Best Large Business Loans Over $500K (2026)

If your business needs $500,000 or more, your options go well beyond the neighborhood bank. Whether you’re expanding operations, purchasing major equipment or unlocking cash tied up in unpaid invoices, lenders built for this exist. Here’s how to find the right one.

Best large business loans over $500K

• Best marketplace: Lendio business loans
• Best for fast funding: Rapid Finance small business loans
• Best for invoice-based businesses: FundThrough Invoice Factoring and Financing
• Best for high loan limits: National Business Capital business loans
• Best for underserved businesses: Lendistry business loans
• Best for large loan amounts: Fundible
• Best for bad credit: Fora Financial business loans
• Best for online SBA access: iBusiness Funding

Finder Score	Loan amount	Loan term	APR
Best marketplace
Finder score 9.6 Excellent Lendio business loans	Finder score 9.6 Excellent	$1,000 – $10,000,000	3 months to 25 years	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Lendio earns the marketplace spot by doing something no single lender can — it shops 75+ lending partners for you through one free application. That breadth matters when you're borrowing $500,000 or more and want to compare SBA loans, term loans, equipment financing and commercial real estate options side by side. Lendio has facilitated over $15 billion in small business funding since 2011 and holds high ratings across review sites. But because Lendio isn't a direct lender, you won't know your rates until you receive offers. Also, some loan types, particularly SBA and commercial real estate, can take weeks to fund. Pros & cons Pros Access to 75+ lenders with one free application Loan amounts up to $10 million Soft credit pull during initial application Wide range of financing types, including SBA loans Funding possible as fast as the next business day Cons Not a direct lender — rates vary by partner May receive marketing communications after applying SBA and commercial loans can take weeks to fund
Best for fast funding
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 is a direct lender — not a marketplace — which means one application, one point of contact and faster decisions. It offers small business loans up to $1 million and SBA loans up to $5.5 million, plus lines of credit, merchant cash advances and bridge loans. Funding can reach your account within hours of approval for some products, and the application only requires three months of bank statements to start. That speed and simplicity is why it earns the fast-funding spot over marketplace alternatives. Rates aren't published online, so you'll need to apply or speak with a Business Advisor to see what you qualify for. Pros & cons Pros Direct lender — not a marketplace Funding possible within hours of approval SBA loans up to $5.5 million Simple online application with minimal documentation to start Multiple loan types under one roof Cons Rates not publicly disclosed No defined minimum credit score listed SBA loans carry longer processing times
Best for invoice-based businesses
Finder score 9 Excellent FundThrough Invoice Factoring and Financing	Finder score 9 Excellent	$500 – $10,000,000	1 to 3 months	1.9%–2.9% per 30 days (invoices up to $999,999); custom pricing for $1M+	Go to site View details Compare product selection Compare	loading	Why we like it FundThrough is the only entry on this list that technically isn't a loan — and that's exactly what makes it the best pick for B2B businesses with large outstanding invoices. It advances 100% of eligible invoice value (minus a flat fee starting at 2.2% per 30-day term) within 24 hours of approval, with no debt added to your balance sheet. Approval is based on your customers' creditworthiness, not yours, making it viable for businesses that struggle to qualify for traditional financing. It integrates directly with QuickBooks and OpenInvoice and has funded over $1 billion across more than 100,000 invoices to date. Pros & cons Pros No debt added to your balance sheet Approval based on customer creditworthiness — not yours Flat, transparent fee starting at 2.2% per 30-day term No minimum invoices required after first funding QuickBooks and OpenInvoice integrations Cons Only works for B2B businesses with outstanding invoices Customers are notified and redirected to pay FundThrough Fee increases for longer invoice terms Not a fit for non-invoice-based funding needs
Best for high loan limits
Finder score 8.6 Great National Business Capital business loans	Finder score 8.6 Great	$100,000 – $10,000,000	6 to 120 months	Varies by lender	View details Compare product selection Compare	loading	Why we like it National Business Capital (NBC) makes our list for high limits because its network can connect qualified borrowers to amounts over $10 million — higher than most competitors. It focuses on cash-flow-based underwriting rather than collateral-heavy approvals, which opens doors for businesses that can show strong revenue but lack hard assets to pledge. NBC has funded over $3 billion since 2007 and pairs each borrower with a dedicated Business Finance Advisor to help identify the best product across its lender network. Rates and terms vary by partner and aren't publicly disclosed — you'll need to apply to see what you qualify for. Pros & cons Pros Access to $10 million or more Cash flow-based underwriting — less reliance on collateral Dedicated Business Finance Advisors SBA and non-SBA options available Funding as fast as 24 hours for some products Cons Not a direct lender — rates vary by partner Rates not publicly disclosed Stricter requirements at very high loan amounts
