Alt Lending

Alt Lending is a commercial-finance broker, not a retailer; it arranges short-term working-capital loans, revenue-based financing, equipment leases and lines of credit from $10 k to $5 M for small and mid-size U.S. businesses. Services are delivered entirely online—applications, document upload, rate quotes and funding are handled through its portal and partner marketplace—so there are no physical branches or consumer-facing stores. Pricing is mid-to-premium: factor rates or APRs reflect the higher risk of alt-doc underwriting, with commissions paid by the funding lenders, not the borrower. The company differentiates by specializing in “alternative” documentation: borrowers can qualify using bank statements, merchant-processing data or 1099s instead of tax returns, and approvals as fast as 4 hours with same-day funding are marketed. Its proprietary scoring model layers traditional credit bureau data with real-time cash-flow analytics, allowing it to place deals that banks decline while still offering rates below most merchant-cash-advance providers. A notable product is the “90-Day No-Interest Bridge,” a revolving line designed for inventory-flush e-commerce sellers. Typical clients are owner-operated businesses—construction subcontractors, Amazon third-party sellers, medical practices, restaurant groups—that need $50 k–$500 k quickly to cover payroll, inventory or equipment and cannot wait for SBA timelines. They value speed, transparency on payback schedules and the ability to renew or top-up after 30-40 % principal reduction, aligning with entrepreneurial, growth-oriented mindsets rather than cost-minimization. Alt Lending competes with direct online lenders, MCA funders and bank-affiliated brokerage channels. It separates itself by remaining lender-agnostic (access to 75+ capital sources), offering dedicated deal analysts instead of call-center scripts, and capping broker fees below industry average, positioning the firm as a faster, more flexible middle ground between conservative bank term loans and high-cost daily-payment advances.