Small Business Loans & Financing Options

SmartBiz combines the benefits of a traditional SBA loan without the long and tedious application process (typically 60-90 days). Since SBA loans are government-subsidized, their rates are among the most favorable for lenders. SmartBiz's application is fully online and automated and, if approved, you get your loan in less than one month from start to finish. Their list of requirements are long, but their online application takes out a lot of the pain typically associated with SBA loans. Pay attention to the requirements list on the right to make sure you qualify before you try applying. The requirements are strict so you can save yourself a lot of trouble by making sure you qualify before starting down this road.

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 7 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. Funding Circle works with All Entities Types, including Sole Proprietors. They can also help Sole Props start their business credit profile by opening up their first business credit trade line.

Kapitus 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.

Kabbage Funding™ is a registered trademark of American Express offering a Line of Credit/LOC that allows qualified customers to make withdrawals. Total line is determined at application and constantly monitored and re-assessed. When funds are withdrawn from the line, a loan is created. The loan has short-term repayment options (subject to eligibility).

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 $150,000 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.

Credibility Capital provides fair, affordable funding to help small businesses grow and succeed. They offer transparent, fully amortizing term loans from $50,000 up to $500,000 that are paid in fixed monthly payments over 1 to 5-year terms. Rates start as low as 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.

OnDeck offers business term loans up to $250,000 and business lines of credit up to $100,000 to qualifying small businesses. The process is fast and easy and looks at the overall health of a business rather than personal credit alone. Their application requires only 3 months of business bank statements. Decisions can be made in minutes, and funding is delivered in as fast as 24 hours.

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!

Kapitus 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. Their intermediate term loans start at 5.99%.

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.

Get more money for less! With low-cost loan options, enjoy repayment terms of up to 18 months with daily or weekly repayment options. Receive up to $600,000 in funds for your business in as little as 24 hours to use for any business purpose. Whether you need to supplement existing traditional financing, or just alternative working capital, we offer fast and flexible solutions to help your business do great things.

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.

Yardline's e-commerce focus and expertise provides online sellers with up to $1mm in unrestricted, non-dilutive growth capital and guidance. Yardline makes funding hassle-free so you can focus on growing your business. Our application process is easy, our approvals are quick! Once you’ve received funding, Yardline matches you with an e-commerce expert who can provide in-depth business consultations, help tackle operational issues, and identify strategic opportunities to expedite growth and increase profitability for your business.

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.

Rapid Finance 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, Rapid Finance 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 collateral, which other MCA providers typically request.

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.

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.