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Lendio carefully selects the lenders it works with in its marketplace, then works with you to find the best business cash advance for your unique situation. Read on for stats on each lender and what each lender is best at.
Learn about our methodology for lender selection here.
Min. credit score
Time to funding
As little as 24 hours once approved
A business cash advance from Kapitus can help you get the funds you need to keep your business going. They can offer up to $750,000—a good amount of money for businesses in the market.
As fast as same day after approval
If you’re looking for a cash advance or a line of credit to help cover costs for your business for a short amount of time, OnDeck’s product might be right for you. They can offer fast funding with no prepayment fees, but beware that missing any repayments can hurt your credit score.
2.5% on first loan, 1.25% on second loan, 0% on third loan and thereafter
As little as 48 hours after approval
Credibly works with financially healthy businesses to provide fast financing based on receivables, and the minimum time in business is just six months. However, there is a monthly administrative fee to be aware of when comparing your options.
2.5% set up fee, plus $50 monthly administrative fee
Within 24 hours
Enjoy a straightforward application process when you apply for financing through Expansion Capital Group. Credit score requirements start at 550 with a minimum monthly revenue of $10,000. Newer businesses can apply too, with just six months in business required to apply.
Origination fee plus flat finance fee
As fast as same day
Good Funding makes it easy to get same day decisions and funding, making it an option for businesses who need cash fast. They specialize in working with a variety of industries, including auto repair, trucking, accounting, logistics, and transportation.
3% origination fee
Forward Financing makes it quick and easy to qualify for a business cash advance. If you finalize your paperwork by 3 p.m. Eastern time, you could even get same-day funding. Additionally, there is no personal guarantee required and you can adjust your payments if your revenue changes.
Upfront processing fee (varies by loan amount)
Up to 16 months
Businesses looking for a large amount of financing should consider Backd for their cash advance. This funding option can go as high as $2 million. Plus, repayment terms can extend as long as 16 months. It can take up to 48 hours to receive funding, and payments are deducted daily or weekly.
As little as 24 hours
Kalamata offers generous cash advance amounts to established businesses with revenue of at least $20,000 per month. Approvals take three hours or less, with time to fund in as little as 24 hours. Kalamata advances are available for businesses in most industries and the company works in all 50 states.
Up to 7 months
Less than 24 hours
Although Lendini doesn’t offer cash advances in the millions, the eligibility requirements are more lenient than those of other financing companies. You only need to be in business for eight months with a minimum monthly revenue of $7,500. Plus, the minimum credit score is just 470.
Varies (depends on cash advance amount)
As soon as next business day
Mulligan caters to businesses of all sizes, with cash advances going all the way up to $1 million. You do need at least $42,000 in monthly sales to apply with Mulligan. But it’s easy to do with an application that takes just minutes to complete and approval times within hours.
National Funding offers flexible cash advances to use for working capital. The minimum credit score is just 6000, but you will need monthly revenue of at least $41,000 in order to apply. Once your application is approved and you return your financing agreement, you can get funding within 24 hours.
2.5% origination fee
As fast as same or next day
You’ll find large cash advance amounts with Libertas, along with revenue requirements of at least $50,000 per month. But if you qualify, you can get funds deposited in as little as 24 hours.
Up to 12 months
Quickbridge offers cash advances that can be repaid over the course of 12 months. The credit requirements start at 600, and you need to be in business for one year with $20,000 in monthly revenue to apply.
2% origination fee
Wondering how we chose the best? We used the following criteria to evaluate the lenders in our network.
*The information contained in this page is Lendio’s opinion based on Lendio’s research, methodology, evaluation, and other factors. The information provided is accurate at the time of the initial publishing of the page (November 28). While Lendio strives to maintain this information to ensure that it is up to date, this information may be different than what you see in other contexts, including when visiting the financial information, a different service provider, or a specific product’s site. All information provided in this page is presented to you without warranty. When evaluating offers, please review the financial institution’s terms and conditions, relevant policies, contractual agreements and other applicable information. Please note that the ranges provided here are not pre-qualified offers and may be greater or less than the ranges provided based on information contained in your business financing application. Lendio may receive compensation from the financial institutions evaluated on this page in the event that you receive business financing through that financial institution.
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