Trying to find the right loan for your small business can feel like hunting for a needle in a haystack. There are tons of lenders out there saying they’ve got fast cash and low rates, but it’s hard to tell who’s really legit. That’s where the Small Business Loans USA marketplace helps out. These online sites connect business owners with trusted lenders, so it’s easier to check out your choices and pick what works best for your business.
The fastest small business loans online are kind of changing the game. Instead of waiting around for weeks at a regular bank, you can now get a thumbs up in just minutes and have the money in your account within a few days. The best banks for small business loans are now going up against online lenders and fintech companies, so there are way more choices than before. And whether you need cash to keep things running, buy gear, or grow your business, today’s top lenders offer flexible plans and super easy applications—stuff that would’ve been a pain just a few years ago.
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Comparison of Top 10 Small Business Loans Websites In USA
| Sr | Image | Name | Rating | Pricing | Compatibility | Features | Software Page |
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| 1 |
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Lendio | Free | Windows, Mac, Mobile, Web-based |
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| 2 |
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Bluevine | Paid | Windows, Mac, iOS, Android, Web-based |
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| 3 |
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OnDeck | Paid | Windows, Mac, Mobile, Web-based |
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View Details | |
| 4 |
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Fundbox | Paid | Windows, Mac, iOS, Android, Web-based |
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View Details | |
| 5 |
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Credibly | Paid | Windows, Mac, Mobile, Web-based |
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| 6 |
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Accion Opportunity Fund | Paid | Windows, Mac, Web-based |
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| 7 |
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Wells Fargo | Paid | Windows, Mac, iOS, Android, Web-based |
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| 8 |
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Bank of America | Paid | Windows, Mac, iOS, Android, Web-based |
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| 9 |
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National Funding | Paid | Windows, Mac, Mobile, Web-based |
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| 10 |
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American Express | Paid | Windows, Mac, iOS, Android, Web-based |
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View Details |
1. Lendio: Your marketplace for comparing small business loan offers
Lendio
Lendio’s kind of like having a personal shopper, but for small business loans in the U.S. Instead of going from lender to lender on your own, you just fill out one quick form and they hook you up with choices from a big group of over 75 lenders. It’s actually pretty smart when you think about it they have already checked out the lenders, so you don’t have to stress about it.
Lendio started back in 2011, and yeah, they’re legit. They have helped small businesses get more than billion in funding so far. What really makes them stand out is their huge network, which includes well known names like Bluevine, OnDeck and Credibly. You’ll see all kinds of loan options regular term loans, merchant cash advances and more, so there is probably something that’ll work for you.
Key Features
- Access to 75+ vetted lenders through one application
- Loan amounts from $500 to $5 million
- Rates starting at 6% depending on your qualifications
- Free loan matching service with no upfront fees
- Multiple loan types including term loans, lines of credit, and SBA loans
- Personal loan advisors to guide you through the process
Pros & Cons
✅ Pros
- Saves time by connecting you with multiple lenders at once
- No fees to use their marketplace service
- Wide range of loan amounts and types
- High customer satisfaction with 4.8 out of 5 on Trustpilot
- Personal support from loan advisors
❌ Cons
- You will still need to meet individual lender requirements
- May receive multiple offers that can be overwhelming
- Some partner lenders have higher rates than direct applications
Device Compatibility:
Lendio runs through their website and a phone-friendly platform, so you can use it on pretty much any device with internet. Their online form works on Windows, Macs, tablets, and smartphones. The setup’s made to be easy to use—whether you’re good with tech or just like things simple.
Pricing:
- Service Fee: FREE (Lendio doesn’t charge borrowers)
- Loan Rates: Varies by lender (Starting from 6% APR)
- Application Fee: $0
- Processing Fee: $0
2. Bluevine: Fast online lines of credit and term loans for businesses
Bluevine
Bluevine’s become a go-to for small biz owners who need fast cash online. They mainly offer two things — business lines of credit and term loans — but they’re really solid at both. If you need money quick and don’t wanna drown in paperwork, Bluevine might be your best bet.
They’re great for businesses that deal with ups and downs, like seasonal stuff or surprise bills. And they really work best for companies that are already up and running with steady income. But heads-up: their rules are a bit stricter than some other places. You’ll need to be making at least $40k a month for 6-month terms, and $80k monthly if you want a 12-month deal.
