Fundera business loans
Get connected with short-term funding, SBA loans, lines of credit and more.
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Bluevine is an online lender that offers lines of credit, SBA 7(a) loans through a partnership with Fundera and business term loans through its lending partners. It can fund your credit line within 24 hours after approval, has options for businesses with credit scores as low as 625 and requires at least one year in business to qualify. Unlike some providers, there are no origination, draw or maintenance fees on its credit lines.
But Bluevine might not be the best fit for you. Some of Bluevine’s competitors offer faster, less expensive or more flexible options. Sole proprietors and partnerships may particularly want to consider these alternatives, since businesses with those structures have limited options at Bluevine.
9.5 Excellent
Lendzi is a convenient option for business owners looking to streamline the loan search process. As a loan marketplace with over 60 lending partners, Lendzi helps connect you with lenders offering financing from $5,000 to $20 million. With a quick online application, you can explore loan options tailored to factors like your credit history, business revenue and overall financial profile.
Lendzi works with borrowers across all credit scores and has earned strong reviews on platforms like Trustpilot and the Better Business Bureau (BBB), pointing to excellent customer service. Just keep in mind that working with multiple lenders may result in follow-up marketing calls and emails, even after securing a loan.
| Loan amount | $5,000 – $20,000,000 |
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| APR | Varies by lender |
| Min. Credit Score | 500 |
| Loan amount | $5,000 – $20,000,000 |
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| APR | Varies by lender |
| Min. Credit Score | 500 |
7.5 Great
Rapid Finance offers SBA loans designed to provide small businesses with long-term, flexible financing options. These loans are partially guaranteed by the government, which allows for lower interest rates and extended repayment terms. You can use them for various purposes, including business expansion, equipment purchases and working capital needs. SBA loans typically take longer to fund than other options, but Rapid Finance helps streamline the process so you might get your funds faster than with a bank.
| Loan amount: | $5,000 to $10 million |
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| APR: | Not specified |
| Loan term: | 1 to 30 years |
| Loan amount: | $5,000 to $10 million |
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| APR: | Not specified |
| Loan term: | 1 to 30 years |
9 Excellent
While Bluevine started as an invoice factoring provider, it sold its factoring business to FundThrough in early 2022. This new-and-improved version offers higher advances than previously available through — up to 100%, minus fees.
Unlike most factoring companies, FundThrough integrates with QuickBooks Online and OpenInvoice to automate the application process — with no paperwork required. The automated process means it can send you the funds as soon as the next business day. It also doesn't require you to sign a contract committing to months of financing or factoring services.
| Loan Amount | Up to $10 million |
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| Fee for Terms | 2.2% to 3% per 30 days |
| Loan Amount | Up to $10 million |
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| Fee for Terms | 2.2% to 3% per 30 days |
8 Great
The American Express Business Line of Credit offers a very similar line of credit to Bluevine. It offers a quick, no-doc application for a low-fee line of credit. There are no prepayment penalties, application fees or origination fees.
However, instead of interest, the American Express Business Line of Credit charges a flat monthly fee based on your loan term. A 6-month line of credit ranges from 3% to 9%, 12-month terms are 6% to 18%, 18-month terms range from 9% to 27% and 24-month lines of credit can range from 12% to 18%.
It offers slightly lower credit limits compared to Bluevine's $5,000 minimum. And like Bluevine, it only requires one year in business, making it an attainable option for newer businesses. But it requires a higher credit score than Bluevine, of at least 660.
| Loan amount | $2,000 to $250,000 |
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| APR | Fee based |
| Min. Credit Score | 660 |
| Loan amount | $2,000 to $250,000 |
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| APR | Fee based |
| Min. Credit Score | 660 |
9.4 Excellent
OnDeck is an online lender offering business term loans and lines of credit. Unlike Bluevine, OnDeck can fund your loan within a matter of minutes. Instant funding is available for $1,000 to $10,000 transactions at no extra cost. For other draws, funding time is one to three business days.
While that speed is impressive, rates start at a high , making it potentially more costly than Bluevine. OnDeck also states that the average rate for lines of credit is 57.1% APR. With rates that high, you should only consider OnDeck if you're in a tough spot and have exhausted all other options.
| Loan amount | $6,000 to $200,000 |
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| APR | 35.9% |
| Min. Credit Score | 625 |
| Loan amount | $6,000 to $200,000 |
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| APR | 35.9% |
| Min. Credit Score | 625 |
9.8 Excellent
Fundible is an online lender that offers several financing options for small and mid-sized businesses. Its business term loans are built for speed and flexibility, whether you need funds for expansion, equipment or just to smooth out your cash flow. One thing that sets Fundible apart is how accessible it is — businesses with credit scores as low as 500 and just six months under their belt may still qualify. The application is quick and straightforward, with the chance to get approved and funded as soon as the same day.
| Loan amount | $1,000 – $6,000,000 |
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| APR | Starting at 0.75% per month |
| Min. Credit Score | 500 |
| Loan amount | $1,000 – $6,000,000 |
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| APR | Starting at 0.75% per month |
| Min. Credit Score | 500 |
Bluevine has grown beyond just lines of credit and is working toward becoming a full-fledged fintech platform. It now offers business checking accounts, insurance products and even a business credit card. Plus, it provides access to SBA 7(a) loans through a partnership with Fundera and business term loans through other lending partners.
Like many online lenders, Bluevine keeps the application process simple with low documentation requirements. Its line of credit still stands out for fair credit accessibility — with a minimum score of 625 — and a high credit limit of up to $250,000. However, it’s become slightly less accessible to newer businesses, now requiring at least one year in operation instead of six months.
While Bluevine no longer offers invoice factoring directly, those services are now handled by FundThrough.
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Get connected with short-term funding, SBA loans, lines of credit and more.
Business loans that don’t require a personal guarantee, including options for comparing multiple lenders and specific loan types.
Compare $50,000 no-doc business loans for an expedited lending process.
Compare different lenders to secure a $400,000 business loan with favorable terms.
Buy real estate, another business or expand your enterprise.
You’ll have an easier time qualifying if you have strong credit and high revenue.
Find financing to grow your business — or even buy another.
Stay away from big banks for a loan of this size.