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Compare $50,000 business loans

Find the right lender even if you have a startup, but bad credit could leave you paying more.

You have lots of choices when you need a $50,000 business loan — most lenders offer loans of this size. But the best loan for your business depends on your company’s needs. Comparing providers before you apply helps ensure you get a competitive deal. Select the range for your annual revenue, time in business and credit score to see personalized results.
Name Product Filter Values Min. Amount Max. Amount APR Requirements
Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★
Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Lendio business loans
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★
OnDeck short-term loans
$5,000 – $250,000
As low as 35%
600+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
OnDeck short-term loans
A leading online business lender offering flexible financing at competitive fixed rates.
Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★
Biz2Credit business loans
$25,000 – $6,000,000
Starting at 6.50%
6+ months in business; $100,000+ annual revenue; 500+ credit score
Biz2Credit business loans
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.
ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★
ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
ROK Financial business loans
A connection service for all types of businesses — even startups.
Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★
Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Fundbox lines of credit
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Compare up to 4 providers

Where to get a $50,000 business loan

You can get a $50,000 business loan from most providers.

  • Online lenders can get your business $50,000 as soon as the next business day and tend to have lower credit and time-in-business requirements.
  • Community and regional banks can take a few weeks to fund a $50,000 business loan but offer expert advice and faster funding in the future.
  • Microlenders sometimes offer business loans as high as $50,000, though the maximum loan amount for bad credit and startup programs might be lower.
  • Large national banks with small business programs sometimes also offer $50,000 business loans. But many prefer to work with large and midsize businesses.
  • Credit unions with business loan programs often offer $50,000 — but you need to become a member to qualify.

Calculate the cost of a $50,000 business loan

The cost of a $50,000 business loan depends on the APR and term you receive. This typically includes an origination fee of around 1% to 6% that’s either added to or deducted from your balance at closing. For a $50,000 loan, that works out to $500 to $3,000.

Use our calculator to estimate of your monthly payment and total loan cost based on different rates and terms.

Business loan calculator

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Some loans come with fixed fees instead of interest. But your lender should be able to offer you an APR before you apply.

How to apply

You can apply for a $50,000 business loan by comparing lenders, prequalifying and filling out an application with your final pick.

Before you start comparing, decide what type of loan you need. If you’re funding a one-time cost, look for a $50,000 term loan. If you have ongoing expenses, look for a line of credit with a limit of $50,000 or higher.

Also assess your business’s priorities. Do you need that $50,000 as soon as possible, or would you prefer to take your time if it could get you a better deal? Online lenders can get you funding fast, while banks tend to offer less expensive loans.

After you compare providers, get a quote from your top choices. This allows you to compare personalized rates and terms before deciding.

How to get a $50,000 startup loan

You can get a $50,000 startup loan from a microlender, community bank and some online providers. But your business will need to be around for three to six months to qualify for a startup loan of this size from these providers.

If you need seed funding to get your business off the ground, a personal loan can also be a good choice. Some community banks also offer loans to start a business, but these are also based on your income. To qualify, you generally need to have a credit score of at least 670 and enough regular income to support payments on the loan.

Microlenders like Kiva offer seed funding to people with bad or no credit. But typically these are available in smaller amounts.

How to get a $50,000 business loan with bad credit

If you have bad credit, you can get a $50,000 business loan from online lenders, microlenders and even some community banks. Look for the lender’s credit requirements before you apply to make sure they accept your credit rating. Or if you’re applying at a community bank, ask a loan officer if they can make an exception to their credit policy based on other aspects of your business’s finances.

For certain types of loans like merchant cash advances, lenders don’t consider your credit score at all. But these can be highly expensive, with rates comparable to payday loans.

Can I get a $50,000 SBA loan?

Yes, you can get a $50,000 loan backed by the Small Business Administration, commonly known as an SBA loan. This even includes the SBA microloan program, which caps out at $50,000.

However, other programs like SBA 7(a) loans and Express loans might be a better choice if you can qualify. $50,000 loans through these programs often come with lower maximum rates and SBA loan fees.

Bottom line

Make sure your business is getting the kind of financing and support it needs by considering all your options before you apply for a $50,000 loan. Compare even more providers by reading our guide to business loans.

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