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Compare business loans for marketing

Pick from 7+ lenders that can help you reach new customers and accelerate growth.

Small business owners can get a loan for marketing from almost any lender — from big banks to merchant cash advance providers. Narrow down your choices by annual revenue, loan amount, credit score range and time in business.
Name Product Filter Values Min. Amount Max. Amount APR Requirements
Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★
Lendio business loans
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.
OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★
OnDeck short-term loans
As low as 35%
600+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
A leading online business lender offering flexible financing at competitive fixed rates.
Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★
Biz2Credit business loans
Starting at 6.50%
6+ months in business; $100,000+ annual revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.
ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★
ROK Financial business loans
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.
Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★
Fundbox lines of credit
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.

Compare up to 4 providers

Business loan requirements

Business loan requirements vary depending on the lender you work with. But traditional lenders typically require small businesses to meet the following criteria to get funds for an advertising campaign.

  • Good personal credit score of 660 or higher
  • At least three years in business
  • Annual revenue of $100,000 or more
  • In a low-risk industry

But there are still options you can qualify for, even if your business doesn't meet these criteria. And since the start of COVID-19, lenders have been prioritizing cash flow over business owner credit scores.

For example, cash advance providers often work with bad credit business owners as long as your small business meets sales volume requirements. Online lenders will also often work with a new business that has only been around for six months to a year.

Ways to use your marketing business loan

It helps to nail down your marketing strategy before you apply for financing. Here are some common ways marketing loans can be used.

Paid digital marketing

Digital marketing often involves setting up a paid advertising campaign that targets specific customers on search engine results, websites, social media platforms and even e-commerce sites like Amazon.

Taking out a loan for paid digital marketing can be a good investment for businesses adjusting to the shift to online shopping and don't show up for popular Google searches. But it can be expensive if you end up in a bidding war with another company vying for the same advertising slot.

Sponsored content

Sponsored content, also known as native advertising, involves paying a publication to write an article or create other content that mentions your product.

Financing a sponsored content campaign allows you to reach a new audience and can be a more cost-efficient way to increase sales than digital marketing. Native advertising click-through rates can be five to ten times higher than a hard conversion rate approach, according to a 2019 study by Outbrain.

But it's nearly impossible to measure performance without the publication including a tracked link, and it can take a lot of time and money to set up a native marketing campaign.

Social media campaigns

Social media campaigns focus on reaching a new audience through Twitter, Instagram, Facebook and other platforms. You can use a business loan to buy ads, hire a team to reach customers by posting on social media through your brand's accounts or sponsor an influencer to gain access to their followers.

It's a great way to connect with your customers on a more personal level and get consistent feedback. But it can take months or even years to see the financial returns from this marketing strategy.

Email campaigns

Email marketing involves sending out newsletters and promotions to current customers and people who might be interested in your products or services. It's one of the cheapest ways to advertise — in some cases, you might only need capital to buy a client management software system.

But you'll need to be consistent, and you often need a large email list to reach a small group of people.

6 ways to finance your marketing campaign

A business loan isn't right for every marketing strategy. Here are some of the most common financing options that small businesses use for marketing and advertising.

Term loans

Term loans from a bank or online lender are great when you need funding for a one-time push. Small business loans from banks typically have lower interest rates than those from online lenders but can be difficult to qualify for if you don't have good credit or at least three to five years in business.

Lines of credit

Business lines of credit give your business access to financing as needed. They're better suited for ongoing campaigns since you won't have to go through the application process every time you need more funding. If you plan on regularly investing in marketing, look for a revolving credit line where your credit limit replenishes after you pay back the funds.

SBA loans

Small Business Administration (SBA) loans are government-backed business loans and lines of credit to help your small business qualify for low-cost financing. They're particularly helpful if you're not eligible for bank loans. SBA loans can be a great way to pay for a marketing push during your company's first few years, though the guarantee fee can make them expensive.


Mircolenders offer small-dollar capital to startups and first-time small business owners. Microloans usually don't run higher than $15,000 and often come with higher interest rates than you can typically find at a bank. But these lenders tend to offer training to help your business develop its marketing strategy and become financially stable enough to qualify for a low-cost bank loan.

Merchant cash advances

Merchant cash advances aren't technically a business loan — they're an advance on your business' future sales. This option is best for small business owners with bad credit and firms that haven't been around long enough to qualify for a traditional business loan.

Advances come with a fixed fee instead of interest, which you pay back with a percentage of your daily sales. But these fees often result in APRs as high as 300% and should be saved for emergencies — like when you need to pivot to a new customer base quickly.

Business credit cards

Business credit cards are a great way to cover small, one-off expenses like paying for a Google Analytics 360 subscription — while earning rewards for spending. But save plastic for expenses you can pay off in full each month. Credit card interest rates tend to be higher than your average loan or line of credit.

Compare more financing options by reading our guide to business loans.

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