Best Business Loans — every ranking, by use case and budget
Rates and requirements here come from each lender's own published materials and are compared on identical terms. Scores are locked before any affiliate link is added. Borrowing decisions are yours and your accountant's; we are not licensed advisers.
Accion Opportunity Fund
Very Good
8.7
Funding Circle
Very Good
8.5
By use case indexed
In-depth business loans reviews
Bluevine
A revolving line you draw on only when you need it, funded the same day, with rates published before you apply
Read Bluevine ReviewAccion Opportunity Fund
A nonprofit lender built for businesses the market underserves — real APRs under 25%, free coaching, and no minimum revenue wall
Read Accion Opportunity Fund ReviewFunding Circle
Bank-like rates on a term loan without the bank timetable — monthly repayments, no prepayment penalty and funds in days rather than weeks
Read Funding Circle ReviewLendio
One application sent to 75+ lenders — the fastest way to see what the market will actually offer you without filling in eight forms
Read Lendio ReviewOnDeck
Lends where the cheaper lenders will not — one year in business and a 625 score — with money the same day and rates to match the risk
Read OnDeck ReviewFundbox
The lowest bar in the ranking — six months trading, a 600 score, $30,000 revenue — with a decision in minutes off your accounting or bank data
Read Fundbox ReviewSBA 7(a) Loans
The cheapest money a small business can borrow, government-guaranteed and rate-capped — if you can produce the paperwork and wait a month
Read SBA 7(a) Loans ReviewNational Funding
Finances the machine and secures the loan against it, so credit requirements are softer than an unsecured loan of the same size
Read National Funding ReviewGuides that send readers to these rankings
Factor Rates, Fees and APR: What a Business Loan Really Costs
How to convert any offer to an annual rate in two minutes, and why a 1.25 factor rate is not 25%.