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Applying is free and won't impact your credit*
$155K Term loan approved

Compare loan types, terms, and rates.*

SBA loan

Cover just about every aspect of your small business. Some of the most common SBA loans are the 7(a), 504, and SBA Express.
Loan amount
Up to $5M
Speed of Funds
1–3 months
Interest Rate
Prime+

Business term loan

A term loan provides a lump sum that gets repaid in regular intervals over a set amount of time, also known as the loan term.
Loan amount
$5K–2M
Speed of Funds
As soon as 24 hrs
Interest Rate
As low as 6%

Business line of credit

Get a revolving amount of funds to borrow from when you need to and pay back later.
Loan amount
$1k–500K
Speed of Funds
1–2 days
Interest Rate
8%–60%

Short term loan

Use it to cover unexpected costs, survive a slump, finance a short-term project, or even capitalize on a new business opportunity.
Loan amount
$2.5K–500K
Speed of Funds
As soon as 24 hrs
Interest Rate
As low as 8%

Equipment financing

Use this loan to purchase any kind of equipment your business needs. There are financing options for nearly every industry and any variety of items you need.
Loan amount
$5K–5M
Speed of Funds
As soon as 24 hrs
Interest Rate
As low as 7.5%

Business cash advance

A cash advance is a form of funding that offers businesses quick access to funds by borrowing against the money they will make. That borrowed money is then repaid through a fixed daily percentage.
Loan amount
$5K–1M
Speed of Funds
As soon as 24 hrs
Interest Rate
As low as 18%

Minimum requirements for obtaining a small business loan.*

Credit Score
600+
Credit score requirements will vary. While some options are available for scores in the 500s a minimum credit score of 600 will make it easier to qualify for a loan.
TIME IN BUSINESS
6 MONTHS+
While some lenders may allow for 3 months and others may require 1–2 years, six months is a good rule of thumb to follow to improve your chances of qualifying for funding.
MONTHLY REVENUE
$8K+
Lenders will want to see a minimum threshold of monthly revenue. Like the other requirements, the exact minimum will vary by lender and loan type

Compare the best small business loans.

Lender/Funder*
Min. Time in Business
Loan/Financing Amount
Min. Credit Score
Time to Funds
Idea Financial
Line of Credit
$10,000–$275,000
650
Same day
Headway Capital
Line of Credit
$5,000–$100,000
625
Same day
Funding Circle
Term loan
$25,000–$750,000
660
As soon as 3 days
BHG Financial
Term loan
$20,000–$500,000
700
As soon as 3 days
Cadence Bank
SBA 7(a)
Up to $5,000,000
650
As soon as 2 days
BayFirst Financial
SBA 7(a)
Up to $5,000,000
650
As soon as 2 days
Ready Capital
SBA 7(a)
$350,000–$7,000,000
640
As soon as 6 days
Balboa
Equipment Financing
Up to $500,000
620
Same day
ClickLease
Equipment Financing
Up to $20,000
520
Same day
Kapitus
Business Cash Adv.
Up to $5,000,000
650
1 business day
OnDeck
Business Cash Adv.
$5,000–$250,000
625
Same day
Gillman-Bagley
Invoice Factoring
$50,000–$10,000,000
N/A
1 business day
Eagle Business Funding
Invoice Factoring
Up to $5,000,000
N/A
As soon as 2 days

Four simple steps to construction funding.

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Answer a few simple questions and complete the application in minutes.

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We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

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Find the funding option with the terms that best fit your small business goals.

Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

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*The information contained in this page is Lendio’s opinion based on Lendio’s research, methodology, evaluation, and other factors. The information provided is accurate at the time of the initial publishing of the page (DATE). While Lendio strives to maintain this information to ensure that it is up to date, this information may be different than what you see in other contexts, including when visiting the financial information, a different service provider, or a specific product’s site. All information provided in this page is presented to you without warranty. When evaluating offers, please review the financial institution’s terms and conditions, relevant policies, contractual agreements and other applicable information. Please note that the ranges provided here are not pre-qualified offers and may be greater or less than the ranges provided based on information contained in your business financing application. Lendio may receive compensation from the financial institutions evaluated on this page in the event that you receive business financing through that financial institution.