Small Business Loans & Financing Options

LoanBuilder lets you quickly customize a business loan to fit your unique business need. If eligible, Business Funding Experts help you get funded quickly – as fast as one business day. LoanBuilder offers fixed weekly payments and amounts up to $500,000. The lender for the LoanBuilder Loan is WebBank, member FDIC.

Kabbage provides working capital to small businesses. They link to your bank or merchant accounts to understand your cash flow and decide what amount you can afford to borrow. The service is easy to use if you need some cash quickly. The approval process can take as few as 7 minutes and you will receive the funding immediately.

OnDeck offers business term loans up to $500,000 and business lines of credit up to $100,000 to qualifying small businesses. The process is simple and looks at the overall health of a business rather than personal credit alone. Their quick application requires little to no paperwork. Decisions can be given in minutes, and funding is delivered in as fast as 24 hours. Apply today!

Get the security of a true revolving line of credit for recurring needs. Draw whenever you want, pay only for what you use. Interest is only charged on the balance and you will never be penalized for paying it off early.

Funding Circle provides a term loan at low rates with a fast and simple process, so you can get back to running your business. Funding Circle is a leader in transparency – no charge to apply, no hidden fees, and no prepayment penalties. Their terms range from 1 to 5 years and are paid down monthly, not daily. Rates start as low as 4.99%. Funding Circle helps merchants build business credit. They report back to both Experian & D&B and open trade lines on good payment history.

Rapid Advance is one of the largest merchant cash advance providers. Like all MCA providers, instead of charging an interest rate, you sell a portion of your future card sales in exchange of an upfront lump sum. Your total payment will be capped, typically 125% – 150% of the borrowed amount, which is expected to be paid back within a year. Unlike other MCA providers, RapidAdvance doesn’t charge a monthly minimum. The payment would be solely based on your monthly card sales. They also don’t require your business asset as a collateral, which other MCA providers typically request.

American Express® Business Loans are unsecured loans that are only offered to pre-approved American Express Business Card Members. American Express® Business Loans are designed to be used for business purposes, such as to consolidate existing business card debt or to fund inventory purchases, expand operations or increase working capital. American Express® Business Loans cannot be used for consumer, personal, family or household purposes, to repay any indebtedness to American Express or for any purpose prohibited by law. *Card Member must be pre-approved for an American Express® Business Loan offer in order to apply. Card Member’s pre-approved loan amount and maximum APR are based on the creditworthiness of Card Member and its business and other factors. Not all pre-approved Card Members will be eligible for the lowest APR or the highest loan amount.

Get more money for less with low-cost loan options, and enjoy repayment terms up to 18 months. Receive up to $500,000 in funds for your business in just 3 days to use for any business purpose. Whether you need to supplement existing traditional financing or just need alternative working capital, offers fast and flexible solutions to help your business do great things.

Credibly leverages data science, technology, and an energetic focus on the customer experience to provide loan products that are tailored to your business’s short-term needs and long-term goals. With the ability to provide up to $250,000 in capital in as little as 24 hours, their fast, flexible capital solutions are ideal for both growth initiatives and supporting working capital. Soft credit pulls only – No collateral required.

OnDeck offers business term loans up to $500,000 and business lines of credit up to $100,000 to qualifying small businesses. The process is simple and looks at the overall health of a business rather than personal credit alone. Their quick application requires little to no paperwork. Decisions can be given in minutes, and funding is delivered in as fast as 24 hours. Apply today!

LendSpark’s creative, ethical financing solutions fuel growth for businesses of all sizes and stages. They provide fast, secure and flexible options to grow your business while protecting your personal credit. LendSpark offers a true line of credit and is based on equipment and accounts receivable. Funds can be used for working capital, refinancing debt, expansion or contraction of business, or new projects and new revenue opportunities.

LendSpark’s creative, ethical financing solutions fuel growth for businesses of all sizes and stages. They provide fast, secure and flexible options to grow your business while protecting your personal credit. Great when purchasing new and used equipment or using existing, free and clear equipment.

