Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Best business loans for good credit

Compare 5 lenders for different types of business needs.

A good credit score of 670 to 739 looks great on a business loan application. But it’s not the only factor that lenders consider. Your finances and time in business can sometimes be more important than the owner’s credit. This range of providers could be good choices for businesses at any stage — as long as all owners have good credit.

How we picked these best business lenders

After reviewing more than 130 business loan reviews, our team selected providers by comparing their rates, terms, loan amounts and transparency to similar lenders. Knowing there's no one best lender for all businesses, we provide options for common types of business needs, from SBA loans to short-term financing.

5 best lenders for good credit

SmartBiz business loans logo


Finder Rating: 4.5 / 5

Check eligibility

on SmartBiz business loans’s secure site

Best for SBA loans: SmartBiz business loans

Min. Credit Score
Starting APR
Max Loan Amount

SmartBiz isn’t a direct lender, but it can be a great resource for business owners navigating the typically confusing application process for these government-backed loans. It can help you find a preferred lender, which has the authority to approve your loan without sending it to the SBA approval. And it can help you with the paperwork. The downside is you’ll pay a packaging fee and broker fee for these services. And it’s not ideal for small projects — loans start at $30,000.

  • Connects you with preferred lenders
  • Shortens turnaround from months to weeks
  • Offers packaging services
  • Loans start at a high $30,000
  • Referral and packaging fee
  • Long turnaround compared to non-SBA loans
Min. Loan Amount $30,000
Max. Loan Amount $5,000,000
APR 4.75% to 7%
Interest Rate Type Variable
Min. Credit Score 650
Minimum Loan Term 120 months
Maximum Loan Term 300 months

Best for bank loans: PNC Bank business loans

Not stated
Min. Credit Score
Starting APR
Max Loan Amount

This regional bank’s staff of loan officers offers the service you might find at a community bank with the ability to easily manage your account online. It’s an SBA-preferred lender. And it doesn’t require collateral on loans under $100,000. Current customers can apply online, rather than calling in or visiting a branch. But you might want to pick up the phone anyway to discuss the best option for your business with a loan officer. It’s also not ideal for quick short-term funding. Loans start at a high $20,000.

  • No collateral on loans under $100,000
  • Online application for existing customers
  • SBA-preferred lender
  • Loans start at a high $20,000
  • No online application for new customers
  • No information about costs online
Min. Loan Amount $20,000
Max. Loan Amount $100,000
APR 8.18% to 15.57%
Interest Rate Type Variable
Minimum Loan Term 24 months
Maximum Loan Term 60 months

Best for businesses in the startup phase: LendingClub business loans

Min. Credit Score
Starting APR
Max Loan Amount

This peer-to-peer lender offers investor-funded financing to small businesses that are too new to qualify for a loan elsewhere. It only requires one year in business and annual sales of $50,000 to qualify. But rates start at a high 12.15% APR, which includes a flat 5.99% origination fee for all borrowers, regardless of credit score. You can likely find a better deal with an online lender.

  • Available to businesses that have been around for one year
  • Only requires a low $50,000 in annual sales
  • Loans start at $5,000
  • Relatively high rates of 12.15 to 29.97% APR
  • All borrowers pay 5.99% origination fee
  • Requires collateral on loans over $100,000
Min. Loan Amount $5,000
Max. Loan Amount $500,000
Interest Rate Type Fixed
Min. Credit Score 580
Minimum Loan Term 12 months
Maximum Loan Term 60 months

Best for short-term financing: Rapid Finance small business loans

Min. Credit Score
Starting APR
Max Loan Amount

Rapid FInance offers short-term loans, lines of credit and merchant cash advances. Its preferred rate loan program offers discounted rates to borrowers with credit scores over 660, making it a relatively inexpensive option if you need last-minute funding. You can get approved within hours and receive your funds as soon as the next business day. But it may require daily repayments on some products. And your business must be around for at least two years.

  • Discounted rates for good credit
  • Financing as soon as the next business day
  • Loans range from $5,000 to $1 million
  • Requires at least two years in business
  • Doesn’t disclose cost of all products on website
  • No terms over 18 months
Min. Loan Amount $5,000
Max. Loan Amount $1,000,000
APR Fee based
Fee 9% to 30%
Interest Rate Type Fixed
Min. Credit Score 500
Minimum Loan Term 3 months
Maximum Loan Term 60 months
Turnaround Time As soon as the same day
Lendio business loans logo


Finder Rating: 4.75 / 5

Check eligibility

on Lendio business loans’s secure site

Best for comparing multiple offers: Lendio business loans

Min. Credit Score
Starting APR
Max Loan Amount

With a network of over 300 partners, Lendio can be a great option when you don’t have time to do a lot of research and want to compare offers. You can compare the rates, terms and loan amounts might be available to your business by filling out a quick online form. And it also offers additional services like a cashflow management tool called Sunrise By Lendio.

  • Works with over 300 partner lenders
  • Financing as soon as the next business day
  • Offers other services like cashflow management
  • Not a direct lender
  • Users complain about lots of marketing materials
Min. Loan Amount $500
Max. Loan Amount $5,000,000
APR Starting at 6%
Interest Rate Type Variable
Min. Credit Score 560
Minimum Loan Term 12 months
Maximum Loan Term 300 months

Summary of best business loans for good credit

LenderMinimum credit scoreBest for … Finder RatingWhat sets it apart
SmartBiz650SBA loans


4.3 / 5.0

Loan packaging services and a network of SBA preferred lenders and packaging services.
PNC BankNot statedBank loans


2.53 / 5.0

Quality in-person and online services.
LendingClub580Businesses in the startup phase


4.5 / 5.0

Low time in business and revenue requirements compared to similar lenders.
Rapid Finance500Short-term financing


3.74 / 5.0

Discounted rates for owners with a credit score of 660 or higher.
Lendio560Comparing multiple offers


4.79 / 5.0

A network of over 300 partner providers.

Other business loans you can apply for today

See how other lenders compare by selecting the rangers for the amount you want to borrow, revenue, time in business and credit score range.

Name Product Filter Values Loan 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
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

National Funding business loans
Finder Rating: 4.75 / 5: ★★★★★

National Funding business loans
$5,000 – $500,000
4% to 8%
Be in business at least one year and make at least $150,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.

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
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Bitty Advance business cash advances
Finder Rating: 2.8 / 5: ★★★★★

Bitty Advance business cash advances
$2,000 – $25,000
Not applicable
$5,000 monthly bank revenue, 6+ months in business, business bank account open 3+ months, 450+ credit score
With APRs in the triple digits, this is best saved as a last resort.

Compare up to 4 providers

How to choose the best lender for your business

Follow these steps to find a lender that offers the services and financing your business needs.

  1. Decide which factors matter most. Think about what's most important to you. For example, do you need financing quickly? Or are you looking for a long-term lending relationship?
  2. Compare types of financing. If you need funding fast, you might benefit from an online loan. For a long-term lending relationship, consider a bank or credit union.
  3. Compare providers. Look at lenders that offer the type of financing you’re interested in, comparing factors like rates, terms, loan amount and requirements.
  4. Compare offers. Contact your top picks to get a ballpark idea of the loan amount, rates and terms you're eligible for. Many lenders allow you to complete a short prequalification form online.

Bottom line

There’s no one best lender for business owners with good credit. The right provider for you depends on your business’s finances, how long it has been around and your priorities as a borrower. Read our guide to business loans to learn more about how financing works.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site