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Small Business Loans: Compare Financing and Apply

Small business loans can be critical to your success as a business owner. Traditional banks are no longer your only option. From SBA loans to business lines of credit to invoice-based financing, you now have access to many options through online lenders. Find the business financing product that is best for you. Learn about loan/product types.

Online term loan

LenderLenderAPRAPRMin credit scoreMin credit score
StreetShares
View details
9-40%
Estimated APR*
600
Min credit score
Online term loan
on StreetShares’ secure website
View details

Equipment financing

LenderLenderAPRAPRMin credit scoreMin credit score
Currency Capital
View details
6-24%
Estimated APR*
585
Min credit score
Equipment financing
on Currency Capital's secure website
View details

Line of credit

LenderLenderAPRAPRMin credit scoreMin credit score
StreetShares
View details
9-40%
Estimated APR*
600
Min credit score
Line of credit
on StreetShares’ secure website
View details
BlueVine
View details
16-62%
Estimated APR*
600
Min credit score
Line of credit
Pre-qualify with NerdWallet
View details
FundBox
View details
15-59%
Estimated APR*
None
Min credit score
Line of credit
on Fundbox's secure website
View details

Invoice factoring

LenderLenderAPRAPRMin credit scoreMin credit score
FundBox
View details
16.5-76.5%
Estimated APR*
None
Min credit score
Invoice factoring
on Fundbox's secure website
View details
BlueVine
View details
17.5-60%
Estimated APR*
530
Min credit score
Invoice factoring
Pre-qualify with NerdWallet
View details

Also recommended

LenderLenderAPRAPRMin credit scoreMin credit score

Personal loan

View details
4.08-36%
Estimated APR*
580
Min credit score
Personal loan
on NerdWallet.com
View details

Business credit card

View details
13.33-29.99%
Estimated APR*
630
Min credit score
Business credit card
on NerdWallet.com
View details

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*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: 9% 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.