Fundera business loans
Get connected with short-term funding, SBA loans, lines of credit and more.
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If your credit score falls between 580 and 669, your business loan options are slightly more limited than those with good or excellent credit. However, these lenders offer clear terms and a wide variety of loans to help you finance the next phase of your business.
These lenders represent some of the more flexible and transparent options available to borrowers with fair credit. To compile our list, we considered the loan types available, minimum and maximum APR, repayment terms and loan amounts.
| Lender | Minimum credit score | Best for … | Finder rating | What sets it apart |
|---|---|---|---|---|
| Lendio | 520 | Comparing lenders | ★★★★★ | A large network makes it easy to find a suitable lender with competitive rates. |
| Kiva | No minimum | Microloans | ★★★★★ | No credit score requirement and 0% APR, provided you have a large social network. |
| Rapid Finance | 600 | Flexible repayments | ★★★★★ | Repayment plans are based on a percentage of future sales, not a set amount |
| Pinnacle Funding | 525 | Large loan amounts | Access to up to $5 million in funding | |
| LendingClub | Fair or better | Businesses with low annual revenue | ★★★★★ | Small businesses don’t need to meet high revenue requirements to qualify. |
| Smartbiz | 660 | Finding an SBA lender | ★★★★★ | Streamlined SBA loan process for established businesses. |
| Bluevine | 625 | Business line of credit | ★★★★★ | Same-day funding possible |
Tap compare on up to four lenders to see loan details side by side.
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How we picked theseThe Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
If you have fair credit, you may be able to qualify for a business loan from a variety of lenders.
Online lenders offer lots of flexibility for fair-credit borrowers, from standard term loans to more specialized short-term options.
Some banks accept fair-credit borrowers — especially if you already have an established credit history.
Credit unions offer business loans with competitive rates and more flexible requirements than many banks.
You can improve your chances of approval by keeping these points in mind:
Once you have a few prequalification offers, compare the APR, payment schedule and terms to choose the best choice for your business.
These alternatives won’t fault you for having fair credit. But some choices can be expensive for businesses with low revenue.
Your lender should provide information on why you weren’t approved for a loan. Revisit your application and ensure neither you nor your lender made any mistakes.
If everything is correct, review the reason the lender rejected you. Even if you meet a lender’s minimum credit requirements, your business’s revenue and financial history may not meet the lender’s standards.
Rework your application and business plan to suit the feedback you received. If the problem is with your revenue, sales or other metrics, consider alternative sources of financing. Short-term business loans, personal loans or business credit cards may be easier to qualify for.
Fair credit won’t stop you from qualifying with a variety of business lenders. But you should still explore the full range of options to ensure you’re making the right financial move for your business.
Fundible offers flexible, fast small business funding with tailored options for a range of credit profiles.
Fundbox offers fast business lines of credit up to $250,000 with flexible repayment terms.
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