Key Features:
- Business lines of credit up to $250,000
- Term loans with 6 or 12-month repayment terms
- Starting interest rates at 7.8 percent for lines of credit
- Same-day funding available (with fees)
- Instant funding to Bluevine Business Checking accounts
- Simple online application process
Pros & Cons
✅ Pros
- Super fast funding - sometimes same day
- Clean, easy-to-use online platform
- No prepayment penalties
- Only pay interest on what you use (for lines of credit)
- Good customer reviews with 4.4 out of 5 on Trustpilot
❌ Cons
- Higher revenue requirements than many competitors
- Short repayment terms (only 6 or 12 months)
- $15 fee for wire transfers if you want same-day funding
- Limited loan products compared to other lenders
Compatibility:
Bluevine works on pretty much any device or system. You can apply and handle your account right on their website using Windows, Mac, or your phone. They have also got a mobile app for both iPhone and Android, so you can check your balance and make payments wherever you are.
Pricing:
- Lines of Credit APR: 7.8% – 68%
- Term Loan APR: 15% – 68%
- Origination Fee: 0% – 5%
- Wire Transfer Fee: $15 (for same-day funding)
- Monthly Fee: $0
- Minimum Revenue Required: $40K/month (6-month), $80K/month (12-month)
3. OnDeck: Quick funding for established small businesses with term loans and lines of credit
OnDeck
OnDeck’s been around for a while when it comes to business loans. They were one of the first to do online lending and have helped tons of small businesses get money over the years. They might not be the flashiest pick, but they have got a strong track record and really know their stuff.
OnDeck gives out term loans up to 0K and lines of credit up to 0K, and you can get the money as soon as the same day. They’re a great option if your business needs a bigger chunk of cash and you want to go with a lender that’s been through the ups and downs. You can kind of tell from how smooth their process is and how solid their customer service feels.
Key Features:
- Term loans from $5,000 to $250,000
- Business lines of credit up to $100,000
- Loan terms from 3 to 36 months
- Quick online application and approval process
- Same-day funding available
- Transparent fee structure with no hidden costs
Pros & Cons
✅ Pros
- Established company with years of experience
- Higher loan amounts than many online lenders
- Flexible repayment terms up to 36 months
- Good for businesses with less-than-perfect credit
- No collateral required for most loans
❌ Cons
- Can't offer loans for business purchases or home-based businesses
- Won't work with businesses that have liens over $20,000
- Higher interest rates than traditional banks
- Factor rates can be confusing for some borrowers
Device Compatibility:
OnDeck’s site works through web browsers on Windows, Mac, and phones too. Their website’s made for mobile, so you can fill out applications and handle your account right from your phone or tablet—no need to download an app.
Pricing:
- Term Loans APR: 10.99% – 99%
- Lines of Credit APR: 13.99% – 99%
- Origination Fee: 1% – 5%
- Factor Rate: 1.12 – 1.50 (for some products)
- Processing Fee: $500
- Minimum Credit Score: 600
4. Fundbox: Flexible lines of credit for managing cash flow
Fundbox
Fundbox does small business loans a bit differently in the U.S. Instead of just looking at your credit score, they check out how your cash flow’s doing. They’re great for businesses that are waiting on invoices or just need some help covering costs until payments roll in. Think of them like that friend who spots you when money’s tight.
Even new businesses can get funding through Fundbox, which is a big deal since most lenders want you to have been around for a while. They use tech to check your business’s money health right away, so you might get approved even if the usual banks said no.
Key Features:
- Invoice factoring and accounts receivable financing
- Business lines of credit up to $150,000
- Weekly repayment schedule
- No minimum credit score requirement
- Instant pre-qualification through their platform
- Integration with accounting software like QuickBooks
Pros & Cons
✅ Pros
- Great for businesses with poor credit
- Quick approval and funding process
- Flexible qualification criteria
- Helps improve cash flow management
- No long-term contracts required
❌ Cons
- Higher costs than traditional loans
- Weekly payments can be challenging for some businesses
- Limited to businesses with invoices or receivables
- Smaller loan amounts compared to term loan providers
Device Compatibility:
Fundbox works on all the big platforms Windows, Mac, iOS, and Android. Their website works well on phones too and they hook up with popular accounting apps to make applying way easier.
Pricing:
- Weekly Rate: 1.0% – 4.5% (of advance amount)
- Equivalent APR: 16% – 103%
- Application Fee: $0
- No Hidden Fees
- Repayment: Weekly payments
- No Minimum Credit Score Required
5. Credibly: Streamlined online loans for quick working capital
Credibly
Credibly stands out as one of the more flexible top small business lenders out there. They’ve got a bunch of funding options and work with all kinds of businesses. What’s cool is they don’t try to shove everyone into the same mold — they actually take time to look at your business on its own.