Best for underserved businesses
Finder score 8.2 Great Lendistry business loans	Finder score 8.2 Great	$25,000 – $10,000,000	Up to 10 years	Starting at 8.75%	View details Compare product selection Compare	loading	Why we like it Lendistry earns the underserved businesses spot as one of the only fintech-based Community Development Financial Institutions (CDFIs) in the country — and one of the few online lenders offering loans up to $10 million. Its CDFI mission caps interest rates, keeping term loan APRs between roughly 6% and 16% for term loans, significantly lower than most online lenders. As an SBA Preferred Lender, it can also streamline SBA loan approvals compared to non-preferred lenders. The fully online application doesn't impact your credit score. It's best suited for established small businesses in underserved, rural or minority communities that are overqualified for alternative lenders but underqualified for traditional banks. Pros & cons Pros Loans up to $10 million Rate-capped CDFI mission keeps APRs lower than most online lenders SBA Preferred Lender with streamlined processing Fully online application — no credit score impact to apply Serves minority-owned and rural businesses Cons Minimum loan of $25,000 Requires 2 years in business for most products
Best for large loan amounts
Finder score 9.8 Excellent Fundible	Finder score 9.8 Excellent	$1,000 – $6,000,000	5 months to 10 years	Starting at 1% per month	View details Compare product selection Compare	loading	Why we like it Fundible stands out for combining one of the highest loan ceilings on this list ($6 million) with some of the most accessible eligibility requirements — just six months in business, a credit score as low as 500 and $8,000 in monthly revenue for working capital products. It connects borrowers with lenders offering term loans, lines of credit, equipment financing, SBA loans, bridge loans and invoice factoring, with funding available in as little as 24 hours for approved applications. Because Fundible operates as a marketplace, its partner lenders set the rates and terms of your loan. Compare offers carefully before committing. Pros & cons Pros Borrow up to $6 million Low minimum credit score of 500 for working capital loans Short time-in-business requirement (6 months) Multiple financing types available Fast funding within 24 hours for eligible applicants Cons Not a direct lender — rates and terms vary by lender Rate transparency limited until matched with a lender Origination fees may apply
Best for bad credit
Finder score 8.8 Great Fora Financial business loans	Finder score 8.8 Great	$5,000 – $1,500,000	4 to 18 months	Undisclosed	View details Compare product selection Compare	loading	Why we like it Fora Financial earns the bad credit spot because it accepts credit scores as low as 570, which is lower than nearly any other lender offering up to $1.5 million. It's a direct lender that can approve applications in as little as four hours and fund within 24 hours of acceptance. Since 2008, Fora has distributed over $4 billion to more than 55,000 businesses and holds an A+ rating with the Better Business Bureau (BBB). The tradeoffs are real: Fora uses factor rates instead of APRs (making cost comparisons harder), terms max out at 24 months and repayment is daily or weekly. Prepayment discounts are available, which is a rare perk in this lending segment. If you can't qualify elsewhere but have revenue to support it, Fora Financial is one of the most accessible large-loan options available. Pros & cons Pros Accepts credit scores as low as 570 Direct lender — faster, simpler process Up to $1.5 million Approval in as little as 4 hours; funding in 24 hours Prepayment discounts available Soft credit pull on application Cons Factor rates make true cost harder to compare Terms max out at 24 months Daily or weekly repayment can pressure cash flow Does not report to credit bureaus — won't build business credit Origination fee applies
Best for online SBA access
Finder score 8.8 Great iBusiness Funding	Finder score 8.8 Great	$25,000 – $500,000	6 months to 7 years	starting at 7.49%	View details Compare product selection Compare	loading	Why we like it iBusiness Funding (formerly Funding Circle) earns the online SBA spot because it gives qualified borrowers a faster, more accessible path to government-backed financing than traditional banks. Its SBA loan minimum credit score of is lower than the 680 to 700 most banks require, and funding through its term loan product can arrive in as little as two business days. The platform has helped lenders process over $7 billion in SBA loans and is integrated with QuickBooks Capital for a streamlined experience. For borrowers who want SBA-quality terms without a bank queue, this is the pick. Just know that the term loan tops out at $500,000, and two years in business is required. Pros & cons Pros SBA loans up to $5 million through approved lender network Faster SBA access than most traditional bank lenders SBA credit score minimum of — lower than most banks No prepayment penalty Soft credit pull on initial application QuickBooks Capital integration Cons Term loans max out at $500,000 Requires 2 years in business Rates not publicly disclosed Origination fee applies Not a direct lender for SBA products

