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Start-Up Business Loan Reviews

buyers guide
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  • Upstart

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    Upstart is an online lending platform that offers consumer loans to qualified borrowers. It has relaxed credit score requirements, competitive terms and fees, and an easy application process. Upstart is an excellent resource for many people who do not fit the traditional model of a loan borrower.

  • EquityNet

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    EquityNet is an equity crowdfunding platform connecting businesses to investors. EquityNet is definitely worth a closer look if equity crowdfunding fits into your grand plan. But keep in mind that equity crowdfunding is a trickier field to navigate than rewards crowdfunding.

  • Podia

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    For smaller creators looking for a more seller-friendly platform on which to host their campaigns, Podia isn't a realistic alternative; the monthly cost is simply too high.

  • Fora Financial

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    Fora Financial is an alternative small business lender offering merchant cash advances and short-term loans. Despite the potentially high origination fee, Fora Financial’s offerings are competitive with other funders that offer short-term financing.

  • LendingPoint

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    LendingPoint offers loans to consumers who have credit scores in the 600-680 range. It is a useful tool for people without the best credit profiles. It is suitable for startups but because of its narrow focus, the funding might work out for a very small number of entrepreneurs.

  • National Business Capital

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    National 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.

  • Fundwise Capital

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    Fundwise 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.

  • Accion

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    Accion is a nonprofit company that offers small business loans for a variety of different purposes. It is a good option for startup and small businesses with relatively low credit scores that may not qualify for other loan options. But do note that Accion’s APR can potentially be high.

  • Crowdfunder

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    Crowdfunder is not a fundraising platform for personal causes, charities, or nonprofits. It is explicitly targeted at entrepreneurs and startups with high growth potential.

  • Fundable

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    Fundable is less geared toward starry-eyed dreamers with wild ideas and more toward startups and companies with a solid plan of action. Fundable gives businesses the choice of launching either a rewards-based crowdfunding campaign (à la Kickstarter) or an equity-based campaign in which backers get a share of stock in the company in exchange for their backing.