Best Business Loans for Good Credit in 2026

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.

6 best business loans for good credit

• Best for online business loans: Fundera business loans
• Best for comparing options: Lendio business loans
• Best for short-term financing: Rapid Finance small business loans
• Best for SBA loans: Huntington National Bank SBA loans
• Best for a low-fee line of credit: Bluevine business lines of credit
• Best for a bank loan: Wells Fargo business loans

Finder Score	Loan amount	Loan term	APR
Best for online business loans
Finder score 9.5 Excellent Fundera business loans	Finder score 9.5 Excellent	$2,500 – $5,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Fundera by NerdWallet is a business loan marketplace that connects small business owners with multiple lenders through a single application. The platform offers access to term loans, SBA loans, lines of credit, equipment financing and more, with loan amounts ranging from $2,500 to $5 million. With a quick online application using only a soft credit check, Fundera has helped over 77,000 small businesses secure more than $5.4 billion in funding. The platform provides dedicated loan specialists for personalized guidance, and funding can be as fast as one business day. Pros & cons Pros Free service Single application connects you with multiple lenders Soft credit check won't impact credit score Fast funding possible within 24 hours Cons Rates and fees aren't disclosed upfront Not a direct lender, terms set by partners Limited network compared to larger marketplaces
Best for comparing options
Finder score 9.6 Excellent Lendio business loans	Finder score 9.6 Excellent	$1,000 – $10,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Lendio is a business loans marketplace, with multiple options for good-credit borrowers, including term loans, lines of credit, equipment financing and more. With a single application, you can get exposure to more than 75 lenders and some of the most competitive rates in the market. But some loan options are expensive, and marketplaces can open you up to a lot of loan solicitation Pros & cons Pros Wide variety of loan options Competitive rates for good-credit borrowers Fast funding possible Cons Some loan options are expensive May attract excessive loan solicitations
Best for short-term financing
Finder score 7.5 Great Rapid Finance small business loans	Finder score 7.5 Great	$5,000 – $1,000,000	Varies by loan type	Not stated	Go to site View details Compare product selection Compare	loading	Why we like it Rapid Finance offers a range of short-term financing solutions, including merchant cash advances, business lines of credit and invoice factoring. And, while some of these options don't hinge on having good credit, it can certainly help you qualify for more competitive rates — especially for a line of credit. But not every type of funding is suitable for all businesses, it doesn't disclose rates and fees and some options may require weekly or even daily repayments. Pros & cons Pros Multiple short-term solutions Lower rates for good to excellent credit Fast funding possible Cons Doesn't disclose rates and fees May require daily repayments Some short-term options are more expensive
Best for SBA loans
Finder score Not scored yet Huntington National Bank SBA loans	Finder score Not scored yet	$5,000 – $5,000,000	Up to 10 years	Varies	View details Compare product selection Compare	loading	Why we like it Huntington Bank is an SBA preferred lender, meaning the application is fully in-house, and it can get you funded faster than a non-preferred lender. It offers SBA 7(a), 504 and Express loans, with amounts reaching as high as $5 million and competitive rates, particularly if your credit is good to excellent. But it doesn't give many details about eligibility, revenue and credit requirements. And, despite its preferred lender status, SBA loans can still take weeks to process. If you need fast funding, you may want to explore other options. Pros & cons Pros Competitive rates Wide range of loan amounts Multiple loan options Cons Slower funding than most options May require a down payment or collateral Must also meet SBA loan requirements
Best for a low-fee line of credit
Finder score 8.6 Great Bluevine business lines of credit	Finder score 8.6 Great	$5,000 – $250,000	Not listed	Not listed	View details Compare product selection Compare	loading	Why we like it Bluevine offers business lines of credit (LOC) up to $250,000. And, unlike much of the competition, it doesn't charge set-up, maintenance, prepayment or account closure fees. It also offers competitive rates for good-credit borrowers, starting as low as 7.8%. But loan terms are shorter than some options — a maximum of 12 months — and you may be required to make weekly repayments. Pros & cons Pros Rates start at 7.8% Fewer fees than other LOCs Fast funding possible Cons Shorter loan terms than some competitors May require weekly repayments Rates could be high for lower credit scores
Best for a bank loan
Finder score 8 Great Wells Fargo business loans	Finder score 8 Great	$5,000 – $100,000	12 to 60 months	Prime + 0.50% to Prime + 9.75%	View details Compare product selection Compare	loading	Why we like it Wells Fargo caters to borrowers with good to excellent credit and offers business LOCs and SBA loans up to $15 million. It has competitive rates starting at the prime rate + 0.50%, and it offers both secured and unsecured options. But loans require either a personal guarantee or collateral, you need at least a 680 credit score to qualify — or higher, to qualify for the best rates — and rates can reach as high as 16.75%. Pros & cons Pros Offers lines of credit and SBA loans Low starting rates Financing up to $15 million Cons Requires a personal guarantee or collateral Rates up to 16.75% Need 680 credit score or higher

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Methodology: How we choose the best good-credit business lenders

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:

• Time-in-business requirements
• Annual revenue requirements
• APRs
• Fees, such as origination fees
• Loan amounts
• Repayment terms
• Credit score requirements
• Turnaround time
• State availability
• Application process
• Lender reputation and customer reviews

What to compare between good-credit lenders

Once you’ve found the type of business loan you need, compare these factors to find the lender that offers the best terms.

