Best Small Business Loans

Lendio is a small business loan marketplace for borrowers that want to compare multiple offers without applying to each lender separately.

With one application, businesses can access a large lender network, compare potential offers, and use Lendio’s matching service for free. Rates, terms, and requirements vary by lender and loan type.

Lendtek is a mobile-friendly loan marketplace for businesses that want to compare funding options through an app.

Borrowers can apply from a mobile device, connect with multiple lending partners, and potentially receive funding in as little as a few hours. Lendtek also offers access to HELOCs, which is less common among business loan marketplaces.

AdvancePoint Capital is a business loan marketplace for borrowers who want guided support while comparing funding options.

Businesses can apply online, connect with lending partners, and potentially qualify for short- or long-term financing. Rates, terms, and requirements vary by lender, and AdvancePoint does not clearly publish all revenue or time-in-business requirements.

Revenued is a financing option for established businesses that may not qualify based on personal credit alone.

Instead of focusing mainly on credit score, Revenued uses business revenue to determine eligibility for its Flex Line. Approved businesses can access funds through the Revenued Business Card, with costs based on the amount used.

BusinessLoans.com is a small business loan marketplace for borrowers who want to compare funding options through one application.

The marketplace works with businesses at different credit levels, including some lower-credit borrowers. Funding options, rates, terms, and requirements vary by lender, and stronger applicants may qualify for more favorable offers.

OnDeck is a direct online lender for businesses that need fast access to working capital.

Borrowers can apply online for a term loan or business line of credit, with same-day funding possible in some states. OnDeck’s rates can be high, but the lender offers clear terms, repeat-borrowing options, and reports payments to business credit bureaus.

SmartBiz is a loan marketplace for established businesses that want a more streamlined way to apply for SBA funding.

Through one application, eligible borrowers can connect with bank lenders for SBA loans and other business financing options. Requirements are higher than many online lenders, but qualified businesses may access lower-cost, longer-term funding.

Fundbox is a direct online lender for businesses that need a line of credit with relatively low borrower requirements.

Eligible borrowers can apply online, receive a quick approval decision, and potentially get funds by the next business day. Fundbox may work for newer businesses or lower-credit borrowers, but rates and repayment terms should be reviewed carefully.

Wells Fargo is a traditional bank option for businesses that want a line of credit with bank-backed rates and terms.

Creditworthy borrowers may qualify for lower-cost lines of credit, while newer businesses may still have options through Wells Fargo’s smaller credit lines. Wells Fargo also offers SBA loans for businesses that need larger, longer-term financing.

Accion Opportunity Fund is a nonprofit lender for small businesses that may need more flexible underwriting than a traditional bank offers.

Accion is startup-friendly and focuses on expanding access to capital for underserved entrepreneurs. Borrowers may also get access to business coaching, educational resources, and support beyond funding.

Kiva U.S. is a crowdfunding-based lender for small businesses that want access to interest-free financing.

There are no minimum credit score, revenue, or time-in-business requirements. Borrowers start with private fundraising through friends and family, then move to public fundraising through Kiva’s lender network if eligible.