Quicken Business Loan Alternatives in 2026

You might assume one of the pioneers of online lending offers business loans, but it doesn’t. In fact, Quicken Loans officially changed its name to Rocket Mortgage in July of 2021 to align more closely with its parent firm, Rocket Companies, and it’s never offered business loans.

The Quicken Loans name is still around, but it’s now an online marketplace, not a direct lender, and it also doesn’t offer business loans. Luckily, there are many alternatives.

7 alternatives to Quicken business loans

There’s no one right type of financing for all businesses — it varies based on your company’s specific needs and goals and the kind of business you’re in. Here are seven providers that may be able to help.

• Best for online business loans: Fundera business loans
• For comparing lenders: Lendio business loans
• For invoice factoring: FundThrough Invoice Factoring and Financing
• For a bank line of credit: American Express® Business Line of Credit
• For fast, short-term funding: LoanBuilder business loans
• For working capital: Credibly business financing
• For traditional business loans: OnDeck short-term loans

Finder Score	Loan amount	Loan term	APR
Best for online business loans
9.5 Excellent Fundera business loans	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
For comparing lenders
9.6 Excellent Lendio business loans	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 loan marketplace that allows you to compare 11 loan types from 75+ lenders, including term loans, cash advances, lines of credit, equipment loans and more. It offers funding up to $5 million, and some loans can be funded within a day or two. Just fill out a single online form to view multiple options. Some lenders may even work with credit scores as low as 520, depending on the loan type. However, you may be required to submit more documentation than other online lenders, and marketplaces can lead to a large volume of marketing calls and emails. Pros & cons Pros Wide range of lenders and loan types Funding up to $5 million+ Accepts poor credit Cons Not a direct lender Rates and fees vary by lender May result in excessive solicitation
For invoice factoring
9 Excellent FundThrough Invoice Factoring and Financing	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 If your firm invoices business-to-business (B2B) or government agencies, no-doc invoice factoring from FundThrough could be a fast financing option. There is no minimum credit score or time-in-business requirements, and you could see funding as soon as the next business day. But it can be an expensive form of funding, and it's not suitable for many businesses. Pros & cons Pros Funding as soon as next business day No credit score or time in business requirements Advances up to 100% of invoices Cons An expensive form of funding Cost increases the longer your customer takes to pay Must have at least $100,000 in invoices to qualify
For a bank line of credit
8 Great American Express® Business Line of Credit	8 Great	$2,000 – $250,000	3-9% 6-months 6-18% 12-months 9-27% 18-months 12-18% 24-months	N/A	View details Compare product selection Compare	loading	Why we like it Newer businesses or those with lower revenues may want to consider an American Express Line of Credit because it only requires an average monthly revenue of at least $3,000 and one year in business. It also offers a straightforward application process, competitive fees and flexible loan terms. But you'll need a decent credit score to qualify — 660 or more. It also requires a personal guarantee and charges monthly fees that vary depending on the loan term. Pros & cons Pros Low revenue requirements Flexible repayment terms Credit lines ranging from $2,000 to $250,000 Cons Requires 660+ credit score Charges monthly fees Requires a personal guarantee
For fast, short-term funding
8.5 Great LoanBuilder business loans	8.5 Great	$5,000 – $150,000	17 to 52 weeks	2.9% to 18.72%	View details Compare product selection Compare	loading	Why we like it This online provider specializes in short-term loans for midsize businesses that need money quickly. Business owners can apply online and get funds as soon as the next business day. While its time-in-business and revenue requirements are fairly low, it doesn't specify a minimum credit score to qualify. LoanBuilder business loans require a personal guarantee and weekly repayments. Pros & cons Pros Loans up to $150,000 for repeat borrowers Low annual revenue requirements No processing, early repayment or late fees Cons Max 52-week loan term Need a personal guarantee Weekly payments required
For working capital
7.6 Great Credibly business financing	7.6 Great	$5,000 – $600,000	Not listed	Not listed (factor rates as low as 1.11)	View details Compare product selection Compare	loading	Why we like it This unsecured business loan provider specializes in cash flow financing for newer businesses, including working capital loans from $25,000 to $600,000. Instead of interest, it charges a fixed fee that requires daily or weekly repayments. While it can be expensive, it has relatively minimal requirements compared to traditional business loan providers and offers funding as soon as the same day you apply. Looking to fund a larger project? Credibly also offers long-term business loans up to $10 million with more selective requirements to qualify. Pros & cons Pros Same-day funding possible Only requires 6 months in business Low credit score requirement Cons More expensive than some business loans Lowest rates require good credit Daily or weekly payments required
For traditional business loans
9.2 Excellent OnDeck short-term loans	9.2 Excellent	$5,000 – $400,000	12, 18, or 24 months	Not listed	View details Compare product selection Compare	loading	Why we like it This top online lender offers traditional term loans and lines of credit to small businesses that need funds to expand or cover daily expenses. OnDeck's term loans could be a good choice if you're looking for a lender to build a relationship with, as repeat borrowers can qualify for lower fees and extra services. But it may charge an origination fee of up to 4%. Plus, you might need to make daily or weekly repayments, which could be an issue if your business is struggling with cash flow. Pros & cons Pros Same-day funding possible Reduced fees for repeat borrowers Term loans and LOCs Cons Potentially high rates Requires minimum 625 credit score Not available for all industries

