Fundera business loans
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When your credit score is good — generally defined as 670 to 739 — it opens up a lot more business loan opportunities than what is available to borrowers with lower scores. And if your score is very good to excellent — 740 to 850 — you have the best chance of qualifying for the lowest rates. Of course, you’ll still need to meet the lender’s minimum revenue and time-in-business requirements as well.
The lenders we chose for our list have a wide range of loan options and competitive rates for borrowers with good credit scores.
Finder’s editorial experts review dozens of business loan providers before selecting the best lenders for borrowers with good to excellent credit. We pick lenders with a range of loan options, good customer service and competitive rates. We also review each company’s Better Business Bureau (BBB) reviews and Trustpilot ratings.
We weigh lenders and financing companies against these factors:
Once you’ve found the type of business loan you need, compare these factors to find the lender that offers the best terms.
Good-credit business loans are virtually any type of business financing that will give you the most competitive rate based largely on your personal credit score — as long as you meet the other requirements, too, of course.
While borrowers with good credit have access to some of the widest range of funding options available, gearing your search toward traditional bank term loans or lines of credit can help you find the lowest rates and fewest fees. But it’s always worth a look at online lenders as well because some may beat bank rates, especially if your credit is excellent.
Consider these lenders that may have options for good-credit borrowers.
We currently don't have that product, but here are others to consider:
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.
Here’s a breakdown of the most common types of business loans, how much you can typically borrow and what they’re best for.
| Type | Typical loan amounts | Typical term lengths | Best for |
|---|---|---|---|
| SBA Loans | $13,000 to $5 million | Up to 25 years | Established businesses with decent credit that don’t qualify for other types of funding |
| Equipment financing | Up to 100% of the cost of the equipment | 3 to 10 years | Businesses that need heavy equipment or other expensive machinery |
| Term loans | Up to $5 million | 1 to 10 years | Businesses with good credit, looking for large loan amounts and predictable monthly payments |
| Business lines of credit | $2,000 to $250,000 | 6 months to 5 years | Businesses looking for immediate short-term funding or want a renewable lending source |
| Microloans | $500 to $50,000 | Up to 6 years | Startup businesses or women- or minority-owned firms |
| Invoice factoring | 70% to 90% of unpaid invoices | 1 to 3 months | Business-to-business (B2B) companies with a lot of outstanding invoices |
| Invoice financing | 70% to 80% of unpaid invoices | 1 to 3 months | B2B companies with a lot of outstanding invoices |
| Merchant cash advance | $5,000 to $200,000 | 3 to 12 months | Retail businesses or others that have a lot of credit card sales |
Lenders usually evaluate your credit score, revenue and how long you’ve been in business. You’ll typically need to exceed the lender’s minimum criteria to get the most competitive deal.
Follow these steps to apply:
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