1Top pick
FundiviFundivi
Best overall for funding options
Several funding paths from one request
- Amount
- $10K to $5M
- Min. credit
- Cash flow focused
- In business
- Varies
- Speed
- Same day
- Home
- Top Small Business Lenders
Best Small Business Lenders of 2026
We compared 10 US business lenders on what they charge, who they approve and how quickly they fund, then ranked them on five checks. Tell us a little about your business to see which ones fit.
10 lendersreviewed side by side
5 checkscost, access, speed, terms, trust
Same dayfastest funding on our list
$10MLargest amount offered
500Lowest credit minimum
3 monthsShortest time in business
40+Hours of research per update
How we make money
Some lenders on this page may pay us when you connect with them. That keeps the site free, but it never changes the order of our rankings, which come only from our five review checks. We are not a lender and do not make credit decisions.
Side by Side
Compare the top 10 business lenders
Filter by what matters most, sort by requirements, or switch to the table view.
Fundivi2
OnDeckOnDeck
Best for fast term loans
Quick decisions and fixed payments
- Amount
- $5K to $400K
- Min. credit
- 625
- In business
- 1 year
- Speed
- Same day to 3 days
3
Fora FinancialFora Financial
Best for fair credit
Fair credit welcome, early payoff discounts
- Amount
- $5K to $1.5M
- Min. credit
- 570
- In business
- 6 months
- Speed
- 1 to 3 days
4
CrediblyCredibly
Best for low credit scores
Lowest credit bar among established lenders
- Amount
- $5K to $10M
- Min. credit
- 500
- In business
- 6 months
- Speed
- Next business day
5
KapitusKapitus
Best for established businesses
Bank sized loans for mature businesses
- Amount
- $10K to $750K
- Min. credit
- 625
- In business
- 2 years
- Speed
- As fast as 24 hours
6
Biz2CreditBiz2Credit
Best for larger term loans
Larger multi year term loans
- Amount
- $25K to $1M
- Min. credit
- 650
- In business
- 18 months
- Speed
- 1 to 3 days
7
SBG FundingSBG Funding
Best for custom repayment
Repayment shaped around your cash flow
- Amount
- Up to $10M
- Min. credit
- 600
- In business
- 6 months
- Speed
- Same day
8
National FundingNational Funding
Best for equipment financing
Equipment plus hands on service
- Amount
- $5K to $500K
- Min. credit
- 600
- In business
- 6 months
- Speed
- As fast as 24 hours
9
Kalamata Capital GroupKalamata Capital Group
Best for revenue based funding
Sized on sales, not credit score
- Amount
- Up to $750K
- Min. credit
- Not published
- In business
- Not published
- Speed
- 1 to 2 days
10
Everest Business FundingEverest Business Funding
Best for newer businesses
Works with businesses from 3 months old
- Amount
- $5K to $1M
- Min. credit
- 500
- In business
- 3 months
- Speed
- 1 to 2 days
| Rank | Lender | Loan amount | Min. credit | Time in business | Revenue | Funding speed | Offer |
|---|---|---|---|---|---|---|---|
| 1 | FundiviFundiviBest overall for funding options | $10K to $5M | Cash flow focused | Varies | Varies by product | Same day | View Offers → |
| 2 | OnDeckOnDeckBest for fast term loans | $5K to $400K | 625 | 1 year | $100,000 a year | Same day to 3 days | View Offers → |
| 3 | Fora FinancialFora FinancialBest for fair credit | $5K to $1.5M | 570 | 6 months | $240,000 a year | 1 to 3 days | View Offers → |
| 4 | CrediblyCrediblyBest for low credit scores | $5K to $10M | 500 | 6 months | About $15,000 a month | Next business day | View Offers → |
| 5 | KapitusKapitusBest for established businesses | $10K to $750K | 625 | 2 years | $250,000 a year | As fast as 24 hours | View Offers → |
| 6 | Biz2CreditBiz2CreditBest for larger term loans | $25K to $1M | 650 | 18 months | $250,000 a year | 1 to 3 days | View Offers → |
| 7 | SBG FundingSBG FundingBest for custom repayment | Up to $10M | 600 | 6 months | $250,000 a year | Same day | View Offers → |
| 8 | National FundingNational FundingBest for equipment financing | $5K to $500K | 600 | 6 months | $250,000 a year | As fast as 24 hours | View Offers → |
| 9 | Kalamata Capital GroupKalamata Capital GroupBest for revenue based funding | Up to $750K | Not published | Not published | Not published | 1 to 2 days | View Offers → |
| 10 | Everest Business FundingEverest Business FundingBest for newer businesses | $5K to $1M | 500 | 3 months | About $10,000 a month | 1 to 2 days | View Offers → |
Minimums reflect each lender's main product as published on October 27, 2026 and can change at any time. Confirm current terms with the lender.
