We compared business lenders on what actually matters to an owner: the full cost in plain numbers, how quickly money arrives, how much room the terms give you and who really gets approved. These ten came out on top.
OnDeck
Best line of credit
4.6 / 5
1
Fundivi
Best overall
4.8 / 5
Top pick
3
Fora Financial
Best for fair credit
4.5 / 5
Scores are our editorial ratings, not customer reviews.
Typical ranges published by each lender at the time of our review. Your offer depends on your revenue, credit and time in business.
| Lender | Our score | Funding amount | APR range | Min. credit | Time in business | Speed | Visit lender |
|---|---|---|---|---|---|---|---|
1 FundiviBest overall |
4.8 |
$5K to $500K | 7.5% to 65% | 500 | 3 months | Same day | Visit Fundivi |
2 OnDeckBest line of credit |
4.6 |
$5K to $250K | 29.9% to 97.3% | 625 | 12 months | Within 24 hours | Visit OnDeck |
3 Fora FinancialBest for fair credit |
4.5 |
$5K to $1.5M | 18% to 80% | 500 | 6 months | Within 72 hours | Visit Fora Financial |
4  Biz2CreditBest for SBA and larger loans |
4.5 |
$25K to $5M | 7.5% to 32% | 650 | 2 years | 2 to 6 weeks | Visit Biz2Credit |
5  CrediblyBest for quick approvals |
4.4 |
$5K to $600K | 20% to 85% | 500 | 6 months | 24 to 48 hours | Visit Credibly |
6  SBG FundingBest for growing businesses |
4.3 |
$10K to $5M | 6.99% to 40% | 600 | 12 months | 24 to 72 hours | Visit SBG Funding |
7  KapitusBest for card heavy businesses |
4.3 |
$10K to $750K | 16% to 70% | 550 | 6 months | Same day | Visit Kapitus |
8  Kalamata CapitalBest for thin credit files |
4.2 |
$5K to $500K | 18% to 75% | 525 | 4 months | 24 to 48 hours | Visit Kalamata Capital |
9  Everest Business FundingBest for same day merchant funding |
4.1 |
$5K to $1M | 22% to 90% | 525 | 6 months | Same day | Visit Everest Business Funding |
10  National FundingBest for equipment purchases |
4.0 |
$10K to $500K | 17% to 78% | 575 | 6 months | Within 24 hours | Visit National Funding |
Swipe the table sideways on a phone to see every column.
The APR is the best place to start, but three things decide what you actually pay back.
APR rolls interest and most fees into one yearly percentage, so it lets you compare a term loan, a credit line and a revenue based offer on the same footing. A low monthly rate or a simple interest figure can look cheap and still carry a high APR once fees and a short term are counted.
Origination fees are often taken out of the money you receive, so a $50,000 loan can land in your account as less. Also ask about draw fees on credit lines, late fees, and whether paying early saves you money or triggers a penalty. Each one belongs in your comparison.
A shorter term means less interest overall but larger payments, while a longer term eases cash flow and costs more in total. How often you pay matters too. Daily or weekly debits feel very different from one monthly payment, even when the totals match.
Here is a $50,000 loan repaid in equal monthly payments under three different offers. The longer term lowers the payment but costs more in total, and a higher APR raises both.
Illustrative figures, rounded to the nearest dollar. Fees are not included.
| Offer | Monthly payment | Total interest | Total repaid |
|---|---|---|---|
| 15% APR over 12 months | $4,513 | $4,155 | $54,155 |
| 15% APR over 24 months | $2,424 | $8,184 | $58,184 |
| 35% APR over 12 months | $4,998 | $9,978 | $59,978 |
Every review covers who the lender suits, what it does well and what to watch before you sign.
Quick working capital with one dedicated advisor from the first call to funding day.
Fundivi takes the top spot because it combines genuinely fast funding with a real person who stays on your file. Underwriting gives as much weight to your monthly revenue as to your credit score, so established businesses with an uneven credit history still get a fair look. Costs are explained in plain terms before you commit, which is exactly what our first test rewards.
Products: Working capital, revenue based funding
Visit Fundivi You will continue on Fundivi's website
A revolving line you can draw on whenever cash runs short, priced up front.
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.
Products: Term loans, lines of credit
Visit OnDeck You will continue on OnDeck's website
Judges the whole business rather than a single credit number.
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.
Products: Working capital, term loans
Visit Fora Financial You will continue on Fora Financial's website
Long term money with a team that helps package the paperwork.
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.
Products: SBA loans, term loans
Visit Biz2Credit You will continue on Biz2Credit's website
Working capital without a pile of paperwork.
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.
Products: Working capital, revenue based funding
Visit Credibly You will continue on Credibly's website
Term loans, credit lines and equipment funding under one roof.
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.
Products: Term loans, lines of credit, equipment financing
Visit SBG Funding You will continue on SBG Funding's website
Funding that can flex with your daily sales.
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.
