Capital One Business Loans: A Possible Fit for Existing Customers

Capital One offers several small-business loan options, including SBA loans, but the bank reveals so little about its loan products on its website that it’s tough to know whether this lender is one worth pursuing.
Kelsey Sheehy

Written by

Kelsey Sheehy
Kelsey Sheehy
Sally Lauckner

Edited by

Sally Lauckner
Sally Lauckner

Edited by

Sally Lauckner
Last updated on Dec 22, 2025

Fact checked and reviewed

Why trust NerdWallet

Advertiser disclosure

Kelsey Sheehy

Written by

Kelsey Sheehy
Kelsey Sheehy
Sally Lauckner

Edited by

Sally Lauckner
Sally Lauckner

Edited by

Sally Lauckner
Last updated on Dec 22, 2025

Fact checked and reviewed

Why trust NerdWallet

Advertiser disclosure

Capital One Business Line of Credit

Overview

The bottom line:

Capital One reveals very little about its small-business loan offerings. What’s certain, though, is that you’ll need to have an established business with two or more years in operation plus a Cap One business checking account.

Loan details

Min. Loan Amount

$10,000

Max Loan Amount

$5,000,000

Qualifications

Min. credit score

Min. credit score

700

Min. Time in Business

Min. Time in Business

24 months

Pros & Cons

Pros

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    Quick funding for simple loans.
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    Competitive rates and terms.
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    Variety of loans available.
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    Offers specialized medical practice and other industry-specific financing.

Cons

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    Must apply in person.
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    Branches located in only a handful of states.
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    Limited SBA lending.
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    Very little information available online.
Capital One offers a wide variety of small-business loans, from business lines of credit and commercial real estate loans to equipment and medical practice loans. The bank also issues SBA loans. Across its business lending programs, Capital One held more than $45 billion in commercial banking loans at the close of the fourth quarter of 2024.
To qualify for some of that capital, your business needs at least two years in operation and a Capital One business checking account (which you can open when you apply). Strong financials and excellent credit history are also important, though Capital One doesn’t specify those lending criteria on its website.
Businesses interested in a loan from Capital One need to apply in person, which could prove inconvenient if your business isn’t located near a branch.

Consider Capital One business loans if you:

  • Have an established business. Capital One doesn’t disclose much about its lending criteria, but it does specify that you need two years in business, at a minimum, to qualify.
  • Prefer an in-person loan experience (and are near a Capital One branch). To apply for a Capital One business loan you must visit one of its full-service branch locations, which are only in a handful of states. The bank does not offer online or phone applications.
  • Need large loans. Capital One offers lines of credit, commercial real estate loans and SBA loans up to $5 million.
Not a fit? Consider these options instead.

Types of Capital One business loans

Capital One offers the following types of small-business loans:

Capital One business loan details

Banks don’t often disclose too many details about their lending products online, which can make it difficult to shop and compare bank loans. Capital One, though, offers even less than some of its peers, such as Bank of America, Chase and Wells Fargo.
Here’s what we do know:
  • Amounts for most of Capital One’s business loans range from $10,000 to $5 million. 
  • The business line of credit is revolving, meaning the line replenishes as you pay it off.
  • Terms for the commercial real estate loans stretch up to 20 years.
  • The bank offers SBA 7(a) loans, SBA 504 loans and SBA Express loans and states that it has no business age requirement for SBA loan applicants.
» MORE: How to qualify for an SBA loan

Where Capital One stands out

Variety of loans available

Some lenders stick to one or two loan products. Not Capital One. This bank offers half a dozen options, from SBA and real estate loans to equipment and medical practice loans. However, you’ll need to visit a branch to learn about qualifications, terms, rates, etc. Details on Capital One’s website are scant.

Where Capital One falls short

Application and location limitations

To get a Capital One business loan, you have to visit a branch location to apply in person. That alone limits access for business owners who don’t live in Capital One’s service area, which covers a handful of states in the Northeast and South United States, plus the District of Columbia.

Very little information available online

Capital One keeps the details of its business loan offerings very close to the vest. Little information is disclosed on its website. Instead, business owners seeking a loan need to visit a branch to find out about requirements, terms, fees and rates.
While it’s not uncommon for banks to publish limited information on loans, Capital One is on the extreme end of the spectrum. This lack of transparency makes it difficult for business owners to compare financing options. By contrast, many online lenders publish average rates, fees and terms.

Limited SBA lending

SBA loan applications are nuanced and time consuming. It’s essential that your lender is well versed with all the ins and outs. While Capital One is the sixth-largest bank by assets, according to the Federal Reserve, it approves far fewer SBA loans each year when compared with other large national banks.
So far in the 2026 fiscal year, for example, Capital One has approved four SBA 7(a) loans totaling nearly $3 million. In comparison, Wells Fargo and Chase Bank approved more than 100 SBA loans during that time.

Alternatives to Capital One

Wells Fargo
Wells Fargo BusinessLine® Line of Credit

Wells Fargo

Wells Fargo BusinessLine® Line of Credit

NerdWallet Rating

5.0

Max Loan Amount

$150,000

Read Review
External link icon Apply now

with Fundera by NerdWallet

Looking for an SBA loan from a large national bank? Wells Fargo is a solid bet. The national bank offers both SBA 7(a) and 504 loans. Wells Fargo is one of the top SBA lenders and its status as a preferred lender means the bank doesn’t need to wait for the SBA to sign off on loan applications before approval. That can help speed up the often lengthy application process of applying for an SBA loan.
Additionally, Wells Fargo offers two business lines of credit, one of which requires only six months in business to qualify.
OnDeck
OnDeck - Online term loan

OnDeck

OnDeck - Online term loan

NerdWallet Rating

4.8

Max Loan Amount

$400,000

Read Review
External link icon Apply now

with Fundera by NerdWallet

OnDeck is a good alternative for business owners who don’t have the stellar credit needed to secure a loan through Capital One (or other big, national banks). The online lender offers business term loans ranging from $5,000 to $ 400,000 and business lines of credit up to $200,000 — some with same-day funding.
You need to meet the following criteria to get a business loan through OnDeck: 12 months in business, annual gross revenue of at least $100,000 and a personal FICO score of 625 or higher. Most banks, by contrast, require two years in business and a FICO score in the high 600s, at a minimum.
» MORE: Compare the best banks for small-business loans