Lender Reviews
Our top business lenders, reviewed
What each lender does well, where it falls short and which businesses it suits best.
01Top pick
Fundivi- Loan amount
- $10K to $5M
- Min. credit
- Cash flow focused
- Time in business
- Varies
- Revenue
- Varies by product
- Funding speed
- Same day
Fundivi
Best overall for funding options
Fundivi works on two tracks at once. It can fund a deal from its own capital or route the request to a vetted partner lender, which gives a single request more than one path to approval. That structure is the main reason it tops our list: owners who would be turned down by a single source lender often still have options here.
Why we picked it
Its review leans on bank activity and cash flow rather than credit score alone, it covers nine products from working capital to larger term financing, and approved deals can be wired the same day. Owners can also preview likely outcomes before any credit bureau pull.
- Pros
- Funding from $10,000 to $5 million
- Direct capital plus a partner lender network
- Cash flow focused review
- Same day wires on approved deals
- Cons
- Minimums are not published for every product
- Terms depend on which funding path you take
A good fit for: Established businesses with steady deposits that want several funding options from one request.
Products: Working capital, term loans, lines of credit, equipment financing, revenue based funding and more
02
OnDeck- Loan amount
- $5K to $400K
- Min. credit
- 625
- Time in business
- 1 year
- Revenue
- $100,000 a year
- Funding speed
- Same day to 3 days
OnDeck
Best for fast term loans
OnDeck has lent to small businesses online for well over a decade and remains one of the most recognizable names in the space. It offers two core products, a short term loan and a revolving line of credit, both with fixed, predictable payment schedules.
Why we picked it
Decisions often arrive within minutes, and eligible term loans up to $100,000 approved on a weekday morning can fund the same day in many states. It also reports to business credit bureaus, which helps owners build a profile for cheaper financing later.
- Pros
- Term loans from $5,000 to $400,000
- Lines of credit from $6,000 to $200,000
- Same day funding on eligible loans
- Builds business credit history
- Cons
- Needs a 625 score and a full year in business
- Daily or weekly payments on term loans
A good fit for: Owners with at least a year of steady revenue who need money quickly and prefer a fixed schedule.
Products: Term loans and lines of credit
03
Fora Financial- Loan amount
- $5K to $1.5M
- Min. credit
- 570
- Time in business
- 6 months
- Revenue
- $240,000 a year
- Funding speed
- 1 to 3 days
Fora Financial
Best for fair credit
Fora Financial focuses on short term loans and revenue based funding for businesses that do not fit a bank's credit box. A score around 570 and six months of history can be enough to qualify, which opens the door for many younger or credit challenged businesses.
Why we picked it
Decisions can arrive within a few hours, funding usually lands within one to three days, and Fora offers discounts for paying early, which is rare in short term lending and can cut the total cost meaningfully.
- Pros
- Accepts scores from about 570
- Only six months in business required
- Early payoff discounts
- Funding up to $1.5 million
- Cons
- Needs about $240,000 in yearly revenue
- Shorter terms than bank or SBA loans
A good fit for: Businesses with fair credit and solid sales that need working capital without a long wait.
Products: Short term loans and revenue based funding
04
Credibly- Loan amount
- $5K to $10M
- Min. credit
- 500
- Time in business
- 6 months
- Revenue
- About $15,000 a month
- Funding speed
- Next business day
Credibly
Best for low credit scores
Credibly sets one of the lowest credit bars among established online lenders. Its working capital loans and cash advances start at a 500 score with six months in business, while its larger long term, equipment and SBA options suit stronger profiles.
Why we picked it
Approval can come within hours and funds often arrive the next business day. The range of products means a business can start with short term funding and move toward longer, cheaper options as its credit improves.
- Pros
- Working capital from a 500 score
- Six months in business for most products
- Next business day funding
- Path to larger long term loans
- Cons
- Lower score products cost more
- Long term and SBA options need much stronger credit
A good fit for: Owners rebuilding credit who still have consistent monthly deposits.
