Apply

Commercial Business Loans

When your business has to adapt, you need the most adaptable loan.
Commercial Business Loans
When your business has to adapt, you need the most adaptable loan.
Or Call (866) 449-3584
How much funding do you need?
$5,000 - $14,000
$15,000 - $24,000
$25,000 - $49,000
$50,000 - $74,000
$75,000 - $149,000
$150,000 +
What is your annual business revenue?
$0 - $49,000
$50,000 - $119,000
$120,000 - $249,000
$250,000 - $499,000
$500,000 - $999,000
$1,000,000 +
How long have you been in business?
Just Started
(0-3 Months)
Established
(4 Months or more)
Great, you're pre-approved!
Create your account and continue to see loan options for free with no obligations.
Please complete the form below
Continue
Checking eligibility will not affect your credit score.
By clicking "Continue" you agree to our Terms & Conditions and Privacy Policy
Finding the perfect program.

What is a Commercial Loan?

A commercial loan is any type of financing a business owner can use to cover business expenses such as payroll, new equipment, inventory, or other operations costs. There are several types of commercial loans, including term loans, online loans and SBA loans. Each program has its own qualifying requirements, terms and interest rates.


Discover the solutions to keep your operations running smoothly.


Get Approved Now

How Do Commercial Loans Loans Work?

Commercial loan rates and terms will depend on the type of loan you choose. Here are some of the most common commercial loans and how they’re best used:

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

Loan Term:
3—18 months

Interest Rate:
Starting at 10%

Speed of Funding
As fast as same day
Learn More

Business Term Loan

Traditional term loans are given to their applicants as a lump sum and are repaid over the course of several years.

Loan Amount:
$10,000—$2,000,000

Loan Term:
1—5 Years

Interest Rate:
Starting at 7%

Speed of Funding:
As fast as same day
Learn More

SBA Loans

With a variety of loan programs, SBA Loans are issued through banks but are guaranteed by the Small Business Administration, making it easier for the bank to approve your business.

Loan Amount:
$10,000—$5,000,000

Loan Term:
5—25 years

Interest Rate:
Starting at 6%

Speed of Funding:
As fast as 30 days
Learn More

Equipment Financing

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

Loan Amount:
Up to 100% of equipment value

Loan Term:
1—5 years

Interest Rate:
Starting at 8%

Speed of Funding:
As fast as 2 days
Learn More

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:
$10,000—$500,000

Loan Term:
6 months—3 years

Interest Rate:
Starting at 8%

Speed of Funding:
As fast as 1 day
Learn More

Merchant Cash Advance

A merchant cash advance is a lump sum that’s repaid with a small portion of your business’s daily credit card transactions.

Financing Amount:
$3,000—$500,000

Term:
3 months—18 months

Factor Rate:
Starting at 1.14

Speed of Funding:
As fast as same day
Learn More

Does My Business Qualify for a Commercial Loan?

Commercial business loans have different qualifications depending on the type of loan. For example, you will need a credit score in the mid 600’s to be approved for a line of business credit with a bank, while the qualifications for a short-term loan with an alternative lender are more flexible.

While the expectations differ, what lenders want to know about your business stays the same. When applying for commercial business loans, your business will be evaluated by the following:

  • • Time in business
  • • Credit score
  • • Annual revenue

Each loan type, lender and applicant are different, so what lenders expect from their applicants in these areas differs, as well.

How Do I Apply for a Commercial Business Loan?

Most commercial loans use an online application. These applications ask for basic business information to help determine if your business is eligible.

While applying with traditional lenders may require more paperwork than online lenders, the commercial loan application process is designed to be a quick and simple process no matter which lender you choose.


Find the best commercial loan for your business in minutes.


Get Approved Now
Some other documents you may need are:
Driver's License
Business/Personal Tax Returns
Bank statements
Voided Business Check
Credit score

Which Commercial Loan is Right for My Business?

Nearly every owner will consider a commercial loan at some point during their career. The type of loan that’s right for your business largely depends on what you will use the loan for.

A business loan is an investment in your company. With proper planning, a commercial business loan can be a useful tool for your business.

If you’re having trouble deciding which is right for you, Fast Capital 360 can help guide you in the right direction. Our knowledgeable Business Advisors can answer any questions you may have about commercial loans and how qualifying for a commercial loan will benefit your business.

A short-term loan is great for dealing with temporary issues like damaged inventory, to cover payroll or operating expenses

A long-term loan is better suited for larger purchases like business acquisitions, business expansion or large equipment purchases
Last updated

Ready to grow your business? Your commercial loan starts here.


Get Approved Now