Business Loans

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Business Loans
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There comes a time in every business when you’ll think about ways to raise additional funds to make your next move. It may be that you’re ready to expand to a new location, need to replace essential equipment, or ease cash flow issues in times when you’re waiting for clients to pay you. Whatever the reason, a business loan can be the perfect answer to your problems.

Applying for a business loan is fast and easy:

Fill out a simple and fast online application in just minutes

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Receive funds from $5K - $1,000,000+ towards your business needs

Absolutely no negative impact on your credit score, ever.

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Popular Business Loans

Find the right loan for your business by exploring the different types of financing options and comparing rates from multiple best  lenders online. Whether you are startup or have business expansion needs, we'll help match you with best business loan options. Get Started..

SBA Loans

SBA loans are backed by the U.S. Small Business Administration and offer low rates and long repayment terms.

Startup Business Loans

Get funding for your brand new startup and accelerate your business growth and compare rates from multiple lenders.

Business Line of Credit

A business line of credit is a revolving loan designed to help you fund short term unexpected and large purchases.

Equipment Financing

Upgrade your equipment and gain access to working capital with equipment financing options.

Term Loans

A business term loan offers a lump sum of upfront capital, which is repaid at regular intervals at fixed interest rates.

Invoice Factoring

Invoice financing is an asset-based loan that lets you borrow money against outstanding customer invoices.

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Best Business Loans

Kabbage Business Loan Review


Funding: Borrow $1,500 - $150,000
Minimum Credit Score: 640
APR: 9.00-36.00%
Loan term: 6, 12 or 18 months
Funding turnaround: As soon as 1-3 business days

Kabbage offers borrowers a credit line up to $150,000 with monthly repayment options and no prepayment penalties. Approval as fast as same business day.


Funding: Borrow $5,000 - $250,000
Minimum Credit Score: 600
APR: 15.00-78.00%
Loan term: 6-12 months
Funding turnaround: 24-48 hours

With BlueVine, borrowers can get approval as fast as 24 hours and obtain a business line of credit for short term capital needs while only paying interest on the funds you borrow.
Funding Circle

Funding Circle

Funding: Borrow $25,000 to $200,000
Minimum Credit Score: 700
APR: 4.99% to 18.99%
Loan term: 6-12 months
Funding turnaround: 24-48 hours

Funding Circle offers affordable business loans with interest rates lower than alternative lenders with monthly repayment schedules for borrowers with good to excellent credit scores.
FundBox Business Loans


Funding: Borrow $2,500 - $150,000
Minimum Credit Score: 600
APR: 10.10-79.80%
Loan term: 12-24 months
Funding turnaround: as fast as next business day

Fundbox requires minimal documentation and access to a revolving line of credit without origination or maintenance fees. Borrowers are not required to have collateral (with exception of larger credit lines which are subject to a personal guarantee).
OnDeck Business Loan Review


Funding: Borrow $5,000 to $250,000
Minimum Credit Score: 600
APR: 9.00-99.00%
Loan term: 3 to 36 months
Funding turnaround: as fast as same business day

With OnDeck, borrowers can obtain flexible short term business related loans as well as lines of credit and fast access to funds.

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How Pasha Funding Works

How it Works
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Get pre-qualified in less than 2 minutes and compare offers from top lenders with no impact on your credit score.

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Compare and choose an offer that works best for you based on your timeline and budget needs.

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After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

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What is a business loan?

A business loan is a financial loan you can get to fund business activities. Most of these loans are not restricted in what you use the funds for.

How does a business loan work?

If you run a business, you may be able to apply for a business loan to help fund your growth. They work in the same way personal loans do for consumers – you apply for a loan with terms that meet your needs, and if approved you’ll get a lump sum in your business account within hours or days. You can then use this money to pay for any business expenses, and you’ll pay it back over a fixed term of weeks, months, or years, plus interest.

There are other types of business loans that have more flexible terms – well talk about those shortly.

What type of businesses typically get a business loan?

Almost any business can seek funding via a business loan of some kind, though it is more common for some industries than others. Some of the types of businesses that typically get a business loan are:

  • Retail stores
  • Dental and healthcare services
  • Marketing and professional services
  • Manufacturers
  • Wholesalers
  • Hospitality
  • Tech and software businesses
  • Construction

How do you get a business loan?

To get a business loan you need to decide on the type of loan that’s right for you, compare rates and terms, and then apply via an application form. The lender will then review your application and decide whether or not they believe you are a good company to lend to. Most lenders are upfront with their requirements so you’ll have a good idea of whether you’ll be approved or not before you start the application process, and some lenders offer preapproval.

What are the different types of business loans?