• Rates. Rates vary widely depending on the lender and loan type. For example, banks often have the most competitive rates, but online lenders can also have some great deals when your credit is good.
• Fees. When your credit is good, you may be able to avoid some fees, such as origination fees, but it’s always a smart move to make sure you’re aware of any fees associated with the financing.
• Turnaround time. How soon do you need access to capital? If you’re not in a hurry, SBA loans can have very competitive rates, but if you need faster funding, you’ll probably want to consider other options.
• Loan terms. Business loans for good credit have terms that range from months to years, which also affects the size of your repayments. Consider how much time you’ll need to repay the loan so the payments fit into your budget.
• Lender requirements. Research the minimum requirements for lenders to see if you qualify before applying. Most have specific, credit, revenue and time-in-business requirements you’ll need to meet.

What is a good-credit business loan?

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.

Pros and cons of good-credit business loans

Compare other good-credit business loans

Consider these lenders that may have options for good-credit borrowers.

7 of 7 results

Updated regularly

Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted Finder score 9.9 Excellent Pinnacle Funding	Finder score 9.9 Excellent	$10,000	$5,000,000	Varies by loan type	525 credit score, 6+months in business, $180,000+ annual revenue	Apply in minutes with funding as fast as 24 hours and zero impact to your credit score.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.5 Excellent Fundera business loans	Finder score 9.5 Excellent	$2,500	$5,000,000	Varies by lender	$60,000+ of annual revenue, 600+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.5 Excellent Lendzi	Finder score 9.5 Excellent	$5,000	$20,000,000	Varies by lender	Minimum credit score of 500, minimum annual revenue of $120,000, preferably one to two years in business	Compare lending options and get funded fast.	Go to siteView details Compare product selection Compare	loading
Finder score 8.8 Great PayPal LoanBuilder	Finder score 8.8 Great	$5,000	$300,000	Fixed fee (amount not disclosed)	Minimum credit score not disclosed, 9+ months in business, at least $33,300 in annual revenue	Go to siteView details Compare product selection Compare	loading
Finder score 9.6 Excellent Lendio business loans	Finder score 9.6 Excellent	$1,000	$10,000,000	Varies by lender	Operate business in US for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteView details Compare product selection Compare	loading
Finder score 8.9 Great Best Money	Finder score 8.9 Great	$5,000	$5,000,000	Varies by lender	Depends on the lender	Apply in minutes. Get funded fast.	Go to siteView details Compare product selection Compare	loading
Finder score 9.6 Excellent Advance Funds Network	Finder score 9.6 Excellent	$10,000	$5,000,000	Varies by lender	6 months in business, at least $10,000 in monthly revenue	A range of funding options for your business	Go to siteView details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The 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.

Read the full breakdown

Types of business loans for good to excellent credit

Here’s a breakdown of the most common types of business loans, how much you can typically borrow and what they’re best for.

How to qualify for a good-credit business loan

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.

• Credit score. Borrowers with credit scores of 700 or higher are most likely to qualify for the lowest rates.
• Revenue. Revenue requirements vary depending on the lender, the type of loan and how much you want to borrow, but a good rule of thumb is $10,000 or more in monthly revenue.
• Time in business. Some lenders may only require six months in business, but you’ll likely qualify for better rates if you’ve been in business for two years or more.

How to apply for a good-credit business loan

Follow these steps to apply:

1. Define your priorities. Ask yourself questions to figure out what’s most important to you. For example, are low rates more important than speed? Knowing what you want from a lender is key to narrowing down your choices.
2. Check your budget. Decide what you can afford by calculating your loan payments to make sure you can comfortably afford the financing.
3. Compare types of lenders. Start your search by comparing different types of business financing and lenders to see which offer the type of financing you need — and which might accept your business.
4. Compare actual lenders. Rule out any lenders that don’t offer the rates, terms and loan amounts you’re looking for or any provider you definitely can’t qualify with.
5. Prequalify. Reach out to your top choices to get an estimate of the types of rates you might receive. With some lenders, you can prequalify by filling out an online form. Others might require a phone call.
6. Apply. Fill out the loan application, submit your documents and wait for a decision. If approved, be sure to review your contract before signing.

To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.

Written by

Lacey Stark

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio