Good credit, bad credit or no SSN — everyone can apply
One request. Ten lenders competing for you.
Stop applying lender by lender. Post your loan request on NiaLend and let banks, credit unions, brokers and private lenders send you real approvals.
Your offers · Working capital · $75,000
Harbor Credit Union
9.4% APR · 60 mo
$75,000
Best valueSummit Business Bank
11.2% APR · 48 mo
$70,000
Atlas Funding Partners
14.9% APR · 36 mo
$75,000
Built for businesses of every size — and for individuals
Small businesses, medium businesses, large enterprises and corporations can apply alongside individuals to secure funding on terms that fit.
How NiaLend works
STEP 1
Tell us what you need
Amount, purpose and what you can comfortably pay each month.
STEP 2
Upload documents once
ID, income, bank statements and proof of address — encrypted and private.
STEP 3
Lenders compete
Up to 10 banks, credit unions, brokers and private lenders pick up your request.
STEP 4
Choose your best offer
Compare approved amounts, APR and terms side by side. Accept one, decline the rest.
Who lends on NiaLend
Three lenders sent offers within two days. I took the credit union and saved $210 a month.
My restaurant was turned down twice. On NiaLend a broker got me approved for equipment.
No SSN, just an ITIN — I still got two real approvals.
Ready to see what lenders will offer you?
Just $4.99/month for borrowers, cancel anytime. No impact on your credit to post a request.
Start my request