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Lendio carefully selects the lenders it works with in its marketplace. Then works with you to find the best line of credit 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.
Starting at 4.9% for 6 month repayment schedule
Up to $250,000
6 or 12 months
Min. credit score
Time to funding
As fast as 24 hours after approval
BlueVine’s line of credit is ideal for startups because the loan amount is high and once you pay off what you borrowed the amount returns to it’s original amount. Meaning you could have the funds you need to really get your business started. Plus, the requirement is just 6 months in business making it accessible to more new businesses than some other funding products.
Idea Financial is home to fast, flexible financing solutions that empower small business
owners to transform their ideas into reality. We offer same-day approval on business
loans and lines of credit of up to $250,000 with up to 36-month repayment terms, so
qualified applicants can improve their cash flow, mitigate business risk, and invest with a
low cost of capital. We back these products up with financing expertise, cutting-edge
technology, and commitment to superior customer service.
12, 18, 24 months
Headway Capital offers a true revolving line of credit. Their monthly payments and ongoing access
to capital make it a great product for those who want to be able to access funds at any time. With
their fast and easy application and funding process you can have funds in your account within one
11.29% to 30.12%
$25,000 to $500,000
6 months to 5 years
As fast as 3 days after approval
For a term loan go to Funding Circle. The lender offers large loan amounts with good fees for an online lender. But their requirement of a 660 credit score makes it more difficult to qualify than some other online lenders might be.
Origination fee 3.49% to 6.99%, late payment fee 5% of missed payment
$50,000 to $500,000
Credibility Capital provides low-cost financing solutions to successful small businesses, without
the collateral requirements or hassle and endless paperwork of SBA and conventional bank loans.
We deliver a fast, seamless, fully digital experience. We will provide an immediate indication of
eligibility, conduct final underwriting, and fund your loan in as little as 3 days from application. Credibility Capital is the trustworthy source for small business credit. Our Trustpilot rating of
customer satisfaction is 4.9 on a 5.0 scale, and we have an A+ rating from the Better Business
Current prime rate + lender rate
Up to $5 million
7 to 25 years
30 to 60 days SBA turnaround
As far as SBA loans go, the SBA 7(a) is one of the most flexible. It allows businesses to use the funds in a number of ways and has a great interest rate. Cadence Bank is an SBA lender and can help you get the Small Business Administration backed loans for your business.
BayFirst Financial is one of the most premier financial institutions in the Tampa Bay area.
The Bank offers a full range of products, including checking and savings accounts,
personal loans, and investment services. It also provides nationwide residential
mortgages and business banking services that include Small Business Administration
(SBA) loans originated through its SBA lending division, CreditBench, which is
consistently one of the top producing SBA lenders in the country.
7 – 25 years
4.99% simple interest
Up to $2 million
Balboa Capital, a division of Ameris Bank, is a technology-driven financing company that
provides business owners and vendors with fast, hassle-free small business funding options to
fuel their growth and success. The company specializes in small business loans, SBA loans,
equipment financing, commercial financing, equipment vendor financing, and franchise
financing. Balboa Capital developed an intuitive online platform that simplifies the entire
financing process. Calculators provide instant estimates, applications can be completed and
submitted in a matter of minutes, and sophisticated credit scoring technology provides instant
Clicklease offers affordable payment plans to help you get the equipment your
business needs to grow. Clicklease provides instant approvals from $500 to $25,000.
Applications use a soft credit pull and have zero impact on your personal credit. Our
amazingly fast process can be completed in less than ten minutes.
Up to $750,000
Up to 16 months
1-2 Business Days
Fora Financial is a leading business financing lender that has provided over $2 billion to more than
25,000 business owners nationwide. Fora Financial makes the process of securing $5k to $750k in
working capital fast and easy, with approval in as little as 24 hours. Securing funding to use for
payroll, equipment, inventory, marketing expenses, or anything else your business requires, is a
simple application process. Upon approval, funds can be deposited into your business bank
account in as little as 72 hours. Fora Financial, here when you need Working Capital.
Monthly maintenance fee of $20
$6,000 to $750,000
6 – 36 months
1 Business Day
Starting at 29.90%
$6,000 to $100,000
12-month repayment term, resets after each withdrawal
As fast as same day after approval
If you’re looking for 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.
None, based on your accounts receivable
A world leading fintech backed by equity investments from a $30-billion-plus family
office, a $900 billion wealth manager, an international bank, and a FINRA-registered
broker-dealer, Raistone enables the financing of billions of dollars in transactions every
Our best-in-class technology coupled with unparalleled access to institutional capital
allows us to extend financing to companies of all sizes. With Raistone, financing is fully
integrated with the same software platforms buyers and suppliers already use today. We
provide facilities from $50,000 to $500 million+.
Factor rate as low as 1.09 ( They calculate factor rate = purchased amount ÷ advanced amount
Up to $10 million
GillmanBagley is a pacesetting provider of invoice financing and lines of credit to the
small business community. The financing solutions offered by GillmanBagley leverage
accounts receivable to provide liquidity up to $5,000,000 for B2B companies and
government contractors looking to improve working capital. Their customer first
approach and creative programs make them a top rated small business lender in the
A low as 1%
No term, they take on your invoices
None, based on invoices
As fast as 48 hours after approval
Invoice factoring allows you to sell your outstanding invoices to a company for a lump sum of cash. They of course take a percent of those invoices but then they handle the collection. Eagle Business Funding can do exactly that for your business if you decide to pass your invoices along to a third party.
Wondering how we chose the best? Here’s how we went about evaluating 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. 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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California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through Lendio Partners, LLC, a wholly-owned subsidiary of Lendio, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694.