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Methodology: How we chose these lenders

We evaluated lenders based on:

• maximum loan amounts (with priority given to those reaching $500,000 or higher)
• rate and fee transparency
• minimum eligibility requirements
• variety of financing products
• funding speed
• customer reviews from Trustpilot and the BBB
• overall lending track record

We also sought a range of lender types — direct lenders, marketplaces and specialty financing providers — to reflect the different needs a business may have when seeking large amounts.

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All responses are collected anonymously and used for internal data purposes only.

How to compare large business loans

• Loan amount maximums. Not every lender goes to $1 million, let alone $5 million or $10 million. Confirm the ceiling fits your specific needs before spending time on an application.
• Rates and total cost. APR is the most useful comparison metric, but some lenders use factor rates or flat fees. Always calculate total repayment, not just the monthly payment, to understand the true borrowing cost.
• Eligibility requirements. High loan amounts come with stricter requirements. Know your credit score, time in business and annual revenue before applying so you can target lenders you’re likely to qualify with.
• Repayment terms. Longer terms mean lower monthly payments but more total interest. Shorter terms cost more per month but reduce the overall interest burden. Match the term to your cash flow reality.
• Funding speed. SBA loans can take weeks or months. Online lenders and marketplaces can fund in days. Prioritize lenders that match your timeline.
• Direct lender vs. marketplace. Marketplaces give you multiple offers from one application — rates vary, and you won’t know what you qualify for until you apply. Direct lenders offer more predictability up front.
• Fees. Look for origination fees, prepayment penalties, administrative fees and draw fees on lines of credit. These can significantly add to the cost of a large loan.

What is a large business loan, and how does it work?

A large business loan generally means any financing of $500,000 or more. These loans fund major needs like expansion, equipment, real estate, debt consolidation or working capital for large-scale operations. Most are structured as term loans — you receive a lump sum up front and repay it in fixed installments with interest. SBA loans work the same way but carry government backing, which means lower rates and longer terms, offset by more paperwork and slower approval timelines.

At this loan size, lenders scrutinize your finances more closely than for smaller amounts. Expect to provide tax returns, financial statements and often a business plan. Marketplaces like Lendio simplify comparison shopping, while direct lenders like Rapid Finance offer a single point of contact.

Pros and cons of large business loans

What should I do before applying for a large business loan?

• Know your numbers. Pull your personal and business credit scores, calculate your annual revenue and tally existing debts.
• Clarify what you need and why. Lenders for large amounts often want to know how you’ll use the funds. Having a clear, defensible answer speeds up approval and can affect the loan type a lender offers you.
• Organize your documents. At minimum, have two to three years of business and personal tax returns, recent bank statements, a profit-and-loss statement and a balance sheet ready before you start.
• Check your business credit profile. Large loan lenders look at both personal and business credit. Pull your Dun & Bradstreet and Experian Business reports ahead of time and resolve any errors.
• Compare before you commit. Use prequalification where available to see rate estimates without a hard credit pull.

Types of large business loans

How to qualify for a large business loan

Qualifying for $500,000 or more requires more than decent credit. Lenders typically look for:

• Credit score. 680 or higher is a common threshold; 720+ improves your odds and rates.
• Time in business. At least two years for most loan types; some online lenders accept six to 12 months for strong-revenue businesses.
• Annual revenue. $250,000 to $1 million or more, depending on the lender and loan size.
• Cash flow. Positive, predictable cash flow often matters more than profit margins.
• Business plan or loan purpose. Required for SBA loans and many high six-figure amounts.
• Collateral. May be required — especially if credit or cash flow is borderline.
• Personal guarantee. Common for most large business loans, particularly unsecured options.

How to apply for a large business loan

1. Check your finances. Know your personal and business credit scores, annual revenue and outstanding debts before you start.
2. Identify the right loan type. Term loans, SBA loans and equipment financing serve very different purposes. Match the structure to your actual need.
3. Gather your documents. Expect to provide two to three years of tax returns, recent bank statements, a profit and loss (P&L) statement and a balance sheet. SBA loans and larger amounts may also require a business plan.
4. Prequalify where possible. Many lenders offer a soft-credit prequalification step so you can compare estimated terms before committing to a full application.
5. Apply and submit documentation. Complete the lender’s application and upload any required documents. Review for accuracy before submitting, as errors are a common cause of delays.
6. Review your offer carefully. Before signing, confirm the APR (or total cost for factor-rate products), repayment schedule, fees and prepayment terms.

Where to find a large business loan

• Banks and credit unions offer the most competitive rates, particularly for established businesses with strong banking relationships. Most require 700+ credit scores and $100,000+ in annual revenue.
• Online lenders and marketplaces like Lendio, National Business Capital and Fundible offer more accessible eligibility and faster processing than traditional banks — at the cost of sometimes higher rates.
• SBA-approved lenders — including banks and online platforms like Lendistry — offer SBA 7(a) and 504 loans with government-backed rates and terms competitive even at high amounts. Look for SBA Preferred Lenders to shorten approval timelines.
• Specialty finance companies like FundThrough address specific needs (invoice factoring) that traditional lenders don’t cover well — particularly useful for B2B businesses with slow-paying enterprise customers.

Alternatives to a large business loan

• Commercial real estate loan. If you’re buying, refinancing or renovating property, a commercial real estate loan can give you access to high loan amounts with long repayment terms.
• Business credit card with a high limit. A high-limit business credit card can be helpful for managing short-term expenses or working capital needs. Some cards offer rewards or 0% intro APRs — but they’re not designed for long-term borrowing.
• Equity financing. Selling a portion of your business to raise capital means you won’t have loan payments — but it means giving up some ownership and possibly control.
• Angel investors or venture capital. For startups or fast-growing businesses, bringing on investors can provide access to large amounts of funding and strategic guidance. Just be prepared to pitch and negotiate.
• Personal loan or HELOC (for small business owners). If you have strong personal credit or home equity, you might qualify for a personal loan or a home equity line of credit (HELOC) that can be used to fund your business. Just know your personal finances are on the line if you default.
• Crowdfunding. If you have a strong story or an innovative product, crowdfunding platforms can help raise funds from individual supporters. You’ll need a solid marketing plan, but you don’t have to give up equity or repay the money.

Frequently asked questions

• What is the largest small business loan you can get?

  The SBA 7(a) program caps loans at $5 million, and SBA 504 loans go up to $5.5 million. Beyond that, marketplace lenders like National Business Capital and Lendio can connect you with lenders offering $10 million or more through commercial lending channels.

• What do you need to get a $500,000 business loan?

  Most lenders want a personal credit score of 680 or higher (720+ for banks), at least two years in business and strong annual revenue — typically $250,000 to $1 million or more. Expect to provide tax returns, bank statements, financial statements and sometimes a business plan.

• How hard is it to get a $300,000 business loan?

  More attainable than $500,000+, but still requires solid credit and established revenue. Online lenders generally accept 600+ credit scores, though rates will be higher. Banks and SBA lenders offer better terms but require stronger credentials and take longer to fund.

• How do you get a $7 million business loan?

  At $7 million, you're looking at commercial lending or marketplace lenders like National Business Capital and Lendio that can connect you with lenders at that level. Expect to need a strong credit profile (700+), substantial annual revenue, detailed financial documentation, a business plan and likely collateral. SBA options cap out at $5 to $5.5 million, so amounts above that typically come from commercial banks or private lenders.

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

Written by

Christi Gorbett

Contributor

Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She’s created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more. As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade. This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi’s practical understanding of finance and intensified her interest in the field. See full bio

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Megan B. Shepherd

Editor, Loans & Insurance

Megan B. Shepherd is a personal finance expert and editor for loans and insurance at Finder. Her personal finance expertise has been featured on Forbes, Nasdaq, MediaFeed, Fox News, Time, Reviews.com, and carinsurance.com, adding invaluable information related to personal loans, financial strategies and smart borrowing tactics. Megan graduated from the University of Texas at Dallas with a BS in Business Administration with an entrepreneurial focus. She's worked as a certified financial adviser and has earned certificates of completion from A.D. Banker & Company. See full bio

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