Virtual bank4.3 / 5
Fusion Bank
Best for: Start-ups and fully digital applications
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Fully digital
SFGS 80%Start-up loanSFGS 80%
Read researched review →Lender database
Fintech and digital business lenders
Compare e-commerce, invoice, revenue and virtual-bank funding.
Research statusVerified 17 July 2026
Primary sources checked. Product pricing remains subject to lender assessment.
How we verify →Coverage
9 providers in this view
Editorial scores measure product clarity, range, accessibility, cost disclosure and specialist fit. They are not customer-review scores.
Virtual bank4.2 / 5
ZA Bank
Best for: Digital SME lending
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%Business loanSFGS 80%
Read researched review →Virtual bank4.2 / 5
PAO Bank
Best for: Trade-linked and alternative-data lending
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%SME loanSFGS 80%
Read researched review →Virtual bank4.1 / 5
Ant Bank Hong Kong
Best for: Alipay-linked merchants
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%SME loanSFGS 80%
Read researched review →Virtual bank4.1 / 5
livi bank
Best for: Digital small-business facilities
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%SME loanSFGS 80%
Read researched review →Fintech4.4 / 5
FundPark
Best for: E-commerce inventory and purchase orders
- Published scale
- Data-led limit after assessment
- Term
- Transaction dependent
- Process
- Online assessment
Inventory financePurchase-order finance
Read researched review →Fintech4.3 / 5
Qupital
Best for: Marketplace and Shopify sellers
- Published scale
- Based on connected platform settlements
- Term
- Bullet or 13-instalment structures
- Process
- Online assessment
E-commerce financingBullet loan
Read researched review →Fintech4.0 / 5
Velotrade Management
Best for: Invoice and trade receivables
- Published scale
- Invoice-based limit
- Term
- Usually tied to invoice maturity
- Process
- After invoice verification
Invoice financingReceivables finance
Read researched review →Finance company3.7 / 5
Public Finance
Best for: Hire purchase and leasing
- Published scale
- Asset-dependent limit
- Term
- Asset dependent
- Process
- Quote based
Hire purchaseLeasing
Read researched review →Full comparison
Scan every provider
Tables become labelled cards on smaller screens.
| Lender | Type | Published scale | Term | SFGS 80% | Review |
|---|---|---|---|---|---|
| Fusion BankStart-ups and fully digital applications | Virtual bank | Quote based; SFGS available | Product dependent | Yes | Details → |
| ZA BankDigital SME lending | Virtual bank | Quote based; SFGS available | Product dependent | Yes | Details → |
| PAO BankTrade-linked and alternative-data lending | Virtual bank | Quote based; SFGS available | Product dependent | Yes | Details → |
| Ant Bank Hong KongAlipay-linked merchants | Virtual bank | Quote based; SFGS available | Product dependent | Yes | Details → |
| livi bankDigital small-business facilities | Virtual bank | Quote based; SFGS available | Product dependent | Yes | Details → |
| FundParkE-commerce inventory and purchase orders | Fintech | Data-led limit after assessment | Transaction dependent | Not listed | Details → |
| QupitalMarketplace and Shopify sellers | Fintech | Based on connected platform settlements | Bullet or 13-instalment structures | Not listed | Details → |
| Velotrade ManagementInvoice and trade receivables | Fintech | Invoice-based limit | Usually tied to invoice maturity | Not listed | Details → |
| Public FinanceHire purchase and leasing | Finance company | Asset-dependent limit | Asset dependent | Not listed | Details → |
Research matches
9 useful starting points
Filtered for your inputs and sorted by editorial score.
Fintech4.4 / 5
FundPark
Best for: E-commerce inventory and purchase orders
- Published scale
- Data-led limit after assessment
- Term
- Transaction dependent
- Process
- Online assessment
Inventory financePurchase-order finance
Read researched review →Virtual bank4.3 / 5
Fusion Bank
Best for: Start-ups and fully digital applications
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Fully digital
SFGS 80%Start-up loanSFGS 80%
Read researched review →Fintech4.3 / 5
Qupital
Best for: Marketplace and Shopify sellers
- Published scale
- Based on connected platform settlements
- Term
- Bullet or 13-instalment structures
- Process
- Online assessment
E-commerce financingBullet loan
Read researched review →Virtual bank4.2 / 5
ZA Bank
Best for: Digital SME lending
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%Business loanSFGS 80%
Read researched review →Virtual bank4.2 / 5
PAO Bank
Best for: Trade-linked and alternative-data lending
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%SME loanSFGS 80%
Read researched review →Virtual bank4.1 / 5
Ant Bank Hong Kong
Best for: Alipay-linked merchants
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%SME loanSFGS 80%
Read researched review →Virtual bank4.1 / 5
livi bank
Best for: Digital small-business facilities
- Published scale
- Quote based; SFGS available
- Term
- Product dependent
- Process
- Digital application
SFGS 80%SME loanSFGS 80%
Read researched review →Fintech4.0 / 5
Velotrade Management
Best for: Invoice and trade receivables
- Published scale
- Invoice-based limit
- Term
- Usually tied to invoice maturity
- Process
- After invoice verification
Invoice financingReceivables finance
Read researched review →Finance company3.7 / 5
Public Finance
Best for: Hire purchase and leasing
- Published scale
- Asset-dependent limit
- Term
- Asset dependent
- Process
- Quote based
Hire purchaseLeasing
Read researched review →