Overview
The bottom line:
Loan details
Min. Loan Amount
$10,000
Max Loan Amount
$5,000,000
Qualifications
Min. credit score
700
Min. Time in Business
24 months
Pros & Cons
Pros
Cons
How much do you need?
We’ll start with a brief questionnaire to better understand the unique needs of your business.
Once we uncover your personalized matches, our team will consult you on the process moving forward.
Capital One business loans are best for borrowers who:
- Have established businesses. Capital One doesn’t disclose much about its lending criteria, but one thing it does specify is this: 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 roughly 300 branch locations; the bank does not offer online or phone applications.
- Need large loans. Capital One offers
, commercial real estate loans and SBA loans up to $5 million.lines of credit
Types of Capital One business loans
- Business lines of credit.
- Business term loans.
- Construction loans.
- SBA loans.
Capital One business loan features
Business line of credit | Commercial real estate loan | |
---|---|---|
Loan amount | Up to $5 million. | Up to $5 million. |
Estimated APR range | Varies based on your business’s qualifications. | Varies based on your business’s qualifications. |
Fees | Annual fee: 0.25% of the line amount. | Origination fee varies by loan size.
Other fees may include title/lien search, appraisal, recordation and processing. |
Terms |
| Up to 20 years. |
Repayment schedule | Monthly. | Monthly. |
Time in business required | Two years. | Two years. |
Capital One SBA loans
SBA 7(a) loan | SBA 504 loan | SBA Express loan | |
---|---|---|---|
Loan amount | Up to $5 million. | Up to $5 million. | Up to $500,000. |
Estimated APR range | Varies based on your business’s qualifications, but subject to SBA maximums. | Varies based on your business’s qualifications, but subject to SBA maximums. | Varies based on your business’s qualifications, but subject to SBA maximums. |
Fees | Guarantee, packaging, servicing and other miscellaneous fees may apply. | Guarantee, packaging, servicing and other miscellaneous fees may apply. | Guarantee, packaging, servicing and other miscellaneous fees may apply. |
Terms | Up to 25 years for commercial real estate and up to 10 years for all other purposes. | Up to 25 years for commercial real estate and up to 10 years for all other purposes. | Up to 25 years for commercial real estate and up to 10 years for all other purposes. |
Repayment schedule | Monthly. | Monthly. | Monthly. |
Funding speed | Varies. Average timeline is 60 to 90 days for standard SBA loans. | Varies. Average timeline is 60 to 90 days for standard SBA loans. | Varies. The timeline for Express loans is shorter than for standard SBA loans. |
Where Capital One stands out
Quick funding for simple loans
Variety of loans available
Where Capital One falls short
Must apply in person
Very little information available online
Limited SBA lending
How to apply for a business loan from Capital One
- Business plan.
- Business name, address and phone number.
- Date business was established.
- Ownership type and tax identification number.
- Business tax returns.
- Bank and financial statements.
- Details on equipment or property for real estate and equipment loans.
- Name, home address and telephone number.
- Social Security number and date of birth.
- Personal tax returns.
- Citizenship information.