Small Business Loan Reviews



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  • altLINE can factor high-value invoices, but the flexibility allows you to pick and choose what (if any) invoices you want to factor in any given month. The rates are good to reasonable, with minimal nickel and diming.

  • Finding a fair and reputable small business lender in the alternative lending space is no easy task. However, there are a few such lenders that make it a point to provide honesty and fairness in their lending practices. Greenbox Capital seems to check off most of the boxes in terms of being a unicorn, i.e., a non-predatory online lender.

  • Small businesses that fall within Opportunity Fund's umbrella will find a lot to like here: meaty borrowing limits (especially for microloans), lower rates than the alternative lending market, de-emphasized credit requirements, and generous term lengths.

  • One Park Financial is focused on helping small- and medium-sized businesses get quick and easy access to working capital. The company’s lending network can provide you with the working capital you need despite bankruptcies, tax liens, or poor credit scores.

  • Have cash flow problems? If you’re an eCommerce seller, Payability might be just the service you need to smooth out your cash flow. Learn about Payability here!

  • OppLoans offers loans for personal use, but the money can be used for either startup or entrepreneurial purposes. With longer terms, better interest rates, and lower payments, OppLoans is a safer and more affordable alternative to payday loans. If you have a low credit score that’s keeping you from getting a loan, OppLoans may be a good choice for you.

  • Newtek 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.

  • Harvest Small Business Finance offers an alternative solution to bank loans, giving small business owners more access to affordable SBA 7(a) loans. Funds received through Harvest Small Business Finance can be used to purchase or refinance multipurpose owner-user real estate,

  • ReadyCap Lending LLC is a non-bank lender that specializes in Small Business Administration loans. ReadyCap Lending helps small business owners and entrepreneurs gain access to affordable, long-term SBA loans to start or expand their businesses.

  • US Business Funding offers many different financial products to help business owners score the capital they need. It is a great choice for equipment financing, SBA loans, or working capital loans. US Business Funding has earned a 95% approval rate and 60-second approvals.

    Minimum Time in Business: 1-2 years

    Borrowing Amount: Less than $50,000 up to $1,000,000
    Term Length: Less than 1 year
    Minimum Time to Funding: 1 week or less


Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.

Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

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