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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

Best for SBA loans

SmartBiz business loans

Finder rating 4.5 / 5

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on SmartBiz's secure site

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.

Best for bank loans

PNC Bank business loans

Finder rating 2.53 / 5

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.

Best for businesses in the startup phase

LendingClub business loans

Finder rating 4.5 / 5

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.

Best for short-term financing

Rapid Finance small business loans

Finder rating 3.74 / 5

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.

Best for comparing multiple offers

Lendio business loans

Finder rating 4.75 / 5

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on Lendio's secure site

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.

Summary of best business loans for good credit

LenderMinimum credit scoreBest for … Finder RatingWhat sets it apart
SmartBiz640SBA 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

Biz2Credit business loans
Finder Rating: 3.75 / 5: ★★★★★

Biz2Credit business loans
$25,000 – $250,000
Starting from 8.99%
6+ months in business; $150,000+ monthly revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

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
A leading online business lender offering flexible financing at competitive fixed rates.

Fora Financial business loans
Finder Rating: 4.1 / 5: ★★★★★

Fora Financial business loans
$5,000 – $500,000
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.

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.

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
A connection service for all types of businesses — even startups.

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.

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