Products: Working capital, cash advances, lines of credit, equipment financing and SBA loans through partners
05
Kapitus- Loan amount
- $10K to $750K
- Min. credit
- 625
- Time in business
- 2 years
- Revenue
- $250,000 a year
- Funding speed
- As fast as 24 hours
Kapitus
Best for established businesses
Kapitus works best for businesses that already have a few years behind them. Its term loans run from $10,000 to $750,000, and its revenue based funding can go much higher for companies with strong sales.
Why we picked it
For a two year old business with a 625 score, Kapitus offers a straightforward process and funding that can land within about 24 hours of approval, without the paperwork of a bank loan.
- Pros
- Term loans up to $750,000
- Larger revenue based funding available
- Funding in as little as 24 hours
- Clear eligibility rules
- Cons
- Requires two years in business
- Needs $250,000 or more in yearly revenue
A good fit for: Mature small businesses that want bank sized amounts with online speed.
Products: Term loans and revenue based funding
06
Biz2Credit- Loan amount
- $25K to $1M
- Min. credit
- 650
- Time in business
- 18 months
- Revenue
- $250,000 a year
- Funding speed
- 1 to 3 days
Biz2Credit
Best for larger term loans
Biz2Credit offers term loans from $25,000 to $1 million along with revenue based financing, lines of credit and commercial real estate loans for owners who already hold property.
Why we picked it
Its term loans suit businesses ready for a bigger, multi year investment, and the platform publishes clear minimums for each product so owners know where they stand before they reach out.
- Pros
- Term loans up to $1 million
- Revenue based financing up to $2 million
- Commercial real estate loans available
- Published minimums per product
- Cons
- Term loans need a 650 score and 18 months
- Higher revenue bar than many online lenders
A good fit for: Growing businesses planning a larger expansion that want one lender for several products.
Products: Term loans, revenue based financing, lines of credit and commercial real estate loans
07
SBG Funding- Loan amount
- Up to $10M
- Min. credit
- 600
- Time in business
- 6 months
- Revenue
- $250,000 a year
- Funding speed
- Same day
SBG Funding
Best for custom repayment
SBG Funding stands out for flexibility. It offers a wide range of financing and is willing to shape repayment schedules around how a business actually earns its money.
Why we picked it
Funding can reach $10 million for strong profiles and can arrive the same day, while a 600 score and six months in business are typical starting points.
- Pros
- Funding up to $10 million
- Same day funding available
- Flexible repayment schedules
- Six months in business to start
- Cons
- Needs about $250,000 in yearly revenue
- Best rates go to stronger credit
A good fit for: Businesses with seasonal or uneven revenue that need payments to match their cash flow.
Products: Term loans, lines of credit, equipment financing and other working capital products
08
National Funding- Loan amount
- $5K to $500K
- Min. credit
- 600
- Time in business
- 6 months
- Revenue
- $250,000 a year
- Funding speed
- As fast as 24 hours
National Funding
Best for equipment financing
National Funding has a long track record with small business owners and offers both working capital loans and equipment financing between $5,000 and $500,000.
Why we picked it
Owners regularly point to its hands on customer service, and funding often lands within 24 hours. The equipment program lets businesses buy machinery or vehicles while keeping cash free for operations.
- Pros
- Equipment financing and working capital
- Funding often within 24 hours
- Six months in business to qualify
- Strong customer service reputation
- Cons
- Needs a 600 score
- Tops out at $500,000
A good fit for: Businesses buying equipment or vehicles that want a responsive, people first process.
Products: Working capital loans and equipment financing
09
Kalamata Capital Group- Loan amount
- Up to $750K
- Min. credit
- Not published
- Time in business
- Not published
- Revenue
- Not published
- Funding speed
- 1 to 2 days
Kalamata Capital Group
Best for revenue based funding
Kalamata Capital Group provides revenue based funding of up to $750,000, sized on a business's sales and bank activity rather than its credit score.
Why we picked it
Approvals can come quickly and funds typically arrive within one to two business days, which makes it a practical option when timing matters more than having the lowest cost.
- Pros
- Funding up to $750,000
- Approval based on sales and deposits
- Funds in one to two days
- Simple process
- Cons
- Credit and revenue minimums not published
- Revenue based funding costs more than term loans
A good fit for: Businesses with steady card or bank deposits that need short term capital fast.
