Compare loan types, SBA programs, and fintech lenders in one place. Find the right funding for your stage, see real provider offers, and get matched in minutes.
From SBA loans to merchant cash advances — find the right type for your need.
| Loan Type | Amount | Rate | Term |
|---|---|---|---|
| SBA 7(a) Loan | $50K – $5M | 8% – 11% APR | Up to 25 years |
| Term Loan | $5K – $500K | 10% – 30% APR | 1 – 5 years |
| Business Line of Credit | $10K – $250K | 12% – 25% APR | Revolving |
| Equipment Financing | $10K – $1M | 6% – 20% APR | 2 – 7 years |
| Invoice Factoring | $5K – $500K | 1% – 3% per month | Until invoices paid |
| Merchant Cash Advance | $5K – $250K | 1.1x – 1.5x factor | 3 – 18 months |
| Revenue-Based Financing | $5K – $500K | 1.1x – 1.5x factor | 3 – 18 months |
| Business Credit Card | $1K – $50K | 15% – 25% APR | Revolving |
Government-backed loans offer the lowest rates and longest terms — but take longer to close.
The most common SBA loan for general business purposes including working capital, equipment, and real estate.
For major fixed assets like real estate or large equipment. Provided through CDCs (Certified Development Companies).
Small loans for startups and small businesses, delivered through nonprofit community lenders.
Faster approval SBA 7(a) loan with a streamlined process for businesses needing quick decisions.
Online lenders with fast approval — compare minimum requirements and funding speed.
| Lender | Specialty | Speed | Min Credit | Min Revenue |
|---|---|---|---|---|
| OnDeck | Short-term loans & lines of credit | 24 hours | 600 | $100K/yr |
| Kabbage (American Express) | Lines of credit | 1 – 3 days | 600 | $50K/yr |
| Fundbox | Lines of credit & invoice financing | 1 – 2 days | 600 | $100K/yr |
| BlueVine | Lines of credit & invoice factoring | 1 – 3 days | 625 | $120K/yr |
| Credibly | Working capital & merchant cash advances | 24 hours | 500 | $180K/yr |
Lender requirements change frequently. Pre-qualify to see your actual offers.
The right funding depends on where your business is today.
$5K – $50K
Focus on building credit and a solid business plan. Pre-revenue businesses rarely qualify for bank loans.
$10K – $250K
Time in business and monthly revenue open more doors. Keep personal credit above 680 for the best rates.
$50K – $1M
Strong revenue and clean financials qualify you for lower-rate bank and SBA financing.
$250K – $5M+
Time for expansion, acquisition, or real estate. Work with a financial consultant to structure the right deal.
Business Financing
Get pre-approved for SBA 7(a) and Express loans up to $5M with up to 25-year repayment terms. Low rates, no collateral on credit lines, and no upfront fees. We handle acquisition, refinance, partner buyout, and commercial real estate financing.
Crowdfunding
— Demo provider Reg CF Crowdfunding Campaigns.
Equipment Financing
— Demo provider Equipment Financing.
Business Financing
— Demo provider Working Capital Loans $50K–$5M.
Most online lenders require a personal credit score of 600+. SBA loans and bank loans typically require 680+. Higher scores get better rates. If your score is below 600, look at merchant cash advances or revenue-based financing, which weigh revenue more than credit.
Lenders typically offer 10% – 25% of your annual revenue. A business doing $500K/year may qualify for $50K – $125K. SBA loans can go higher based on cash flow and collateral. Pre-qualify with multiple lenders to compare offers without affecting your credit.
SBA loans are partially guaranteed by the government (up to 85%), which reduces lender risk and results in lower rates and longer terms. Regular business loans from banks or online lenders are not government-backed, so they are faster but typically cost more.
Merchant cash advances and online short-term loans fund in 24 – 48 hours. Online term loans take 1 – 3 business days. SBA loans take 2 – 6 weeks. Bank loans take 2 – 4 weeks. The faster the funding, the higher the cost.
Yes, for loans under $25,000 most online lenders do not require collateral. SBA Express loans up to $25,000 are also unsecured. For larger amounts, expect to provide collateral (real estate, equipment, inventory) or a personal guarantee.
Revenue-based financing gives you a lump sum in exchange for a percentage of future daily or weekly revenue. Instead of fixed monthly payments, you pay a set factor rate (e.g., 1.3x) through automatic debits. It is fast and flexible but more expensive than a traditional loan.
A term loan is best for one-time purchases (equipment, expansion) with a fixed repayment. A line of credit is better for ongoing or seasonal cash flow needs — you draw and repay as needed, paying interest only on what you use. Many businesses use both: a loan for big investments and a line of credit for working capital.
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