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National Funding: Best for early payoff discount
4.4
Interest rate
Factor Rates Starting at 1.10
Max loan amount$5k-$500K
Fastest funding1 business day
Term length4 - 24 months
Customer score
4.3
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Credibly: Best for bad credit
4.5
Interest rate
1.11 factor rate
Max loan amount$25k-$400K
Fastest funding1 business day
Term length3 - 15 months
Customer score
4.1
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iBusiness Funding: Best for flexible repayment terms
4.5
Interest rate
Starting at 7.90% simple interest
Max loan amount$25k-$500K
Fastest funding2 business days
Term length6 - 84 months
Customer score
4.3
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QuickBridge: Best for loan variety
4.3
Interest rate
Varies
Max loan amount$10k-$500K
Fastest funding1 business day
Term length4 - 24 months
Customer score
4.5
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OnDeck: Bankrate 2025 Award Winner Best lender for startups
4.5
Interest rate
Starting at 27.30% APR
Max loan amount$5k-$250K
Fastest funding1 business day
Term length3 - 24 months
Customer score
4.1
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on BusinessLoans.com

Fundbox: Best for startups
4.3
Interest rate
Starting at 4.66%
Max loan amount$1k-$150K
Fastest funding1 business day
Term length3 - 6 months
Customer score
4.2
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on BusinessLoans.com

American Express Blueprint: Best for low revenue requirements
4.2
Interest rate
N/A
Max loan amount$2k-$250K
Fastest fundingN/A
Term lengthN/A
Customer score
4.6
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on BusinessLoans.com

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Bank of America: Best for the bank experience
4.1
Interest rate
Starting at 8.50%
Max loan amount$10k-$500K
Fastest fundingN/A
Term length12 - 60 months
Customer score
4.1
Wells Fargo Business: Bankrate 2025 Award Winner Best small business lender for good-to-excellent credit
4.2
Interest rate
Starting at 10.00%
Max loan amount$10k-$150K
Fastest funding1 business day
Term length3 - 24 months
Customer score
4.3
Accion Opportunity Fund: Bankrate 2025 Award Winner Best CDFI for small business loans
4.1
Interest rate
8.49- 24.99%
Max loan amount$5k-$250K
Fastest fundingN/A
Term length12 - 60 months
Customer score
4.4
Fora Financial: Best for fast approval
4.4
Interest rate
Starting at 1.10 factor rate
Max loan amount$5k-$1.5M
Fastest funding1 business day
Term length6 - 18 months
Customer score
4.2
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on partner site

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