Products: Revenue based funding
10
Everest Business Funding- Loan amount
- $5K to $1M
- Min. credit
- 500
- Time in business
- 3 months
- Revenue
- About $10,000 a month
- Funding speed
- 1 to 2 days
Everest Business Funding
Best for newer businesses
Everest Business Funding works with businesses that have as little as three months of history, making it one of the more accessible options for owners who have only just opened their doors.
Why we picked it
A 500 score and roughly $10,000 in monthly deposits can be enough, and funds can arrive within 24 to 48 hours. Terms run from two to twelve months.
- Pros
- Only three months in business required
- Accepts scores from 500
- Funds within 24 to 48 hours
- Amounts up to $1 million
- Cons
- Priced with factor rates, so compare total payback
- Short repayment terms
A good fit for: Very young businesses with consistent sales that cannot yet meet bank or term loan rules.
Products: Revenue based funding and cash advances
The Basics
What is a small business loan and how does it work?
A small business loan is money a lender gives your company up front, which you pay back over a set period along with interest or a flat fee. Unlike a personal loan, it is underwritten on the health of the business: how long it has been operating, how much revenue moves through its bank account and how reliably it pays its bills.
Business financing in the United States comes from three broad places. Banks and credit unions offer the lowest rates but expect strong credit, two or more years of history and plenty of paperwork. SBA lenders offer government backed loans with long terms, at the cost of a slower process. Online lenders approve faster and accept a wider range of borrowers, but usually charge more for that speed and flexibility.
The right choice depends less on which lender is "best" and more on what the money is for. A loan to buy a delivery van, a cushion for slow months and cash to fill a large order are three different problems, and each one has a product built for it.
The typical borrowing process
Five steps from first look to final payment- 01
Compare offers
Look at amounts, credit minimums and speed across several lenders before you share any details.
- 02
Share your details
Most online lenders ask for a short form, bank statements and basic business information.
- 03
Review the terms
Check the total payback, the payment schedule and every fee before you agree to anything.
- 04
Receive the funds
Once you sign, money usually lands in your business bank account within one to five business days.
- 05
Repay on schedule
Payments come out daily, weekly or monthly until the balance and any interest are paid off.
Loan Types
Types of small business loans, explained
Picking the product first narrows your lender list quickly and helps you avoid paying for speed or flexibility you do not need.
Loan type 01 of 06
Term loan
A lump sum repaid in fixed installments over a set schedule. The most familiar form of business borrowing and the easiest to budget for.
- Typical amount
- $5,000 to $5 million
- Typical term
- 6 months to 10 years
- Funding speed
- 1 day to 2 weeks
- Relative cost
Works well for
- Expansion, renovation or a second location
- Large one time purchases
- Refinancing more expensive debt
Keep in mind
- Fixed payments continue through slow months
- The best rates need strong credit and history
Loan type 02 of 06
Business line of credit
Draw what you need up to a limit, repay it and draw again. You pay interest only on the balance you actually use.
- Typical amount
- $5,000 to $500,000
- Typical term
- Revolving, renewed yearly
- Funding speed
- 1 to 7 days
- Relative cost
Works well for
- Seasonal swings and uneven cash flow
- Covering payroll during slow weeks
- Unexpected repairs or opportunities
Keep in mind
- Some lines charge a fee on every draw
- Limits can be reduced at renewal
Loan type 03 of 06
SBA loan
Loans made by approved lenders and partially guaranteed by the Small Business Administration, which keeps rates capped and terms long.
- Typical amount
- Up to $5 million
- Typical term
- Up to 25 years
- Funding speed
- 30 to 90 days
- Relative cost
Works well for
- Buying commercial real estate
- Acquiring an existing business
- Long term working capital
Keep in mind
- Heavy paperwork and a slow review
- Usually needs two years in business and good credit
Loan type 04 of 06
Equipment financing
The equipment you buy serves as collateral for the loan, so approval is easier and rates stay moderate even for younger businesses.
- Typical amount
- Up to 100% of the cost
- Typical term
- Matches the asset life
- Funding speed
- 2 to 10 days
- Relative cost
Works well for
- Vehicles, trucks and heavy machinery
- Kitchen, medical or salon equipment
- Technology and production upgrades
Keep in mind
- Covers the asset only, not working capital
- The lender can reclaim the equipment if you default
Loan type 05 of 06
Invoice factoring
Sell or borrow against unpaid invoices to get cash now. Approval leans on your customers' credit more than your own.
