Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure business loans review: Compare multiple loans in one place. is a marketplace that matches you with short- and long-term loans, merchant cash advances or lines of credit with an easy-to-fill-out form.

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Our verdict is a highly rated business loan marketplace, connecting business owners with top lenders like U.S. Bank and American Express. The site features a simplified form you can fill out in just a few minutes — with no hard credit check required.

At, you can search for a short- or long-term business loan, a merchant cash advance or line of credit with turnaround times from 24 hours to one week. There's no minimum credit score required, although your loan options may be more limited if your score is below 500 — which is the cutoff point for many bad credit business loans.

But the site doesn't offer any information about its partner network, and interest rate ranges aren't disclosed. But if you're looking for a quick and straightforward way to search multiple lenders and get support from the team, it's a good place to start your search.

Best for: Good credit borrowers looking for a quick-turnaround business loan.

  • Good customer reviews online
  • Simplified online form with no hard credit check
  • All credit types accepted
  • Partners not listed
  • Rates not disclosed
  • Funding fees not disclosed


Finder rating

Min. Amount


Max. Amount



Varies by loan type and lender


Learn more and apply on Business Loans's secure site

What makes shine

One of’s top benefits is its easy-to-navigate website and simplified intake form. Unlike other loan marketplace websites, it asks minimal information about you and your business, and you don’t need to provide a Social Security number to get matched with potential lenders.

Customers give the company overwhelmingly positive reviews, with many praising the streamlined application process and the helpful, no-pressure customer support they received from the company’s loan officers. also has informative articles about the type of loans it offers to help you understand each loan type. However, unlike competitor Lendio, it doesn’t have any specific information on how to qualify or what its loans’ APR ranges are.

Where falls short lacks important information on its website. It doesn’t list its partner network, so it’s hard to know how many lenders you’re comparing. It also doesn’t provide any information about the fees or rates its partners charge or if you’re on the hook for a funding fee.

While it’s not possible to know what rates you qualify for until you’ve prequalified with a lender, it can be useful to know what the rate ranges potentially are. For example, clearly lists the rate ranges for each type of loan it offers, which makes it easier to compare loan options and costs. loan details

Minimum credit score/credit rangeNo stated minimum
APRVaries by loan type and lender
Loan amounts$5,000 to $3,000,000
Terms3 months to 60 months
Approval turnaround24 hours to one week
AvailabilityAll 50 states
FeesNot stated
Other feesNot stated

How to qualify for is a loan marketplace, so eligibility requirements vary depending on the lender you’re matched with and the type of loan you get. In general, you need to meet the following requirements to qualify for a business loan:

  • US citizen of at least 18 years of age
  • Minimum personal credit score of 560 (some lenders may go lower)
  • Annual revenue requirements (typically $100,000 a year)
  • Social Security number of Individual Tax ID

Your best bet is to narrow down the loan type you need, then do online prequalifications with multiple lenders to determine if you’re eligible for the loan you want. This lets you know if you’ll meet the lenders’ requirements before you formally apply with a hard credit check.

How to apply

Here are the general steps to apply for a loan with

1. Determine the type of loan you need offers four loan options. Decide which type of loan best fits your needs:

  • Short-term loans. Used to cover unexpected expenses, even out cash flow or finance a short-term project. Short-term loans are usually repaid over three to 24 months.
  • Long-term loans. A lump sum loan that provides working capital for a range of needs. These longer-term loans are typically repaid over two to 10 years.
  • Merchant cash advances. A quick turnaround cash advance on future sales. Fees can run high with this option, but it can keep operations running smoothly during a slump.
  • Lines of credit (LOC). This is a revolving line of credit that can be used as a source of short-term working capital needs. LOCs can be secured or unsecured.

2. Prequalify online

Once you’re matched to a lender, see if it offers online prequalification — most do. Prequalification allows you to compare several options and view your potential rates and fees before you complete a full application and undergo a hard credit check.

3. Apply for your loan or financing

Once you’ve narrowed down the best lender for your needs, apply online and gather your documents for uploading. While every lender is different, be prepared to provide the following types of documents:

  • Bank statements
  • Business tax ID
  • Driver’s license number
  • Accounting software
  • Profit and loss statements
  • Bank account information
  • Contact information of each business owner

The exact information you need to provide depends on the lender. For a faster turnaround, plan on submitting everything at once so there are no delays.

How compares to other lenders

Compared to other lenders and marketplaces, offers a more simplified application form that only takes a few minutes to fill out. You don’t have to create an account or provide much information to get started — which is a plus if you don’t enjoy filling out forms.

But it doesn’t provide any information about its partner network, APRs and fees. It can be helpful to know this before you apply for a specific type of loan. Other business loan marketplaces, like Lendio and Fundbox, provide more information on eligibility requirements, as well as the approximate APRs for the types of loans they offer. logo


Finder rating 4.38 / 5

Go to site

Loan amount

$5,000 – $3,000,000


Varies by loan type and lender

Loan term

3 to 60 months


Must have been in business between 1–2 years, have a minimum revenue of $75,000–$250,000 and have a minimum credit score of 500–650.

National Business Capital business loans logo

National Business Capital business loans


Finder rating 4.3 / 5

Go to site

Loan amount

$100,000 – $10,000,000


Starting at 1.5%

Loan term

6 to 120 months


1+ Year in Business, $500,000 in Annual Revenue

Lendio business loans logo

Lendio business loans


Finder rating 4.75 / 5

Go to site

Loan amount

$10,000 – $2,000,000


Starting at 3%

Loan term

2 to 10 years


Operate business in US or Canada for 6 months or more, have a business bank account, 560 personal credit score, at least $8,000 in monthly revenue reviews and complaints

BBB accredited Yes
BBB rating A
BBB customer reviews 1 out of 5 stars, based on 2 customer reviews
Trustpilot Score 4.8 out of 5 stars, based on 113 customer reviews
Customer reviews verified as of 15 July 2023 gets overwhelmingly positive reviews on Trustpilot, where many customers mention the easy application process and excellent support they received from loan officers at Others mention being happy with getting same-day approval and funding on their loans.

There are only a handful of reviews on the BBB website, with a couple of customers saying they were unhappy with the number of marketing calls they received after sharing information with There are zero complaints registered against the company as of July 2023.

Is legit?

Yes, is legit. As it states on its website, it’s a marketing lead generator with an office located in Wilmington, Delaware. It is not a direct lender and doesn’t issue loans directly and clearly states that it receives compensation from companies it partners with.

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