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Business Loans: Find the Right Financing for Your Business
You can borrow between $5,000 and $5,000,000 depending on your business type, revenue, and credit profile. Rates run 7% to 35% — lower for SBA and equipment loans, higher for fast or bad-credit options. Funding timelines range from 24 hours to 90 days. The right loan depends on what you need the money for. Use the table below to find your fastest path forward.
Quick Qualifier: Match Your Need to the Right Loan
| Business Need | Best Loan Type | Amount Range | Speed |
|---|---|---|---|
| Buy equipment | Equipment Financing | $10K – $5M | 2–5 days |
| Cover payroll or inventory | Working Capital Loan | $5K – $500K | 24–72 hours |
| Expand or grow | SBA Loan or Business Line of Credit | $50K – $5M | 2–90 days |
| Start a business | Startup Loan | $5K – $150K | 5–30 days |
| Bad credit | Bad Credit Business Loan or MCA | $5K – $250K | 24–48 hours |
| Fast funding needed | Merchant Cash Advance or Invoice Factoring | $5K – $500K | 24 hours |
Loan Types We Match You With
SBA Loans
Government-backed loans with the lowest rates available — best for established businesses that can wait 30–90 days for funding.
Equipment Financing
Finance machinery, vehicles, or technology using the equipment itself as collateral — no blanket lien required.
Working Capital Loans
Short-term funding to cover everyday expenses like payroll, rent, or inventory when cash flow is tight.
Business Line of Credit
Draw only what you need, when you need it — pay interest on the balance used, not the full credit limit.
Invoice Factoring
Convert unpaid invoices into immediate cash — no debt added, no waiting 30–90 days for clients to pay.
Merchant Cash Advance
Get a lump sum upfront in exchange for a percentage of daily card sales — fast approval, flexible repayment.
Startup Loans
Funding options built for businesses under two years old — including microloans, personal business loans, and SBA microloan programs.
Bad Credit Business Loans
Options available down to 500 FICO — lenders focus on revenue and cash flow, not just your credit score.
How Our Matching Works
- Tell us your situation. Answer a few questions about your business — revenue, time in business, how much you need, and what it’s for. Takes under two minutes.
- We match you to lenders. Our system compares your profile against multiple lenders simultaneously — no shotgun applications, no hard credit pull at this stage.
- Review real offers. You’ll see actual loan options with rates, terms, and repayment structures. Choose the one that fits. We help you close it fast.
Frequently Asked Questions
Can I get a business loan with bad credit?
Yes. Several lenders work with credit scores as low as 500. Options like merchant cash advances and invoice factoring weigh your revenue and cash flow more heavily than your credit score. Your approval odds improve significantly if your monthly revenue exceeds $10,000, regardless of credit history.
How fast can I get funded?
Some lenders fund within 24 hours of approval — merchant cash advances and working capital loans are the fastest. SBA loans take 30–90 days due to underwriting requirements. Equipment financing typically closes in 2–5 business days. When you apply, specify your timeline so we match you to lenders that can deliver.
What documents do I need to apply?
Most lenders require three to six months of business bank statements, a government-issued ID, and your basic business details — legal name, EIN, and time in business. SBA loans require tax returns and financial statements. Fast-funding options often need only bank statements and a one-page application to get started.
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Sources referenced on this page
Authoritative references consulted for lender-program details, rate ranges, and eligibility requirements discussed above. See our research sources policy for how we verify claims.