Plain-English guides to every U.S. business loan what it really costs, how fast the money lands, and which one fits your revenue. Then check your options in two minutes.
Auto loan refinancing can lower your debt-to-income ratio by 8–15%, directly reducing the APR on a debt consolidation loan. Data shows a 2.3 percentage
Fixed payments, fixed term, the lowest cost of capital most owners can get.
Read the guideBridges the gap between paying suppliers and getting paid.
Read the guideYou repay from a slice of daily card sales. Fast, and expensive.
Read the guideUnder two years of trading? These are the doors still open.
Read the guideThe machine secures the loan, so the rate drops.
Read the guideTurn a 60-day invoice into cash this week.
Read the guideDraw what you need, pay interest only on what you use.
Read the guideLarger raises for property, acquisition and expansion.
Read the guideBuilt around thin margins and brutal seasonality.
Read the guideLong terms priced off insurance receivables.
Read the guideInventory now, repay it when the season turns.
Read the guideDraw schedules that follow the build, not the calendar.
Read the guideUnderwritten against the brand's numbers, not just yours.
Read the guideBuild a credit file that stops relying on your personal score.
Read the guideThe cheapest money in the market, if you can wait for it.
Read the guideWhen payroll is Friday and the money is not there.
Read the guideWhat other owners were researching before they applied.
Auto loan refinancing can lower your debt-to-income ratio by 8–15%, directly reducing the APR on a debt consolidation loan. Data shows a 2.3 percentage
A debt consolidation personal loan can boost your credit score by 30-50 points in 6 months, pushing you above the 660 threshold needed for...
Refinancing an auto loan can drop your APR by 2+ points, freeing $67/month per $10,000 financed. Redirect that cash to high-rate debt and watch...
One of the most effective ways to pay bills faster is through debt consolidation. By combining multiple bills into a single loan with a...
Your income is one of the first things lenders examine. They want to see that you have a stable source of income that's sufficient...
The lending landscape in the USA offers diverse options tailored to different needs. Personal loans provide flexible funds for various purposes without collateral requirements....
Bank underwriting takes weeks. Our partners underwrite off live bank data and answer inside a day.
Factor rates hide the price. Every guide converts the quote into what it actually costs you to borrow.
Seasonal business, thin margins, unpaid invoices the right product depends on how money moves through you.
Checking your options runs a soft pull. Nothing changes on your personal file until you accept an offer.
A funding advisor reads your file before it goes to a lender, so you are not shopped to twenty desks at once.
The cheapest capital available to a small business.
Best for Owners who can wait a quarter and want the lowest possible cost of capital.
Check eligibilityFixed payments, fixed end date.
Best for Steady revenue and a specific, known cost to cover.
Check eligibilityDraw it, repay it, draw it again.
Best for Lumpy cash flow, where you cannot predict the week you will need it.
Check eligibilityRepaid from a slice of daily card sales.
Best for Card-heavy businesses that need money now and have exhausted cheaper options.
Check eligibilityFigures are illustrative ranges based on offers seen across our lending partners. Your actual amount, term and cost depend on time in business, monthly revenue and credit profile.
Short-term business funding is quoted as a factor rate, not an APR which is why a 1.25 quote is not 25% interest. Move the sliders and see the real number.
An estimate, not an offer. Real terms depend on time in business, monthly revenue, industry and credit profile, and are set by the lender.
The exact sequence EIN, DUNS, net-30 vendors, first tradeline that gets you borrowing on the business, not your personal score.
Have these ready and underwriting takes a day. Hunt for them after you apply and it takes three weeks.
A 1.30 factor over 9 months is not 30% interest. Convert any quote into a true annualised cost before you sign it.
Open this section, choose an article inside each Pick block, and drag them into the order you want. The editor decides the ranking that is the whole point.
Underwriters pull 90 days of bank statements and count negative days. Three overdrafts can cost you more than a 60-point credit drop.
A 1.30 factor repaid over 6 months is roughly a 100% APR. Do the conversion before you compare it to anything.
Six months of statements, YTD P&L, a signed application and your EIN letter. Assemble them first and you shave a week off funding.
The cheapest capital goes to businesses that do not visibly need it. Waiting until payroll is at risk changes which lenders will even look.
Some short-term contracts still contain one. It lets the lender take a judgment against you without a hearing. Do not sign it.
Taking a second advance on top of the first is the fastest route to a default spiral. If you are considering it, refinance instead.
Our walk-in died on a Thursday in July. The bank wanted three weeks and a personal guarantee on the house. We had the replacement installed by Monday.
I was factoring invoices at a rate I did not understand. The comparison guide showed me what I was really paying, and I moved to a line of credit at less than half the cost.
Two operatories sat empty for eight months because I could not fund the build-out. The SBA route took a quarter to close, but the rate made the wait worth it.
No. Checking what you qualify for runs a soft inquiry, which is not visible to other lenders and does not affect your score. A hard inquiry only happens if you accept an offer and move to final underwriting.
For a merchant cash advance or short-term loan, same day to 48 hours is normal once your documents are in. A term loan is typically 2 to 5 business days. SBA financing is a different animal — budget 30 to 90 days, and expect to be asked for more paperwork than you think is reasonable.
There is no single cutoff. Most alternative lenders will look at 550 and above, though below 600 you should expect a factor rate rather than an APR. Revenue and time in business often matter more than the score itself: a business doing $40,000 a month for two years will beat a 720 score with four months of history.
A factor rate is a multiplier, not an interest rate. Borrow $100,000 at a 1.25 factor and you repay $125,000 — regardless of how quickly you repay it. Because there is no benefit to paying early, a 1.25 factor repaid over six months works out to roughly a 90% annualised cost. Always convert it before you compare.
Almost always, yes. Nearly all small business lenders require a personal guarantee, which means you are on the hook if the business cannot pay. What you can negotiate is whether it is secured against a specific asset such as your home. Read that clause before you sign it, and get a lawyer to look at anything containing a confession of judgment.
No. We publish independent research and comparisons, and we connect owners with funding partners who do the lending. We may be compensated when you complete an application. That compensation does not change how we rate products, and we say plainly in the guides when a product is expensive.
Auto loan refinancing can lower your debt-to-income ratio by 8–15%, directly reducing the APR on a debt consolidation loan. Data shows a 2.3 percentage
A debt consolidation personal loan can boost your credit score by 30-50 points in 6 months, pushing you above the 660 threshold needed for...
Refinancing an auto loan can drop your APR by 2+ points, freeing $67/month per $10,000 financed. Redirect that cash to high-rate debt and watch...
One of the most effective ways to pay bills faster is through debt consolidation. By combining multiple bills into a single loan with a...
Your income is one of the first things lenders examine. They want to see that you have a stable source of income that's sufficient...
The lending landscape in the USA offers diverse options tailored to different needs. Personal loans provide flexible funds for various purposes without collateral requirements....
Answer six questions about your business and see real offers from lenders who already fund companies like yours.
Six hundred is on the sixth floor, above the concourse. Come up and talk to a funding advisor in person no appointment, no pitch.