- Typical amount
- Up to 90% of invoice value
- Typical term
- Until customers pay
- Funding speed
- 1 to 3 days
- Relative cost
Works well for
- B2B firms waiting 30 to 90 days to be paid
- Meeting payroll before clients settle
- Growing without adding long term debt
Keep in mind
- Fees grow the longer customers take to pay
- Some factors contact your customers directly
Loan type 06 of 06
Revenue based financing
An advance repaid as a fixed share of future sales or through set daily or weekly withdrawals. Built for speed and flexible on credit.
- Typical amount
- $5,000 to $500,000
- Typical term
- 3 to 18 months
- Funding speed
- Same day to 2 days
- Relative cost
Works well for
- Newer or lower credit businesses
- Urgent short term needs
- Businesses with strong card or daily sales
Keep in mind
- Factor rates can work out to triple digit APRs
- Frequent withdrawals squeeze cash flow
Ranges are typical of the US market in 2026. Relative cost runs from 1 (lowest) to 5 (highest). Individual offers depend on your revenue, credit and industry.
Loan Costs
How much does a small business loan really cost?
Two offers for the same amount can differ by thousands of dollars once fees, payment schedules and the way the rate is quoted are counted. The annual percentage rate (APR) is the fairest way to compare them, because it rolls interest and fees into one yearly figure.
Worked example
The same $50,000, two very different bills
Offer A · Term loan12% APR, 24 monthly payments of $2,354
$56,488repaid
Cost of borrowing $6,488
Offer B · Factor rate 1.3026 weekly payments of $2,500
$65,000repaid
Cost of borrowing $15,000
12%APR on Offer A
vs~107%APR on Offer B
Offer B looks like a simple 30% fee, but it is repaid in six months with weekly payments, so its APR is close to nine times higher. Always ask for the APR and the total payback in writing.
Four things that set the price
- 01
Interest rate or factor rate
Traditional loans quote an interest rate. Short term products often quote a factor rate such as 1.25, meaning you repay $1.25 for every dollar borrowed regardless of how quickly you pay.
- 02
Origination and closing fees
Usually 1% to 5% of the loan amount, often taken out of the funds before they reach you. A $100,000 loan with a 4% fee puts $96,000 in your account.
- 03
Payment frequency
Daily and weekly payments raise the effective cost because you start repaying almost immediately and never hold the full amount for long.
- 04
Prepayment terms
Some lenders discount the remaining balance if you pay early. With a fixed factor rate, paying early may save you nothing at all.
Eligibility
How to qualify for a small business loan
Every lender weighs the same six factors, just with different cut offs. Knowing where you stand before you compare saves time and protects your credit from unnecessary hard inquiries.
| What lenders check | BanksStrictest | SBA lendersStrict | Online lendersMost flexible |
|---|---|---|---|
Credit scorePull your personal and business reports first and dispute any errors. | 680 and up | 650 and up | 500 to 625 |
Time in businessKeep your formation date and EIN letter handy to confirm when you started. | 2 years or more | 2 years typical | 3 to 12 months |
Annual revenueRun all business income through one account so deposits are easy to verify. | $250,000 and up | Varies by loan | $100,000 and up |
Cash flow coveragePay down costly balances before you look for new funding. | 1.25 times payments | 1.15 times payments | Steady deposits |
CollateralList the assets you could pledge and roughly what each is worth. | Often required | Required where available | Rarely required |
PaperworkGather documents first so you can move quickly when an offer fits. | Full financials and tax returns | The most extensive | Bank statements and ID |
Typical minimums across the US market. Each lender sets its own requirements, and strong revenue can offset a weaker score.
Buyer's Guide
How to choose the right business lender
Rankings tell you who is good. These five checks tell you who is good for you. Run through them before you compare a single offer.
Compare lenders now →- 01
Know your three numbers
Your personal credit score, time in business and average monthly deposits decide which lenders will look at you. Check all three first and you can skip lenders that would never approve the request.
- 02
Compare total payback, not just the rate
A low sounding factor rate can cost more than a higher APR over a longer term. Ask every lender for the total amount you will repay, every fee and how often payments are taken.
- 03
Match the product to the purpose
Short term funding fits short term needs like inventory or payroll gaps. Long term investments such as a second location belong on a term or SBA loan with a longer schedule.
- 04
Check payment frequency
Daily and weekly payments come straight from your bank account. Make sure your slowest weeks can still cover them before you accept an offer.
- 05
Read the payoff rules
Some lenders discount early payoff, others charge the full fee regardless. If you expect to repay early, this single detail can change which offer is cheapest.