They care more about building real relationships with borrowers than just pushing paperwork. They’ll sit down and help you figure out what works best for your situation, whether that’s a regular loan or something a bit different, like a merchant cash advance.
Key Features:
- Multiple funding options including term loans and merchant cash advances
- Loan amounts from $10,000 to $400,000
- Fast approval process with same-day decisions
- Flexible repayment terms
- Industry-specific loan programs
- Dedicated account managers for ongoing support
Pros & Cons
✅ Pros
- Variety of funding options to choose from
- Works with businesses in challenging industries
- Personal service with dedicated account managers
- Fast approval and funding process
- Flexible qualification requirements
❌ Cons
- Higher interest rates than traditional banks
- Some products have daily or weekly payment schedules
- Limited transparency on rates and fees upfront
- May require personal guarantees for larger amounts
Device Compatibility:
You can use Credibly’s platform on most web browsers, whether you’re on a Windows computer, a Mac, or even your phone. They mostly keep in touch by phone or email, so even though you start the application online, a lot of it happens through direct chats with their team.
Pricing:
- Term Loans APR: 6% – 99%
- Merchant Cash Advance: Factor rates 1.2 – 1.5
- Origination Fee: 0% – 6%
- Processing Fee: Varies
- Repayment: Daily, weekly, or monthly options
- Minimum Credit Score: 550+
6. Accion Opportunity Fund: Affordable loans for underserved small business owners
Accion Opportunity Fund
Accion Opportunity Fund is not like most small business loan places in the U.S. They are a nonprofit, which means their main goal is to help people in communities that usually get left out. They often give loans to small businesses that regular banks might skip over. So if you run a business in a low-income area or you’re a minority owner, they could be a good place to look into.
They mostly offer smaller loans and also throw in extra help besides just money. You will get business coaching and tools to help your business grow, which is super helpful if you are just getting started and need a bit of guidance along the way.
Key Features:
- Microloans from $300 to $100,000
- Business coaching and support services
- Focus on underserved communities
- Competitive interest rates for microloans
- Flexible collateral requirements
- SBA loan programs available
Pros & Cons
✅ Pros
- Mission-driven organization focused on helping small businesses
- Additional business support and coaching included
- Works with businesses that banks might reject
- Competitive rates for smaller loan amounts
- Community-focused approach
❌ Cons
- Smaller loan amounts than commercial lenders
- Longer application process than online lenders
- Limited geographic coverage
- May require more documentation than fintech companies
Device Compatibility:
Accion Opportunity Fund mostly runs things through their website, and it works fine on all the big browsers and devices. But a lot of what they do involves talking to real people, so you’ll probably have to chat with them by phone or email instead of handling everything online by yourself.
Pricing:
- Microloan APR: 7% – 16%
- SBA Microloan Rate: 8% – 13%
- Application Fee: $0
- Closing Costs: 2% – 5%
- Business Coaching: Included free
- Terms: 6 months to 5 years
7. Wells Fargo: Traditional bank loans with SBA options and lines of credit
Wells Fargo
Wells Fargo takes a more old-school route when it comes to business loans. As one of the top banks out there for small business funding, they give you that big-bank feel — safe, steady, and kind of familiar. If you’re the type who likes chatting in person and already banks with them, it might just feel right.
They’ve got a range of small business loans, like SBA options and gear financing. They’re not the quickest, sure, but if you’ve got good credit, their rates can be solid. And having a big-name bank backing you up? That can help you sleep a bit better at night.
Key Features:
- Wide range of business loan products
- SBA loans with government backing
- Equipment and real estate financing
- Business lines of credit and term loans
- Local branch support and relationship managers
- Integration with business banking services
Pros & Cons
✅ Pros
- Established reputation and financial stability
- Competitive rates for qualified borrowers
- Local branch support available
- Wide range of loan products
- SBA loan expertise
❌ Cons
- Lengthy application and approval process
- Strict qualification requirements
- Requires strong credit and financials
- Less flexible than online lenders
- May require existing banking relationship
Device Compatibility:
Wells Fargo lets you apply online right on their website, which works on Windows, Mac, and your phone or tablet. They’ve also got apps for both iPhones and Androids. And if you want, you can always drop by one of their branches to talk to someone face-to-face.
Pricing:
- SBA Loans APR: 6.75% – 13.5%
- Term Loans APR: 7.5% – 15%
- Lines of Credit APR: Prime + 1% – 4%
- Origination Fee: 0.5% – 3%
- SBA Guarantee Fee: 0.25% – 3.75%
- Minimum Credit Score: 680+
8. Bank of America: Wide range of business loans, including SBA-backed programs
Bank of America
Bank of America brings serious muscle to the Small Business Loans USA scene. They are one of the biggest banks around, which means they have got the cash to back bigger projects and the setup to handle tricky financing needs. If your business is growing fast and needs a good chunk of funding, they’re definitely worth a look.
