiative
Empire State Development
DEBTSTATEEquity-Free
Amount variesRolling
Verified Aug 12, 2026
Florida SSBCI Small Business Loan Support
FloridaCommerce
DEBTSTATEEquity-Free
Amount variesRolling
Verified Aug 12, 2026
USDA Rural Microentrepreneur Assistance Program
USDA Rural Development
DEBTFEDERALEquity-Free
Amount variesRolling
Verified Aug 12, 2026
Compare traditional and alternative sources
Bank and SBA loans can be lower-cost but slower. CDFIs, SSBCI credit support, invoice factoring, and vendor credit may fit borrowers with different timelines or underwriting constraints.
Explore related hubs
SSBCI programs
State loan guarantees, participation loans, collateral support, and equity programs.
CDFI loans
Community lenders and microloan programs.
Invoice factoring
Receivables-based working capital.
Vendor credit
Supplier terms, net accounts, and corporate cards.
Startup perks
Cloud credits and software discounts.
Student competitions
University pitch contests and venture competitions.