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Celeri Network business loans review

This service offers low starting rates with potentially high monthly payments.

  • Best for newer businesses that need help finding a lender.
  • Pick something else if your business can qualify for a loan directly from a bank or credit union.
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Min. Amount$5,000
Max. Amount$5,000,000
Loan Term3 to 36 months. However, for SBA products the loan term could be as long as 10 years.
Min. Credit Score500
APR3.33% to 29.99%
Requirements6+ months in business, $10,000+ monthly revenue, 500+ credit score
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How much will this loan cost me?

Celeri Network's lenders offer rates starting at 3.33% for the most qualified businesses. However, rates may go as high as 29.99% — which may mean your business pays a significant amount in interest. Loan amounts range from $5,000 to $5 million, and there are no origination or prepayment fees.

Non-SBA loan terms are relatively short, ranging from three to 36 months. This means that your business will need to be able to handle high monthly repayments, especially if you need to borrow a larger loan amount. However, SBA loan products could have loan repayment terms extending out 10 years.

If you receive an offer, use the calculator below to see how much your business will need to pay each month.

Business loan calculator

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How it works

Celeri Network is not a lender. Instead, it connects you with one or more lenders that might suit your business's financing needs.

To qualify for low rates, you need to have a personal credit score of at least 680. The closer you are to excellent credit — 720 or higher — the higher your chances of being approved for the lowest APR. Business owners with credit scores under 680 may still qualify, but Celeri Network recommends applying with a cosigner to help improve your chances of being approved for a loan.

What do I need to qualify?

While Celeri Network recommends a personal credit score above 680, you and your business only need to meet these requirements to be eligible for financing:

  • Monthly revenue of at least $10,000
  • Credit score of 500 or higher
  • At least six months in business

What information do I need to sign up?

You only need a few pieces of information to get matched with a lender. But to apply with one of the lenders, you'll need to gather the following documents:

  • Three most recent bank statements
  • Government-issued photo ID
  • Employee identification number (EIN)
  • Voided check from active business checking account
  • Business incorporation documents
  • Personal guarantee from all owners with a 20% stake or higher

What industries does Celeri Network work with?

Celeri Network doesn't limit which industries are allowed to sign up with it. Since it's a connection service, it works with numerous lenders and won't rule your business out by industry alone.

What other types of financing does Celeri Network offer?

Outside of business term loans, Celeri Network can connect borrowers with a number of products.

  • Lines of credit
  • Invoice factoring
  • Merchant cash advances
  • Equipment financing
  • Student loans

Pros and cons

Overall, Celeri Network is a legit connection service with more benefits than drawbacks.


  • Large loan amounts up to $5 million
  • Quick turnaround that starts at one business day
  • Low personal credit scores accepted
  • May lend to newer startups


  • No reviews on Trustpilot or the Better Business Bureau (BBB)
  • Short loan terms under 36 months
  • Potentially high APR of 29.99%

See other top business loan options

Select your desired loan amount, revenue, time in business and personal credit score on the table below to compare direct lenders without submitting your information.

Name Product Filter Values Loan amount APR Requirements

Fora Financial business loans
Finder Rating: 4.1 / 5: ★★★★★

Fora Financial business loans
$5,000 – $500,000
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

National Funding business loans
Finder Rating: 4.75 / 5: ★★★★★

National Funding business loans
$5,000 – $500,000
4% to 8%
Be in business at least one year and make at least $150,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Bitty Advance business cash advances
Finder Rating: 2.8 / 5: ★★★★★

Bitty Advance business cash advances
$2,000 – $25,000
Not applicable
$5,000 monthly bank revenue, 6+ months in business, business bank account open 3+ months, 450+ credit score
With APRs in the triple digits, this is best saved as a last resort.

Compare up to 4 providers

Is Celeri Network legit?

Yes, Celeri Network is a legit lender. It has a secure website and a standard privacy policy that outlines how your information is collected and used.

Personal and business information will be sent to lenders as part of the connection process. But Celeri Network states that it won't sell or rent any of your information to third parties — a step above some other connection services out there.

Celeri Network reviews and complaints

BBB accredited No
BBB rating N/A
Customer reviews verified as of 12 October 2020

As of July 2020, Celeri Network has not received any reviews on Trustpilot and doesn't have a BBB page. While this isn't uncommon for a connection service, it does make it difficult to know how well it matches lenders and borrowers — and the type of marketing materials you may receive after you submit your information.

How do I get started?

To be connected with a lender through Celeri Network, follow these steps:

  1. Click the Go to site button to be redirected to Celeri Network's website.
  2. Click Apply now and create an account by selecting your preferred loan amount and entering information about yourself and your business.
  3. Select your industry, then enter your monthly revenue, business address, legal structure and business tax ID.
  4. Enter your job title, ownership percentage, date of birth, home address and Social Security number.

What happens after I'm connected with a lender?

If you're preapproved for a loan, a representative from Celeri Network will reach out to discuss the next steps of the application. You can upload copies of your three most recent bank statements to speed up the review process.

You may need to submit information about your business, like a business plan and proof of income, to your lender to finalize your application. The process usually takes less than two business days, and you could receive funding directly to your business bank account upon approval.

If you aren't connected with a lender or aren't approved for a loan, Celeri Network recommends improving your business's application and reapplying after 90 days.

How do repayments work with Celeri Network?

Because Celeri Network isn't a direct lender, you don't make repayments to it. Your loan agreement will outline where to send payments and your repayment options.

Keep in mind that the lenders Celeri Network works with don't charge prepayment penalties, so you may be able to save on interest by repaying your loan before the end of your loan term.

Celeri Network is a good way for newer businesses to find a lender. But before you get started, read our guide to business loans to ensure you're making the right financing choice for your business.

Frequently asked questions


Review by

Kellye Guinan is a seasoned financial writer with over 500 articles under her belt spanning all things loans from auto to personal to business and everything in between. With four years in the field and five years of research experience, she's able to make complex personal finance decisions easier for anyone to tackle. When she's not up to her knees learning about the latest trends in lending, she spends her time improving her own financial literacy and expertise — and maintaining a Duolingo streak of over 1,300 days.

Expert review

The lenders that work with Celeri Network have competitive rates starting at 3.33%. Its lenders accept businesses as young as six months, and you can potentially still qualify with a personal credit score of 500 — although you may need a cosigner.

But expect high monthly payments. Because its lenders only offer loan terms of three months to three years, your business may end up footing an expensive monthly bill — especially if you end up with an APR on the higher side.

To see how Celeri Network stacks up, view more business loans and compare your options.

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