Business Line of Credit
Revolving working capital, draw only what you need.
Learn moreUS lead product · Working capital
Alternative Financing
Short-term & unsecured term loans outside traditional bank underwriting.
$5k – $2M3 months – 5 years24 – 72 hours
- Short-term working capital
- Bridge financing
- Credit-challenged & startup options
What is alternative financing?
Alternative financing is a catch-all for non-bank term products, short-term loans, unsecured term loans, and hybrid revenue-based structures. Underwriting is bank-statement led and moves in days, not weeks.
These leads convert well for buyers with a broad lender panel, because a single enquiry can typically be placed with 2–3 funders depending on credit profile.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $5k – $2M
- Typical term
- 3 months – 5 years
- Indicative rates
- 10% – 45% APR (indicative)
- Funding speed
- 24 – 72 hours
- Typical borrower
- Growing or credit-challenged US businesses, seasonal operators, and time-sensitive opportunities.
- Why brokers want these
- Higher approval rates than bank products, broad borrower profile, fast payout.
Common use cases
- Businesses declined by banks needing sub-30-day capital
- Startups past the 6-month mark but pre-bankable
- Bridge to SBA or CRE closings
- Time-sensitive opportunistic buys
Typical borrower qualifications
- 6+ months TIB
- $15k+ monthly revenue
- FICO 550+
Why brokers buy from us
Why working capital brokers buy alternative financing leads from us
What makes this feed different from generic aggregator flow.
Enquiry tagged with likely product match so your BDO team routes to the right funder on day one
Broad-panel shared tier gives the strongest cost-per-funded-deal for multi-lender brokers
Prior declines flagged where disclosed, informs which lender to lead with
Compare
How alternative financing compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Term Loans
Term loans are a specific alt-finance structure with fixed monthly payment; alt-finance is the broader catch-all.
View Term Loansvs Merchant Cash Advance
MCA is one specific alt-finance product for card-heavy merchants; alt-finance also spans term and LOC.
View Merchant Cash Advancevs SBA Loans
SBA is the bank-grade alternative; alt-finance is for borrowers who can't wait 60+ days or don't meet the SBA credit box.
View SBA LoansOur lead generation process
How we generate alternative financing leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- Google Search Ads on 'business loan alternative' and 'bank declined business loan'
- SEO for comparison content across MCA, term, LOC and RBF
- Broker network referrals of files that don't fit primary panel
- Retargeting funnel from higher-intent product pages (LOC, MCA)
Data captured on each lead
- Requested amount, use of funds and preferred structure (term vs revenue-flex)
- Time in business, monthly revenue and industry
- Owner FICO band and prior declines (if disclosed)
- State and existing debt / stacking status
Vetting workflow
- 6-month TIB and $15k revenue gate applied
- Broad-panel routing, enquiry tagged with likely product match (term, MCA, LOC)
- Restricted-industry filter
- TCPA + CAN-SPAM consent with IP, timestamp, source URL
What a lead looks like
Verified enquiry
$5k · Alternative Financing
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- Requested amount, use of funds and preferred structure (term vs revenue-flex)
- ✓
- Time in business, monthly revenue and industry
- ✓
- Owner FICO band and prior declines (if disclosed)
- ✓
- State and existing debt / stacking status
- ✓
Who this suits & how we qualify
Best fit for
Broad-panel brokers, ISOs, and marketplace lenders.
Qualification standard
- 6-month TIB and $15k revenue gate applied
- Broad-panel routing, enquiry tagged with likely product match (term, MCA, LOC)
- Restricted-industry filter
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of alternative financing leads.
Related products
Other working capital lead flows we supply.
Merchant Cash Advance
Advance against future card sales, flexible repayments.
Learn moreTerm Loans
Traditional and online fixed-payment term loans.
Learn moreReady for vetted Alternative Financing enquiries?
Tell us your credit box and volume, we'll come back within one business day.