ForwardLine provides fast, affordable business loans to small businesses. Over the past 13 years, we have built our business reputation as a direct lender with the most competitive rates and the highest level of customer service. Rates are reasonable and affordable with no hidden fees. Our application process is easy, free and won’t affect your FICO® score. Apply now, and get an instant credit decision, with funds in your account in as little as one business day.

You built your business on big ideas. So when the next one comes along, don’t let a lack of capital stand in the way. As an American Express® Card-accepting business, you have access to American Express Merchant Financing®, a simple, cost-effective term loan. If approved, you can borrow up to $2 million. And it’s easy—from the low fixed fee to the ability to set up automatic repayment. The majority of business owners who have taken advantage of Merchant Financing come back for second loan. American Express wants to help you get business done. Get started today!

Bankers Healthcare Group provides flexible funding to accommodate any business need and will wire-transfer the funds in as few as 3 days. With minimal paperwork and no personal collateral requirements, they ensure a hassle-free process that won’t take time out of your busy schedule. Get a working capital loan for $20K – $500K to make improvements to your medical practice, add specialty services, hire staff, consolidate business debt or startup another business. BHG has worked with over 100K healthcare professionals and provided more than $3 billion in financial solutions nationwide.

Fundation Group LLC is a technology-empowered direct lender that delivers small balance commercial loans. The firm provides fixed rate loans up to $350,000 using its own capital. Fundation fills a void in the small balance commercial loan market by offering loans to businesses that banks are unwilling or unable to lend to, and those that desire a simplified process, with capital on terms that will enable them to grow. Fundation’s technology streamlines the loan application process by collecting third party data and automating the majority of the credit review process.

The Business Backer connects businesses with the financial sources they need, from traditional bank loans to alternative financing and other lines of credit. The Business Backer has reinvented the business lending system through their consultative process and honest appraisal of all the financial options available to a business. This unique approach, combined with a team of expert advisors, has allowed them to service thousands of customers across the United States.

LendSpark’s creative, ethical financing solutions fuel growth for businesses of all sizes and stages. They provide fast, secure and flexible options to grow your business while protecting your personal credit. Great when needing funds for payroll, a bridge loan, expansion, new projects, hiring staff, or for working capital.

Headway Capital’s True Line of Credit allows you to draw up to your available limit and borrow more as you repay with the click of a button. Choose between monthly or weekly payment options over the course of 12, 18, or 24 months. We offer clear and flexible payment terms while allowing you to repay at any time without incurring any additional fees. Draw funds whenever you need them for business expansion, working capital, inventory purchases, or any other business expense. Our True Line of Credit offers small businesses a unique funding solution and access to funds within one business day.

The Fundbox Line of Credit is a common sense approach to small business funding, with no paperwork or minimum credit score required. You can qualify for up to $100,000 in credit. Fundbox offers transparent pricing with no origination or application fees, with one simple weekly fee that’s based on the amount you draw. Fundbox is trusted by small businesses owners and industry experts, with over 90,000 small business customers served.

Strategic Funding offers short term loans up to $500,000 in as little as 24 hours. The process is quick and easy with limited documentation and offers the best prepayment discounts in the industry. This funding is ideal for inventory, immediate cash flow, bridge financing or any other use you may need for financing your business over a term of 3 – 36 months.

Sometimes businesses only need capital to cover a temporary shortfall in their cash flow in instances like paying suppliers upfront for purchase orders or fulfilling an order of job prior to payment. Lendistry’s Short-Term Loans are perfect for small businesses that need to acquire funding quickly but expect to repay the loan within 6-12 months. Lendistry’s Short-Term Loans offer competitive rates, transparent terms, and flexible repayment options.

