Business Line of Credit Reviews
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Newtek Small Business Finance
Read Review Visit SiteNewtek is a direct lender that provides personalized solutions to fit the specific needs of each small business that seeks financing. Newtek is ideal for small businesses but be wary of its opaque rates and terms.
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Guidant Financial
Read Review Visit SiteGuidant Financial is an alternative lender that specializes in Rollovers as Business Startups (ROBS). It also offers SBA loans and lines of credit. Guidant is suitable for mature businesses with excellent credit.
Credit Score:
650+
Borrowing Amount:
Less than $50,000 up to $250,000
Minimum Time to Funding:
2 weeks+ -
Excel Capital
Read Review Visit SiteExcel Capital is an online lender offering unsecured business loans, business lines of credit, and other similar financial products. Its rates on unsecured business loans are reasonable but the line of credit fee structure can pile up the costs. Excel is not the most transparent lender.
Minimum Time in Business:
Less than 1 year
Required Annual Revenue:
$100,000+
Borrowing Amount:
Less than $50,000 up to $1,000,000+
Minimum Time to Funding:
1 day -
Fundwise Capital
Read Review Visit SiteFundwise Capital is a financial service company that specializes in connecting qualified customers with third-party funders. For new entrepreneurs with good credit, Fundwise can make a significant impact, especially if you qualify for zero interest during your first year. Beware of being upsold on credit counseling.
Credit Score:
650+
Borrowing Amount:
Less than $50,000 up to $1,000,000
Minimum Time to Funding:
2 weeks up to More than 2 weeks -
Celtic Bank Small Business Loans
Read Review Visit SiteCeltic Bank is one of the biggest originators of SBA 7(a) loans and SBA 504 loans. It is one of the more accessible bank lenders out there when it comes to business loans, with less stringent requirements than most of its competitors. However, make sure you ask about their fee structure and interest rates before signing any papers.
Minimum Time in Business:
1-2 years
Borrowing Amount:
Less than $50,000 up to $1,000,000+ -
Capital One Business Loans
Read Review Visit SiteCapital One Business Loans are short-term loans, lines of credit, and SBA loans provided by Capital One. Capital One lends to businesses located within its retail footprint. These loans aren’t the easiest to qualify for, but they do have better rates than you’ll find in most of the alternative market.
Minimum Time in Business:
1-2 years -
PNC Bank Small Business Loans
Read Review Visit SitePNC offers small businesses loans or lines of credit to their business banking customers in the Mid-Atlantic, Southeast, or Upper Midwest. It is suited for small to large businesses. Even though their interest rates are low, PNC Bank Small Business Loans have stringent borrower qualifications.
Minimum Time in Business:
More than 2 years
Credit Score:
650+
Borrowing Amount:
Less than $50,000 up to $100,000 -
LendingTree Business Loans
Read Review Visit SiteLendingTree is an online platform connecting individuals and businesses to a wide range of financial products through its lending partners. It has relaxed loan qualifications and ideal for new businesses. Be cautious of its non-transparent terms and fees.
Minimum Time to Funding:
1 day -
National Business Capital
Read Review Apply NowNational Business Capital (NBC) is a lending-advisory service that links small business applicants to one of its 75+ lending affiliates. It is suitable for startups, new, and mature-but-credit-challenged businesses. Be cautious that you’re unlikely to get the absolute best rates.
Required Annual Revenue:
$100,000+
Borrowing Amount:
Less than $50,000 up to $1,000,000+
Minimum Time to Funding:
1 day -
TD Bank Business Loans
Read Review Visit SiteTD offers short-term loans and lines of credit to small businesses. East Coasters with excellent credit and branches in their area can take advantage of TD’s origination fee-free loans if they’re seeking less than $100,000. Be aware of their stringent borrower qualifications.
Borrowing Amount:
Less than $50,000 up to $1,000,000