The 10 best rated business loan companies

Credibly keeps the application short and the document list light, which makes it a practical choice when you need an answer fast. It is open to seasonal and cash heavy businesses that other lenders turn away, and on time payments can unlock renewal offers.

OnDeck is one of the most established online lenders for small businesses and keeps its products simple: term loans and revolving credit lines. You can see pricing and terms before accepting, there is no fee for drawing on the line, and on time payments are reported to business credit bureaus, which helps you qualify for cheaper money later.

Fora Financial is a strong option when a recent credit setback would sink a bank application. It looks at sales, cash flow and time in business alongside your score, funds within a few days and rewards early payoff with a discount on the remaining balance. The maximum amount is unusually high for an alternative lender.

Kapitus offers one of the broadest product menus in the market, including revenue based financing where payments follow your sales volume. That flexibility is valuable for restaurants, salons and shops whose takings swing from week to week. Ask for an APR figure so you can compare the cost fairly.

Kalamata Capital focuses on revenue based financing and moves quickly, with decisions often arriving within hours. It works with businesses from four months old and with thinner credit files, which makes it one of the more accessible options here, though that access comes at a higher cost.

Biz2Credit suits owners who can wait a few weeks for lower cost, longer term funding. Its specialists help assemble SBA and term loan applications, which removes much of the paperwork burden, and its APR range sits well below most fast funding lenders on this list.

SBG Funding is a sensible long term partner for a business that expects its needs to change. It offers several product types, a wide range of loan sizes and terms up to five years, and returning clients often qualify for larger amounts over time.

Everest Business Funding is built for speed. Documentation is minimal, funding can arrive the same day and it works with industries that banks tend to avoid. It ranks lower because its cost range is among the highest on this list, so it is best used for short, specific needs.

National Funding is a good fit when the main need is equipment. It can finance up to the full value of a purchase and pair it with working capital, and the whole process runs online. Working capital pricing is higher than its equipment loans, so use each product for what it does best.