Products: Revenue based financing, term loans, equipment financing
Visit Kapitus You will continue on Kapitus's website
Fast merchant funding for younger businesses.
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.
Products: Revenue based financing
Visit Kalamata Capital You will continue on Kalamata Capital's website
Straightforward advances when the money is needed today.
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.
Products: Merchant cash advances
Visit Everest Business Funding You will continue on Everest Business Funding's website
Equipment financing and working capital in one relationship.
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.
Products: Equipment financing, working capital
Visit National Funding You will continue on National Funding's websitePick your personal credit score and how long you have been in business. We compare them with each lender's published minimums. Nothing is saved and your credit is not checked.
FundiviMin. credit 500, 3 months in business
Meets minimums
Fora FinancialMin. credit 500, 6 months in business
Meets minimums
CrediblyMin. credit 500, 6 months in business
Meets minimums
SBG FundingMin. credit 600, 12 months in business
Meets minimums
KapitusMin. credit 550, 6 months in business
Meets minimums
Kalamata CapitalMin. credit 525, 4 months in business
Meets minimums
Everest Business FundingMin. credit 525, 6 months in business
Meets minimums
National FundingMin. credit 575, 6 months in business
Meets minimums
OnDeckMin. credit 625, 12 months in business
Borderline credit
Biz2CreditMin. credit 650, 2 years in business
Needs more time in business
Meeting the minimums does not guarantee approval. Lenders also review revenue, cash flow, existing debt and industry.
Falling short of a lender's minimums today does not mean you are stuck. These steps tend to move the needle within a few months.
Lenders read your bank statements more closely than almost anything else. Keep every sale and expense in one dedicated business account so they can see your true revenue and cash flow.
Overdrafts and returned payments are among the fastest ways to get declined. Holding a steady cushion in the account for three to six months shows a lender you can carry a payment.
Paying revolving balances down below 30 percent of their limits and correcting errors on your credit reports can raise a score noticeably within a few billing cycles.
Open trade accounts with suppliers that report to Dun & Bradstreet, Experian and Equifax, and pay them on time. A business credit history helps you qualify on the strength of the company itself.
SBA microloans of up to $50,000, community development lenders, credit unions, equipment financing and business credit cards often accept newer or smaller businesses. Repaying one well opens the door to bigger offers.
Want a starting point that fits where your business is today?
Try the Funding MatchEach lender is scored out of five. These are the weights behind the number.
We check whether a lender shows the price as an APR or a total payback in dollars, and whether origination, draw and early payoff fees are spelled out before you sign.
We compare the advertised timeline with what borrowers report from application to money in the account. A fast quote that funds slowly does not score well.
We look at the credit score, revenue and time in business a lender genuinely accepts, rather than the most generous claim in its advertising.
Early payoff savings, fair renewal rules and payment schedules that can ease off in a slow month all count in a lender's favor.
Every lender on this list passed our review. Wherever you borrow, these warning signs are worth taking seriously.
A trustworthy lender will tell you the APR and the total amount you will repay before you sign. Vague answers usually hide an expensive deal.
Being asked to pay an application or insurance fee before you are approved is a classic sign of an advance fee scam. Legitimate fees are taken from the funded amount.
Offers that expire in hours are designed to stop you comparing. A good offer will still be there tomorrow while you read the contract.
Daily or weekly debits can strain cash flow far more than one monthly payment. Ask exactly how and when payments are collected.
Taking new funding to cover payments on an existing advance can trap a business in a cycle of rising costs. Fix the cash flow problem instead.
Some agreements charge you for paying early, which wipes out the savings of refinancing later. Ask about early payoff before you commit.
A credit line suits uneven cash flow, a term loan suits a planned project, and equipment financing suits a specific purchase. Pick the product first, then the lender.
Ask every lender for the APR and the total amount you will repay in dollars. Two offers with similar payments can cost very different amounts overall.
Look for origination fees, prepayment penalties and how often payments are taken. Daily or weekly payments affect cash flow more than a monthly bill.
Each lender is scored on four tests: cost transparency, speed to funding, realistic access and flexible terms. The weighted results produce a score out of five, and the list is ordered by that score.
It depends on what you need the money for, how quickly you need it, your credit and how long you have been in business. Use the quick picks above as a starting point, then compare the full cost of two or three offers.
APR is meant to include interest and most fees, which is why every figure on this page is shown as an APR. Lenders calculate it in slightly different ways, so always ask for the total repayment amount in dollars as well.
Reading this page has no effect on your credit. Many lenders prequalify with a soft check that does not affect your score. A hard inquiry usually happens only when you submit a full application.
Some lenders pay us when a reader visits them or completes their process. That never decides a lender's position or score. Our Advertising Disclosure explains how this works.
Answer four quick questions and we will point you to the type of funding that suits your business best.
Business Loans Companies is an independent comparison site, not a lender. Amounts, APR ranges and requirements are typical figures published by each lender at the time of review and can change. Confirm the current terms directly with the lender before you apply. See our Advertising Disclosure.