Breakout Capital offers small business loans of up to $200,000 with terms from 6 to 24-months and daily, weekly, or monthly repayment options available to qualified customers. With a focus on transparency, customer service, and responsible lending, Breakout offers unique features with each and every loan: Early repayment benefits, graduation rates, no double dipping, and no hidden or junk fees. Their sales team supports you through the entire funding process, answering your questions every step of the way.

Lendistry’s SBA Loans offer qualifying businesses planning for long term growth rates no higher than 10.25%*, terms up to 10-years, and monthly payments. Lendistry’s experienced team members and streamlined online application can expedite the SBA process, and our access to state and federal loan guarantee programs mean we can be more flexible with collateral requirements. *Varying rates subject to loan amount, loan term, and current prime rate.

Lendistry’s Traditional Term Loans are designed for small businesses planning for long-term growth. Some of our clients have used our Traditional Term Loans to cover the expense of opening a second location, creating and retaining staff positions, purchasing equipment, buying inventory, and covering day-to-day options. Lendistry’s Traditional Term Loans offer competitive rates, transparent terms, and flexible repayment options.

Fundation Group LLC is a technology-empowered direct lender that delivers lines of credit using its own capital. Fundation’s technology streamlines the application process by collecting third party data and automating the majority of the credit review process. They are committed to your success and take the time to understand what truly makes sense for your business, your financial goals, and your immediate and long-term capital needs.

Fundbox offers business owners a simple way to fix their cash flow by advancing payments for their outstanding invoices. Fundbox is a small business solution designed by a small business. It was built by a group of technological innovators and financial professionals with the mission of helping small businesses grow, become independent and achieve their full potential.

BlueVine gives small businesses an immediate advance on their outstanding invoices. We help businesses that experience long payment cycles or have lumpy or irregular cash flow free up their cash. With BlueVine, businesses can pay expenses, cover payroll, buy inventory or take on additional work. BlueVine is integrated with the most popular accounting software, enabling small businesses to get funded with a click of a button.

Strategic Funding offers intermediate-term loans up to $500,000 in as little as 24 hours. The process is quick and easy with limited documentation and offers the best prepayment discounts in the industry. This funding is ideal for payroll, expansion, equipment, or any other use you may need for financing your business over a term of 2-5 years. Our intermediate term loans start at 5.99%.

LiftForward specializes in small business lending. They are here to help you grow and capitalize your business. The key difference with LiftForward is that they will structure the right loan product for you. Their clients stay with them because they are able to increase the size of your loan as you grow. Many of their customers started with a $50,000 loan and now have $1,000,000 loans. They provide working capital, purchase order and asset backed loans. We will also refinance your MCA loan into a monthly product.

Credibility Capital provides fair, affordable funding to help small businesses grow and succeed. They offer transparent, fully amortizing term loans up to $350,000 that are paid in fixed monthly payments over 2 or 3-year terms. Rates start at 8% and there are no prepayment penalties or other hidden fees. Their application takes just 5 minutes to complete and applying will not effect your credit score. Their superior product, simple process and best-in-class customer service have earned an A+ grade from the Better Business Bureau.

TimePayment is an award-winning equipment leasing company that specializes in transactions with a selling price starting as low as $500, and up to $100,000. Through their network of over 10,000 independent Vendors, and utilizing their multi-level credit scoring model, they are able to approve a wide range of customers from large corporations to small businesses, including new entities. TimePayment programs are designed to meet the needs of the broadest range of equipment buyers and sellers with competitive finance solutions for equipment of all types, and support for every credit profile. With industry-leading, cutting-edge technology, they are able to approve transactions under $10,000 online within seconds, and larger transactions within hours.

Currency Capital is a leading online equipment financing network serving thousands of small- and medium-sized businesses across the U.S. Business owners are provided with unparalleled, instant access to financing options from a multitude of lenders with “one click,” making the entire application, selection, approval and funding process simple and transparent.

