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Small Business Loans

Find the Right Small Business Loan

What Is a Business Loan?

A business loan is any type of financing created specifically for business purposes. There are many variations of business loans, including term loans, SBA loans and accounts receivable financing. Each program has its own qualifying requirements, terms and rates.

Explore Your Small Business Loan Options

Find the best rates on the type of loan that's right for you, and how to qualify.

Business Term Loan

Traditional term loans disperse a lump sum payment that is repaid over the course of several years (the "term" of the loan).

  • Loan Amount

    $10,000—$2,000,000

  • Estimated Repayment Term

    1—5 years

  • Interest Rate

    Starting at 7%

  • Speed of Funding

    As fast as 1 day

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Short-Term Loan

This type of commercial business loan usually ranges from 3 to 18 months and is repaid in daily or weekly increments.

  • Loan Amount

    $3,000-$500,000

  • Estimated Repayment Term

    3-18 months

  • Interest Rate

    Starting at 10%

  • Speed of Funding

    As fast as same day

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SBA Loans

SBA Loans are partially guaranteed by the Small Business Administration, which helps lenders provide more favorable terms to borrowers.

  • Loan Amount

    $5,000—$5,000,000

  • Estimated Repayment Term

    5—25 years

  • Interest Rate

    Starting at 6%

  • Speed of Funding

    As fast as 30 days

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Working Capital Loans

Business financing acquired for the purpose of working capital. Can be used to invest or support in the operations of the business.

  • Loan Amount

    $3,000—$5,000,000

  • Loan Term

    3 months—25 years

  • Interest Rate

    Starting at 7%

  • Speed of Funding

    As fast as same day

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Equipment Financing

Useful when your business loses one or several expensive machines that are a pivotal part of the way your business functions.

  • Financing Amount

    Up to 100% of value

  • Estimated Repayment Term

    1—5 years

  • Interest Rate

    Starting at 8%

  • Speed of Funding

    As fast as 2 days

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Business Line of Credit

Available through both banks and online lenders, a line of business credit provides companies with a more flexible funding option that can be both short and long-term.

  • Loan Amount

    $5,000—$500,000

  • Estimated Repayment Term

    6 months—3 years

  • Interest Rate

    Starting at 8%

  • Speed of Funding

    As fast as 1 day

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Commercial Loans

This type of commercial business loan usually ranges from 3 to 18 months and is repaid in daily or weekly increments.

  • Loan Amount

    $3,000—$5,000,000

  • Loan Term

    3 months—25 years

  • Interest Rate

    Starting at 7%

  • Speed of Funding

    As fast as same day

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Merchant Cash Advance

A merchant cash advance (MCA) is a lump sum of capital lent against a business’s future sales.

  • Advance Amount

    $3,000—$500,000

  • Estimated Repayment Term

    3—18 months

  • Factor Rate

    Starting at 1.14

  • Speed of Funding

    As fast as same day

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Accounts Receivable Financing

Turn unpaid invoices into capital. Get back to running your business by bridging the gap and shortening your accounts receivable terms.

  • Advance Amount

    Up to 80% of receivables

  • Estimated Repayment Term

    Until receivables are paid by the customer

  • Factor Rate

    Starting at 1.02

  • Speed of Funding

    As fast as same day

Learn More

What Are the Benefits of a Small Business Loan?

When your business needs additional capital, securing a small business loan can be the best decision you make for your company.

Avoid Cash Flow Disruptions

Each business, no matter their size, experiences periods where working capital is tight. A small business loan can help shorten these stretches, without interrupting operations.

Keep Your Equity

Securing a small business loan allows you to maintain control of your company. You can use your loan however you like and can keep any profits or gains your business generates, all without seeking permission from your lender.

Long-Term Growth

In order to grow, you have to continually invest in your business. A small business loan can enable you to plan for the future without using any working capital from your day-to-day needs.

Expand

Trying to capitalize on a new market? With a small business loan, you can secure the location you need to widen your business’s reach. The more locations you have, the greater your chance to grow.

How Do I Apply for a Business Loan?

Deciding to apply for a small business loan is a big step for your business. Before submitting any applications, let’s review where and how you can apply.

Where to Apply for Small Business Loans

Banks

When applying through a bank, small businesses go through a multi-step process that can take as long as 6 months to complete. Business owners are asked to complete a physical application, meet with a loan officer, and are sometimes even required to present a full proposal for how they intend to use their funds and how it will benefit their business.

Online Lenders

Applying with an online lender involves a simple online application that can often be completed in minutes. Their applications often ask only for basic business and personal information and can even approve your company for a small business loan within hours.

Some other documents you may need are:

  • Driver's License

  • Business/Personal Tax Returns

  • Bank Statements

  • Voided Business Check

  • Credit Score

The Best Business Loan Offer for You

When the time comes to finally choose the small business loan that’s right for you, it’s crucial to ask yourself and your partners these questions:

  1. Can I pay back this loan?
  2. Am I comfortable with this payment?
  3. Am I comfortable whether it’s daily, weekly or monthly?
  4. Is this the best rate I can find?
  5. Am I aware of all the fees associated with my loan?

If you’ve answered “yes” to these questions, then congratulations! You’re ready to accept your small business loan and start growing your company.