✅ Fact-checked and reviewed
NerdWallet's content is fact-checked for accuracy, timeliness, and relevance by humans. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Learn more by checking our Editorial Guidelines.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
50+ categories of the best business loan selections.
Objective and comprehensive business loans ratings rubric. (
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .
✅ Fact-checked and reviewed
NerdWallet's content is fact-checked for accuracy, timeliness, and relevance by humans. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Learn more by checking our Editorial Guidelines.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
50+ categories of the best business loan selections.
Objective and comprehensive business loans ratings rubric. (
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .
| Lender | NerdWallet rating | Best For | Max loan amount | Min. time in business | Min. interest rate | Term length | Learn more |
|---|---|---|---|---|---|---|---|
 with Fundera by NerdWallet | Read expert review | Best for business lines of credit | $250,000 | 12 months | 14% | Up to 6 months | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | Best for short-term loans | $1,500,000 | 6 months | Undisclosed | 4 to 18 months | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | Best for equipment financing | $150,000 | 6 months | Undisclosed | 24 months to 5 years | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Best for merchant cash advances | $300,000 | 6 months | Undisclosed | Undisclosed | with Fundera by NerdWallet |
Why we chose it: Bluevine can provide revolving access to up to $250,000 through its business line of credit to cover a variety of business expenses. Its online application may take just minutes to complete and applicants may be approved for funding the same day. Bluevine’s business requirements are easy to qualify for compared to bank lines of credit, making it an ideal choice for new small-business owners seeking private business financing.
Bluevine - Line of credit
with Fundera by NerdWallet
Pros
Cons
Pros
Cons
with Fundera by NerdWallet
Why we chose it: Fora Financial offers short-term loans with repayment terms up to 18 months. Its fast funding time and low credit score requirement make it a good choice for small-business owners seeking a fast private business loan they can repay quickly.
Fora Financial - Online term loan
with Fundera by NerdWallet
Pros
Cons
Pros
Cons
with Fundera by NerdWallet
Why we chose it: National Funding allows small-business owners to access up to $150,000 to invest in essential equipment needed to keep the lights on. It offers tailored support and funding in as little as 24 hours after being approved.
National Funding - Equipment financing
with Fundera by NerdWallet
Pros
Cons
Pros
Cons
with Fundera by NerdWallet
Why we chose it: Expansion Capital Group offers fast funding with flexible qualification requirements. Like all merchant cash advances, however, this product may be expensive. Expansion Capital Group offers a good last-resort private business financing option for cash-strapped business owners with a poor credit score and not many other options to turn to. The company has garnered high average review scores on both Google and Trustpilot.
Expansion Capital Group - Merchant cash advance
with Fundera by NerdWallet
Pros
Cons
Pros
Cons
with Fundera by NerdWallet
Pros
Cons
How Fundera by NerdWallet works
Fill out one simple application
Answer a 3-minute questionnaire about your business to get personalized lending options. It’s free and won’t impact your credit score.
See your business loan options
Compare interest rates and repayment terms to choose the best product for your needs.
Get your loan
If the lender approves you, you’ll sign closing documents in order to receive funds. Some lenders can approve and fund loans within one business day.
