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Business Line of Credit Reviews

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  • Newtek Lending

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    Newtek is a direct lender that provides personalized solutions to fit the specific needs of each small business that seeks financing. Newtek is ideal for small businesses but be wary of its opaque rates and terms.

  • Celtic Bank Small Business Loans

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    Celtic Bank is one of the biggest originators of SBA 7(a) loans and SBA 504 loans. It is one of the more accessible bank lenders out there when it comes to business loans, with less stringent requirements than most of its competitors. However, make sure you ask about their fee structure and interest rates before signing any papers.


    Minimum Time in Business:
    1-2 years


    Borrowing Amount:
    Less than $50,000 up to $1,000,000+

  • LendingTree Business Loans

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    LendingTree is an online platform connecting individuals and businesses to a wide range of financial products through its lending partners. It has relaxed loan qualifications and ideal for new businesses. Be cautious of its non-transparent terms and fees.


    Minimum Time to Funding:
    1 day

  • National Business Capital

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    National Business Capital (NBC) is a lending-advisory service that links small business applicants to one of its 75+ lending affiliates. It is suitable for startups, new, and mature-but-credit-challenged businesses. Be cautious that you’re unlikely to get the absolute best rates.


    Required Annual Revenue:
    $100,000+


    Borrowing Amount:
    Less than $50,000 up to $1,000,000+
    Minimum Time to Funding:
    1 day

  • U.S. Bank Business Loans

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    U.S. Bank offers business term loans, lines of credit, and SBA loans to small businesses. They have stringent borrower qualifications but their interest rates are usually lower. U.S. Bank Business Loans are suited for small to large businesses.


    Minimum Time in Business:
    1-2 years


    Borrowing Amount:
    Less than $50,000 up to $250,000

  • Bank of America Business Loans & Lines of Credit

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    Bank of America offers a large, versatile breadth of loan products at competitive rates, but at the cost of fairly conservative lending practices and standards. Business loans from Bank of America are suited for small to large businesses. Despite its low-interest rates, it has stringent borrower qualifications and a poor public reputation.


    Minimum Time in Business:
    1-2 years
    Credit Score:
    650+
    Required Annual Revenue:
    $100,000+


    Borrowing Amount:
    Less than $50,000 up to $100,000

  • Wells Fargo Business Loans

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    Wells Fargo offers unsecured business loans, lines of credit, and SBA loans to its business customers. Wells Fargo’s rates, terms, and fees are significantly better than you’ll find in most of the alternative market. But they have strict borrower qualifications and businesses with revenue problems will probably have a hard time meeting them.


    Borrowing Amount:
    Less than $50,000 up to $1,000,000+
    Minimum Time to Funding:
    1 day

  • Rapid Finance

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    Rapid Finance (formerly Rapid Advance) is an alternative small business funder. It offers merchant cash advances (MCAs) and short-term business loans to small businesses seeking short-term funding. Unlike many of its competitors, it provides a number of variations on the typical MCA, leading to a slightly longer application process but also better rates in many cases.


    Minimum Time in Business:
    1-2 years
    Required Annual Revenue:
    Less than $100,000


    Borrowing Amount:
    Less than $50,000 up to $1,000,000

  • Lendio

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    Lendio is a business financing platform that matches customers to funders, including SBA/PPP lenders. It has a relaxed credit score requirement, and there’s no fee for using the service.


    Minimum Time in Business:
    1-2 years
    Credit Score:
    650+
    Required Annual Revenue:
    Less than $100,000


    Borrowing Amount:
    Less than $50,000 up to $1,000,000
    Minimum Time to Funding:
    1 day

  • Fundbox

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    Fundbox is a business lender that specializes in offering lines of credit to small businesses. Merchants access this line by connecting either their business checking account or accounting software to Fundbox’s platform, and a credit decision is returned in three minutes or less. Fundbox requires a credit score of at least 500 and three months' time in business.


    Minimum Time in Business:
    Less than 1 year
    Required Annual Revenue:
    Less than $100,000


    Borrowing Amount:
    Less than $50,000 up to $100,000
    Minimum Time to Funding:
    1 day