Compare business lenders

Fora Financial

Products: Revenue advance, Line of credit, Term loan, Equipment financing, SBA

• Financing up to $1.5M
• Line of credit $5,000 to $100,000, 12 month repayment
• Small business loan terms up to 18 months, prepayment discounts
• No hard credit pulls to apply

Speed: Decisions in as little as 4 hours; funds in as little as 24 hours from acceptance

Best fit: Established businesses with solid monthly sales that want speed and a range of products. Fora says growth potential matters more than credit score.

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Source: Fora Financial website, checked Oct 23 2026.

1West

Products: Unsecured working capital, Lines of credit, SBA, Equipment, Receivables financing, Real estate

• Marketplace of 50+ lenders through its ABLE platform
• Minimums: 6 months in business, 4 months of business bank statements, $15,000 monthly revenue

Speed: Offers often within 24 hours; capital in 24 to 72 hours after required documents

Best fit: Owners who want several offers from one application, including those with lower credit scores.

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Source: 1West website, checked Oct 23 2026.

Bluevine

Products: Line of credit, Term loans and SBA through partners

• Lines up to $250,000, rates as low as 7.8% for top qualifying customers
• Minimums: $10,000 monthly revenue, 625+ FICO, 12+ months, corporation or LLC
• Not available in Nevada, North Dakota, South Dakota or U.S. territories
• Applying does not impact personal credit; accepting may

Speed: Decision in as fast as 5 minutes; approved draws in as fast as 24 hours, instantly with Bluevine checking

Best fit: Corporations and LLCs a year or more in business that want a revolving line and good banking tools.

Source: Bluevine website, checked Oct 23 2026.

OnDeck

Products: Line of credit, Term loan

• Line of credit $6K to $200K, terms of 12, 18 or 24 months
• Term loans $5K to $400K, terms up to 24 months
• Minimums: 1 year in business, $100K annual revenue, 625 FICO, business checking account

Speed: Funds as soon as the same day after approval

Best fit: Businesses with a year of history that want to work directly with a lender.

Source: OnDeck website, checked Oct 23 2026.

American Express Business Line of Credit (formerly Kabbage)

Products: Line of credit

• Line sizes $2,000 to $1,000,000; limited to $250,000 at approval
• Monthly loan fees 0.55% to 1.55%; no origination, annual or prepayment fees
• 6, 12, 18 or 24 month installment terms per draw
• Minimums: 1 year in business, 660+ FICO, $3,000 average monthly revenue
• Obtains consumer credit reports

Speed: Funds may take 1 to 3 business days after you draw and sign

Best fit: Owners with good credit and modest revenue who want fee-based pricing with no prepayment penalty.

Source: American Express Business Line of Credit (formerly Kabbage) website, checked Oct 23 2026.

Lendio

Products: Marketplace: loans, lines of credit, revenue-based financing, SBA

• Works with 100+ lenders and funders; does not lend directly
• No impact to credit score to apply

Speed: Funding in as little as 24 hours

Best fit: Owners who want a large marketplace and are comfortable hearing from several funders.

Source: Lendio website, checked Oct 23 2026.

National Funding

Products: Working capital loans, Equipment financing and leasing

• Working capital $6,000 to $500,000, terms of 4 to 24 months, daily or weekly payments
• Equipment financing terms of 2 to 5 years, monthly payments
• Most customers have a personal FICO of 600 or higher
• Checking eligibility does not affect credit score

Speed: Funds as fast as the next business day after approval

Best fit: Owners who need fast working capital or new or used equipment and want a dedicated specialist.

Source: National Funding website, checked Oct 23 2026.

Credibly

Products: Working capital loans, Merchant cash advance, Line of credit, equipment, SBA and long-term loans through partners

• Financing up to $600,000; line of credit up to $300,000
• Minimums: 6+ months, $15,000+ monthly revenue, 500+ credit score
• Factor rates as low as 1.11 for the strongest merchants

Speed: Approval in as soon as 2 hours; funding as fast as 4 hours

Best fit: Businesses with steady deposits and weaker credit that need money quickly.

Source: Credibly website, checked Oct 23 2026.

SBA 7(a) loans (through SBA lenders)

Products: Term loans, Working capital, Real estate, Equipment, Lines of credit (7(a) WCP)

• Maximum loan amount $5 million
• You apply through a participating lender, not the SBA
• Must be for-profit, U.S.-based, small under SBA standards, and unable to get reasonable credit elsewhere

Speed: Varies by lender; usually the slowest option

Best fit: Established, creditworthy businesses that can wait and want the lowest cost and longest terms.

Source: SBA 7(a) loans (through SBA lenders) website, checked Oct 23 2026.

SBA microloans

Products: Small loans through nonprofit intermediaries

• Up to $50,000; average about $13,000
• Maximum term 7 years; interest generally 8% to 13%
• Cannot be used to pay existing debt or buy real estate

Speed: Varies by intermediary

Best fit: Startups and very small businesses that need less than $50,000.

Source: SBA microloans website, checked Oct 23 2026.

Funding Circle (U.S.)

• Funding Circle's U.S. business was acquired by iBusiness Funding in 2024 and Funding Circle no longer operates in the U.S.

Speed: Not applicable

Best fit: Listed so you are not chasing an option that no longer exists in the U.S.

Source: Funding Circle (U.S.) website, checked Oct 23 2026.

Traditional banks

Products: Term loans, Lines of credit, SBA, Commercial real estate

• Terms, minimums and speed vary by bank, and most do not publish them in one place, so we do not list numbers here.

Speed: Varies by bank

Best fit: Long-established businesses with strong credit, collateral and full financial statements.

General guidance, Oct 23 2026.