Small Business Loans for Good, Average and Bad Credit
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Small Business loans for $50,000

For borrowers with good credit
As a small-business owner, you have many funding options at your disposal. Find the business financing product that is best for you.

  1. Tell us about your business, by answering questions or using the filters on the left
  2. We’ll filter for offers to refine your results
  3. When you're ready, click "Apply Now" to start an application on the lender's site
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Lender & loan typeAPRMin Credit Score

Bank loan

SmartBiz
Do I Qualify
7-8%
Estimated APR*
600
Min Credit Score
Apply Nowon SmartBiz’s secure website.
Do I Qualify
Get pre-approved for a small business loan
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Also recommended

Microloan

Do I Qualify
8-13%
Estimated APR*
500
Min Credit Score
View Loanson NerdWallet.com
Do I Qualify

Term loan

Lending Club
Do I Qualify
8-32%
Estimated APR*
600
Min Credit Score
Apply Nowon LendingClub’s secure website.
Do I Qualify

Also recommended

Personal loan

Do I Qualify
4.08-36%
Estimated APR*
580
Min Credit Score
View Loanson NerdWallet.com
Do I Qualify

Term loan

Funding Circle
Do I Qualify
8.5-33.5%
Estimated APR*
620
Min Credit Score
Apply Nowon Funding Circle’s secure website.
Do I Qualify

Also recommended

Business credit card

Do I Qualify
13.33-29.99%
Estimated APR*
630
Min Credit Score
View Cardson NerdWallet.com
Do I Qualify

Term loan

DealStruck
Do I Qualify
10-28%
Estimated APR*
600
Min Credit Score
Apply Nowon DealStruck’s secure website.
Do I Qualify

Term loan

StreetShares
Do I Qualify
9-40%
Estimated APR*
600
Min Credit Score
Apply Nowon StreetShares’ secure website.
Do I Qualify

Line of credit

DealStruck
Do I Qualify
25.5-25.5%
Estimated APR*
600
Min Credit Score
Apply Nowon DealStruck’s secure website.
Do I Qualify

Line of Credit

OnDeck
Do I Qualify
14-36%
Estimated APR*
600
Min Credit Score
Apply Nowon OnDeck’s secure website.
Do I Qualify

Line of Credit

BlueVine
Do I Qualify
16-62%
Estimated APR*
600
Min Credit Score
Apply Nowon BlueVine’s secure website.
Do I Qualify

Invoice factoring

FundBox
Do I Qualify
13.5-67.5%
Estimated APR*
None
Min Credit Score
Apply Nowon Fundbox’s secure website.
Do I Qualify

Cash flow loan

OnDeck
Do I Qualify
8.5-98%
Estimated APR*
500
Min Credit Score
Apply Nowon OnDeck’s secure website.
Do I Qualify

Invoice factoring

BlueVine
Do I Qualify
17.5-60%
Estimated APR*
530
Min Credit Score
Apply Nowon BlueVine’s secure website.
Do I Qualify

Line of credit

Kabbage
Do I Qualify
31.5-108%
Estimated APR*
None
Min Credit Score
Apply Nowon Kabbage’s secure website.
Do I Qualify
*Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.

SBA loan

The government-guaranteed business loan program works with banks to offer low interest rates and long-term repayment. SBA loans offer low rates and long repayment terms. But the process is time consuming and the requirements are strict. Only those with great personal credit, strong business finances and the bandwidth to wait for funding should apply. - Loan amounts: $30,000 to $5 million - APR range: 7% to 8% - Good for: large one-time investments, purchasing real estate or equipment, buying existing businesses, refinancing debt

Business term loan

Online lenders offer term loans of up to $500,000. For a short-term loan, the repayment period typically ranges from six to 12 months, while a long-term loan’s repayment can extend up to 10 years or longer in some cases. - APR range: 7% to 98% - Good for: large one-time investments

Business line of credit

A business line of credit provides you with access to flexible cash. Lenders give you access to a specific amount of credit (say, $100,000), but you don’t make payments or get charged interest until you tap into the funds. - Credit line range: $2,000 to $500,000 - APR range: 8% to 108% - Good for: managing cash flow, handling unexpected expenses and financing short-term business needs.

Invoice factoring

Invoice factoring lets your small business turn its invoices (the money owed by customers that has yet to be paid) into immediate cash. You sell the invoices to a factoring company, which then gets paid when it collects from your customers. If you’d rather maintain control over your invoices, invoice financing is an alternative to factoring. - Financing amounts: $500 to $500,000 - APR range: 11% to 64% - Good for: managing cash flow, short-term financing

Why these lenders?

Only about 1 in 5 businesses that apply for a loan from a big bank are approved. To solve that problem, we work with online lenders that specialize in making the loan application process simple. Plus, they're faster and offer more competitive rates than many banks.

How does NerdWallet make money?

We make money when you get the funding you need. Some of the loan providers on our site pay us a referral fee when customers like you get approved for a loan. We always try to find the best option for you, even if we don't have a paying relationship with that lender. We also actively turn down offers from lenders that we feel seek to take advantage of small business owners. Read more about how we make money.

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