Online lenders vs banks vs SBA lenders
Each type trades speed for cost in a different way.
Online lenders
- Typical credit
- 500 to 625
- Time in business
- 6 to 12 months
- Funding speed
- Same day to 3 days
Best forSpeed and flexible approval
Banks
- Typical credit
- 680 and up
- Time in business
- 2 years or more
- Funding speed
- 2 to 6 weeks
Best forLowest rates for strong profiles
SBA lenders
- Typical credit
- 650 and up
- Time in business
- 2 years typical
- Funding speed
- 1 to 3 months
Best forLong terms and capped rates
Revenue based funders
- Typical credit
- 500 and up
- Time in business
- 3 to 6 months
- Funding speed
- 1 to 2 days
Best forNewer businesses and low credit
General market ranges. Each lender sets its own requirements.
Other Options
Alternatives to a business loan
Borrowing is not always the cheapest way to fund growth. Many owners combine these: a grant or microloan to start, trade credit to stock inventory and a line of credit for slow months.
Small business grants
Free money from federal, state and private programs. Competitive and slow, but there is nothing to repay, which makes grants worth a look before any loan.
No repaymentMicroloans
Loans up to $50,000 from nonprofit lenders and the SBA Microloan program, often paired with free mentoring.
Business credit cards
A revolving line for everyday spending, with intro 0% periods that suit short, planned purchases.
Crowdfunding
Raise money from customers and supporters in exchange for rewards, early access or a small equity stake.
Vendor and trade credit
Ask suppliers for 30 to 90 day terms. It works like an interest free loan on inventory.
Equipment leasing
Lease instead of buying to keep cash free, then decide at the end of the term whether to purchase.
Stay Safe
Red flags to watch for in a business loan offer
Most lenders are legitimate, but a few warning signs separate a fair offer from a costly one.
Before you sign, get these in writing
- The annual percentage rate (APR)
- The total amount you will repay
- Every fee and when it is charged
- Payment amount and how often it is taken
- What happens if you pay early
- 01
Pressure to sign today
A fair lender gives you time to read the offer. Deadlines measured in hours are a warning sign.
- 02
No APR or total payback
If a lender will not state the APR or the total amount you repay in writing, walk away.
- 03
Fees collected up front
Legitimate lenders take fees from the funds or at closing, not by wire or gift card before approval.
- 04
Guaranteed approval
No responsible lender can promise approval before reviewing your business and bank statements.
- 05
Unclear payment schedule
You should know exactly how much is withdrawn and how often, whether daily, weekly or monthly.
- 06
No physical address or licensing
Check that the lender has a real business address and is registered where it operates.
Every lender on this page has passed our licensing and pricing checks. Lenders that slip below our standards are removed.
FAQ
Business lender questions, answered
Quick answers to what owners ask most before they compare business funding.
Still deciding?
Filter all 10 lenders by credit score, speed and time in business.
Open the comparison →01Who is the best small business lender right now?
Fundivi ranks first on our list for its wide funding range and cash flow focused review, but the best lender for you depends on your credit, revenue and timing. OnDeck suits fast term loans, Credibly and Everest accept lower scores, and Kapitus fits established businesses.
02How do you rank business lenders?
Each lender is scored on five weighted checks: licensing and track record, clear pricing, borrower experience, funding speed and fit for small businesses. Lenders cannot pay to be listed or to rank higher, and scores are rechecked every quarter.
03Which business lenders accept bad credit?
Credibly and Everest Business Funding list minimum scores around 500, Fora Financial accepts about 570, and Kalamata weighs revenue more than credit. Expect higher costs and shorter terms than lenders that require 650 or more.
04What is the fastest business loan?
Fundivi, OnDeck and SBG Funding can fund the same day for qualified businesses. Most other online lenders on this page fund within one to three business days after approval.
05Can a new business get a loan?
Yes, but options are narrower. Everest Business Funding works with businesses from three months old, and Fora Financial, Credibly, SBG Funding and National Funding start at six months.
06Do these lenders check my credit?
Most lenders run a credit check before making a final offer. Many start with a soft inquiry that does not affect your score, so ask each lender which type it uses before you share your details.
Next Step
Ready to compare offers?
Start with our top pick or head back to the table to filter lenders by credit, speed and time in business. Comparing is free and never affects your credit.
- Independent rankingsLenders cannot pay to rank higher
- No credit impactComparing lenders here is free
- Updated October 27, 2026Terms rechecked every quarter