  • Business term loans: this is the traditional type of loan that works in the same way as a personal loan, only the loan is to a business and can only be used for business purposes. You borrow a lump sum over a short, medium, or long-term, and pay it back each week or month in fixed monthly payments. The interest rates on these loans are generally between 5% and 30%, depending on the term and your circumstances. Bank term loans have lower rates and longer terms but are difficult to get. Loans from online lenders are easier to get and have more flexible terms but usually come with higher rates.
  • SBA loans: SBA (Small Business Administration) loans are loans that are guaranteed by the government, so often come with the lowest interest rates on the market. Most of their loans are term loans with a maximum term of 10 years, but they also offer commercial real estate loans with terms up to 25 years. The downside of SBA loans is they’re hard to qualify for, and the application process is long – often taking 2 months to complete and receive funding.
  • Business lines of credit: this is a type of loan where a lender agrees upon a maximum amount of credit you can use, which you are then granted access to. You can use this line of credit for anything you need, withdrawing money as and when you need to. The great thing about these types of loans is you only pay interest on the amount of money you’ve actually used, so it’s a great option if you want a flexible way to borrow or will be staggering how you spend the money. Most lines of credit also allow you to reuse credit again once you’ve paid it back, like a credit card, though some add up until you reach the total credit allowed, and then the line is closed. The downside of these types of loans is they often come with additional fees, and they are generally fairly difficult to qualify for.
  • Merchant cash advance: this type of financing is for those who process card payments for the majority of their transactions. The card processor you use lends you a lump sum amount which you then pay back through a percentage of your transactions until the loan is paid back. The benefit of these loans is they rarely care about your credit score because they already know about how much money you make and how consistently you make it. Many also now offer low interest rates or a flat fee. The downside is you have little control over how much you pay back each month, so if you wanted to use that additional money for another purpose you couldn’t. That said, you can usually pay them back much faster than other loans.
  • Equipment loans: equipment loans work like a car loan, in that you borrow the full value of the equipment you want to buy, and the loan is secured against the equipment you purchase. You then make monthly payments to pay off the loan and the interest. The benefit of these loans is, because they’re secured, they’re often easier to get and/or have lower rates. The downside is if you default on your payments, they’ll take the equipment back which may be catastrophic if your business relies on it.
  • Invoice financing: if your business works with big companies and have invoices with net-30 or more terms, you can look into invoice factoring or invoice financing to help you manage your cash flow. This is where you borrow against the value of the invoice.
  • Commercial real estate loans: this is usually a mortgage for a commercial property, so the loan amount is secured against the property and can usually only be used to pay for real estate purchases and improvements.
  • Peer-to-peer lending: peer-to-peer lending is like crowdfunding, but instead of seeking funding from potential customers and supporters, you get a loan from numerous small investors. If they believe in your business, they’ll fund your loan, which you’ll then pay back with interest. Interest rates vary, though are typically higher than traditional and online lenders.

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Business Loans

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What are the pros and cons of using a business loan?



  • Boost your cash flow and working capital

  • Invest in business growth

  • Accelerate your growth

  • Make the most of limited-time opportunities

  • Can keep a constant supply of inventory

  • Hire additional staff for intensive periods or one-off projects

  • Many can be secured online

  • Some forms don’t require extensive credit history

  • You don’t have to “sell” some business ownership to get funding

  • The loans with the lowest rates are difficult to qualify for

  • You often need to have been in business for 2-3+ years to qualify

  • If your revenue fluctuates, you may find it difficult to make payments in slow periods

  • You are often required to make personal guarantees

  • You may need to put up a down payment or collateral

  • Interest rates can be high

  • You may find your options are reduced until you’ve paid off the loan

Are there alternatives to business loans?

Yes, there are some alternatives, such as:

  • Business credit cards: this is a quick and easy way to borrow, and business credit cards work the same way as personal credit cards, so you’ll likely be familiar with how to manage them. That said, they often have high-interest rates, additional fees, and aren’t often suitable for big expenses.
  • Invoice factoring: this is where you essentially sell an invoice to a third-party company for a percentage of the invoice value. You are then able to walk away, as they chase the customer for payment. This is a fast way to get funding and won’t require a credit check on your part. The downside is you lose control of the customer experience, so you may find the customer is unwilling to work with your business again if the invoice factoring company isn’t good to work with.
  • Crowdfunding: where you ask customers and supporters to fund your business.
  • Grants: the government may offer your business grants (essentially free money) if your business is beneficial for a local community or fulfills another need.
  • Overdrafts: most bank accounts will allow you to get an overdraft, which essentially allows you to become overdrawn. This is a good way to manage cash flow issues without having to seek a loan every time or use a credit card. However, they often come with high fees and interest rates, so make sure the overdraft makes financial sense for your business before you choose it as your form of funding.

What are the typical business loan rates I can expect to pay?

Most business loans come with an interest rate between 5% and 30%, though SBA loans can be as low as 2.5%.

How much does it cost to get a business loan?

Most business loans do not charge a fee to set up, but something like a line of credit may. The total cost of your business loan will be the amount you pay in interest over the course of the loan.

How to qualify for a business loan

To qualify, make sure you fully understand how your business is doing financially and have a strong plan for what you’ll use your loan for. Check your credit score and make sure there are no errors. Once you’ve chosen the best type of business loan for you, compare loans and terms and find out what lenders require from you for that type of loan. Most will need extensive documentation, but others require very little. Take your time to gather the right information and you’ll be in the best position to qualify.

Apply for a business loan and compare rates

Once you’ve decided a business loan is right for you and you believe you’re in a strong position to secure one, it’s time to start comparing rates. Remember the interest rate will be the biggest factor in how affordable (or not) the loan is. When you find the right loan, it’s time to apply. Start by browsing the lenders we have listed here and you’ll soon secure the funding you need.

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