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Does Quicken offer similar loans?

As mentioned, Quicken Loans — now Rocket Mortgage — doesn’t offer business loans. But you may want to consider funding business expenses with a personal loan from Rocket Loans.

You can borrow up to $45,000 at rates running from 9.116% to 29.99%. However, rates and terms depend on your personal finances, so it might not be the best choice if you have weak credit. And if you’re looking for funds to start a business, you might want to apply before you quit your day job — you’ll need to show proof of income to qualify.

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7 of 7 results

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Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted 9.9 Excellent Pinnacle Funding	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 9.6 Excellent Lendio business loans	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
Promoted 9.5 Excellent Lendzi	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
9.5 Excellent Fundera business loans	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
8.8 Great PayPal LoanBuilder	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
8.8 Great Fora Financial business loans	8.8 Great	$5,000	$1,500,000	Factor rate of 1.05-1.5	6+ months in business, $240K+ annual revenue, 570 minimum credit score	Get approval decision for funding in minutes for up to $1,500,000 without affecting your credit score. Best for companies seeking large business loans.	Go to siteView details Compare product selection Compare	loading
8.9 Great Best Money	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

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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

Bottom line

While neither Quicken Loans nor Rocket Mortgage offers business loans, many other business lenders out there provide the kinds of services Quicken helped establish, such as easy-to-follow online applications and fast turnaround.

Frequently asked questions

Why doesn’t Quicken Loans offer small business loans?

It’s unclear why Quicken Loans — now Rocket Mortgage — has never entered the business loans space. Currently, its main focus is mortgages.

One reason could be that business loans come with a higher risk for the lender. They typically have higher loan amounts, and there’s always the chance your business won’t make enough to repay it. Another reason could be that mortgages and business loans are simply too different, and Quicken/Rocket opted to excel in its chosen niche.

What’s the fastest online business loan?

Many online providers offer fast funding in as little as 24 hours after approval. However, how long it takes to get approved depends on your specific application.

How long has Quicken Loans been in business?

Quicken Loans was first founded in 1985 under the name Rock Financial. Over the past 40 years, it’s paved the way for online providers in the home loans space — earning 22 total J.D. Power awards, more than any other mortgage lender in history.

Does Quicken Loans offer personal loans?

No, Quicken Loans was a mortgage provider, so it only offered home loans. However, Rocket Loans, a subsidiary of Rocket Companies, provides personal loans.

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