SmartBiz commercial real estate loans allow small business owners to build net worth by owning the commercial property they operate in. Long terms, minimal down payments, and low rates allow for manageable monthly payments. The 25-year, fully amortizing term, eliminates the stress and risk of loan maturities and balloon payments.

Nominated as the “Fastest Merchant Cash Advance” by Fit Small Business, Credibly combines big data and a strong focus on the customer experience to provide up to $250,000 in capital in return for a portion of your future receivables. Because these payments are tied to future sales, you’ll never pay more than you can afford. Their fast funding and flexible repayments are ideal for working capital solutions and are favorable for businesses who experience seasonality. Soft credit pulls only – No collateral required.

Working Capital Terms from American Express is short-term financing for eligible American Express Card Members to pay their vendor invoices at competitive rates, with no collateral required. American Express pays the invoices up front, within two business days via ACH, and the Card Member can choose 30, 60, or 90 days to pay them back – whichever works best for them. *The amount a Card Member can borrow and their fee are based on the overall financial profile of the Card Member and their business, including their purchase and payment history with American Express and other financial institutions, and their credit record data. Fees are between 0.5% – 1.0% for 30 days, 1.0% – 2.0% for 60 days, and 1.5% – 3.0% for 90 days. Not all customers will be eligible for the lowest fee.

The ROBS structure isn’t new — in fact it’s been an option for years — but many financial advisors and stock brokers aren’t aware of these investments because they don’t provide sufficient profit for their institutions. Essentially, you’re investing in yourself. Without loan interest to pay, you can make money sooner rather than later. And unlike the stock market this is an investment you can control. This tried-and-true structure is a fast, legal funding option that’s been in use since the Employee Retirement Income Security Act became a law in 1974.

StreetShares is an affinity-based small business lending marketplace that connects small business owners with accredited and institutional investors. Investors compete in an online auction to fund portions of the requested loan, and StreetShares combines the lowest bids into a single loan. StreetShares blends peer-to-peer lending with traditional banking. While open to all small business owners, StreetShares is veteran-owned and has a particular focus on funding veteran-owned business.

StreetShares is an affinity-based small business lending marketplace that connects small business owners with accredited and institutional investors. Investors compete in an online auction to fund portions of the requested loan, and StreetShares combines the lowest bids into a single loan. StreetShares blends peer-to-peer lending with traditional banking. While open to all small business owners, StreetShares is veteran-owned and has a particular focus on funding veteran-owned business.

Procuring financing for business ventures is often challenging for small business owners. From startup phase to the expansion of your business, you may find it difficult to overcome the requirements of traditional bank loans. Newtek may be able to help. Newtek term loans offer flexibility to business owners because financing can be guaranteed for a variety of general business uses including: working capital, debt refinancing, and equipment purchases, just to name a few.

Procuring financing for business ventures is often challenging for small business owners. From startup phase to the expansion of your business, you may find it difficult to overcome the requirements of traditional bank loans. Newtek may be able to help. Newtek term loans offer flexibility to business owners because financing can be guaranteed for a variety of general business uses including: working capital, debt refinancing, and equipment purchases, just to name a few.

Kiva is a non-profit that provides entrepreneurs with 0% interest loans up to $10,000. Kiva loans are crowdfunded by a global community of over one million people who can be potential customers and brand ambassadors for your business. They have a 94% funding success rate and you can apply online at kiva.org/borrow.

Celtic Bank is a nationwide small business lender specializing in SBA loans. The Celtic Bank Express Loan was specifically designed with small business owners in mind. Our streamlined loan program offers working capital loans with lower interest rates and extended repayment terms. Celtic Bank is the 6th largest SBA lender in the nation for FY 2015.

LoanMe works well for businesses that don’t qualify for traditional loans or for businesses that have urgent short term cash needs. If you don’t meet a traditional lender’s underwriting requirements because of your personal credit, industry, or loan amount, they could help. See loan options and cost with no hidden fees, only paying interest for the days you borrow. Requires at least 3 months in business, a business bank account, and personal credit +500.