They don’t only give loans. They have lots of other banking services for businesses, so you can do all your money things in one place. Their small business loan team knows it’s not easy to grow a business and can help you step by step.
Key Features:
- Business term loans and lines of credit
- SBA loan programs
- Equipment and commercial real estate financing
- Merchant services and business banking integration
- Relationship-based lending approach
- Online and mobile banking platforms
Pros & Cons
✅ Pros
- Large bank stability and resources
- Comprehensive business financial services
- Competitive rates for qualified borrowers
- Nationwide presence with local support
- Strong SBA lending program
❌ Cons
- Strict qualification requirements
- Slower approval process than online lenders
- May require substantial documentation
- Less flexible terms than alternative lenders
- Preference for existing customers
Device Compatibility:
Bank of America lets you do online banking and apply for loans on their website and mobile apps. You can use their platform on almost any device and they have apps for both iPhones and Android phones.
Pricing:
- Term Loans APR: 7.25% – 14.25%
- SBA Loans APR: 7% – 13%
- Lines of Credit APR: Prime + 0.75% – 3.5%
- Origination Fee: 1% – 3%
- Annual Fee: $0 – $150 (depending on product)
- Minimum Credit Score: 700+
9. National Funding: Quick equipment financing and working capital, even with imperfect credit
National Funding
National Funding gives some of the fastest small business loans you can get online. They help businesses that regular banks might say no to but still need cash fast. Their process is more flexible than banks, but way more trustworthy than a lot of new fintech companies.
They have different ways to fund you and work quickly to get you money fast. If banks turn you down or you need cash quicker than usual lenders, they’re a good middle ground between banks and those pricey cash advance places.
Key Features:
- Multiple funding products including term loans and cash advances
- Quick application and approval process
- Loan amounts from $10,000 to $500,000
- Flexible qualification criteria
- Industry-specific programs
- Same-day funding available
Pros & Cons
✅ Pros
- Fast approval and funding process
- Works with businesses banks might reject
- Multiple funding options available
- Experienced in alternative lending
- No collateral required for many products
❌ Cons
- Higher interest rates than traditional banks
- Some products have daily payment requirements
- Limited transparency on costs upfront
- May require personal guarantees
- Shorter repayment terms than bank loans
Device Compatibility:
National Funding works through their website, which you can use on Windows, Mac and mobile devices. Most of the application is done online, but they also have phone support if you have questions or need help along the way.
Pricing:
- Term Loans APR: 10% – 150%
- Equipment Financing APR: 8% – 30%
- Merchant Cash Advance: Factor rates 1.15 – 1.45
- Origination Fee: 2% – 8%
- Processing Fee: $500 – $2,500
- Minimum Credit Score: 550+
10. American Express: Business lines of credit for fair credit and working capital needs
American Express
American Express gives business loans to their cardholders and other small businesses. They already have strong ties with many companies, and they use that to offer these loans. They also bring their well-known customer service to the loan side. If you’re an Amex customer, you might get some special deals.
Their loans work well with their other business tools. It’s like a full money system for business owners. They mainly help businesses that have been around a while and have good credit and strong income.
Key Features:
- Business term loans and lines of credit
- Preferential rates for existing customers
- Integration with American Express business cards
- Online application and management platform
- No prepayment penalties
- Competitive rates for qualified borrowers
Pros & Cons
✅ Pros
- Strong customer service reputation
- Competitive rates for qualified borrowers
- Integration with existing Amex products
- No prepayment penalties
- Established financial services company
❌ Cons
- Limited availability compared to dedicated lenders
- Strict qualification requirements
- Preference for existing customers
- Smaller loan amounts than some competitors
- Less flexible than alternative lenders
Device Compatibility:
American Express runs their business loans through an online platform that works on Windows, Mac and phones. They also have mobile apps for iOS and Android. These apps connect with their other business tools, so you can manage your loan and other accounts all in one place.
Pricing:
- Term Loans APR: 6.98% – 16.99%
- Lines of Credit APR: 9.74% – 19.74%
- Origination Fee: 0% – 4%
- Annual Fee: $0
- No Prepayment Penalties
- Minimum Credit Score: 650+
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Vijay Datt is a website developer, software expert, and SEO specialist. He writes about the latest software, graphic design tools, and SEO strategies. With expertise in web development and image creation, he helps businesses grow online. His articles provide valuable insights to enhance digital success.
