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Small Business Loan Comparison

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Borrowing Amount$20K - $500K$30K - $5MVaries$2K - $100K$5K - $500K
Term Length1 - 4 years10 or 25 yearsVaries3 - 36 months3 - 36 months
Interest or Factor Rate7.99% - 29.99% APRPrime rate + 1.5% - 3.75%VariesApprox. 6% - 14%x1.003 - x1.04/mo
Origination Fee2% - 3%4% - 6.25% plus bank feesVaries3.95% or 4.95%2.5% - 4%
Time to Funding2 - 7 days7 - 60 daysOffers in 1 - 2 days2 - 5 days2 - 5 days
Products OfferedInstallment loanSBA installment loanMerchant cash advance, short term loan, medium term installment loan, SBA loan, business line of credit, business credit card, equipment financing, invoice financing, personal loans for businessInstallment loanShort-term loan and line of credit
Repayment FrequencyMonthlyMonthlyVariesWeeklyDaily or weekly
Required Time in Business2 years2 yearsn/a1 year12 months
Required Sales$100K/yrN/An/a$25K$100K/yr
Required Personal Credit Score660650n/a620500
Ease of ApplicationGoodFairExcellentGoodExcellent
Customer SupportExcellentExcellentExcellentExcellentExcellent
Interest Or Factor Rate7.99% - 29.99% APRPrime rate + 1.5% - 3.75%VariesApprox. 6% - 14%x1.003 - x1.04/mo
Time To Funding2 - 7 days7 - 60 daysOffers in 1 - 2 days2 - 5 days2 - 5 days
Required Time In Business2 years2 yearsn/a1 year12 months
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