Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Noble Funding business loans review

APRs starting at 8.99% for merchant cash advance refinancing and more.’s rating: 3.6 / 5.0


  • Best for businesses looking to refinance an expensive merchant cash advance.
  • Pick something else if you don’t want to potentially work with a third-party lender.


Min. Amount$75,000
Max. Amount$500,000
Min. Credit Score650
APRStarting from 8.99%
Requirements650+ credit score, 18+ months in business, positive net income for at least one of past two years, no past bankruptcies, no open state or federal tax liens

First, do I qualify?

You and your business must meet the following criteria when applying for a Noble Funding business loan:

  • 650 personal credit score or higher
  • At least 18 months in business
  • Positive net income for at least one of past two years
  • No previous bankruptcies
  • No open tax liens

What makes Noble Funding business loans unique?

Noble Funding long-term business loans are one of a handful of products that are designed with merchant cash advance refinancing in mind — though you can use the funds for any legitimate purpose. With rates starting at 8.99% APR, it offers a competitive deal for an online business lender. While it doesn’t require collateral, you can choose to back your loan for a better rate.


  • Fair credit OK
  • Secured and unsecured options
  • No prepayment penalties
  • Positive customer reviews


  • No funding under $75,000
  • Not always a direct lender
  • Not as fast as other online lenders

Compare other business loan options

Name Product Filter Values Loan amount APR Requirements

Biz2Credit business loans
Finder Rating: 3.75 / 5: ★★★★★

Biz2Credit business loans
$25,000 – $6,000,000
Starting at 5.99%
6+ months in business; $100,000+ monthly 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.

OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★

OnDeck short-term loans
$5,000 – $250,000
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.

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.

ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
$10,000 – $5,000,000
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.

Compare up to 4 providers

Noble Funding reviews and complaints

BBB accredited Yes
BBB rating A+
Trustpilot Score 4.9 out of 5 stars, based on 160 customer reviews
Customer reviews verified as of 12 October 2019

How do I apply?

You can apply for a Noble Funding business loan through its website or by calling 800-916-3196.

Here’s how to get started online:

  1. Go to the Noble Funding website.
  2. Fill out the form at the top of the page with your name, contact details and information about your business.
  3. Describe what kind of loan you want and what you plan on using it for.
  4. Click Submit.

What documents do I need to apply?

Nobel Funding doesn’t disclose the documents required for its long-term loans — and it likely varies depending on the applicant. But most business loan providers ask to see recent business and personal tax returns, as well as bank and financial statements. You might also need to provide your most recent statement from your merchant cash advance provider if you’re applying for refinancing.

What happens after I apply?

After you submit your request, Noble Funding should reach out to you to go over your options and give you instructions on how to complete the application. Turnaround time on these loans is typically between two and three business days.

How do repayments work?

Noble Funding loans come with monthly payments which are based on your business’s cash flow. If your business can afford it, consider making extra repayments since this lender doesn’t charge a prepayment penalty. Reach out to customer service as soon as possible if you have any questions or concerns about your loan.

Want to know how Noble Funding compares to other lenders? Read our guide to business loans.

Business loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor

We rate business loan providers on a scale of 1 to 5 stars based on factors like transparency, costs and customer experience. We don’t take into account elements like eligibility criteria, state availability or payment frequency — we save that for our reviews.

Read the full methodology of how we rate business loan providers to get a better picture of what goes into each star rating.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Noble Funding is a highly rated online lender whose long-term business loans might be best for a business paying off an expensive merchant cash advance. While it might not make your merchant cash advance less expensive — those come with built-in fees — it could reduce the daily burden on your business.

However, its turnaround time might be longer than other online lenders. And there’s a chance you’ll be borrowing from a partner, rather than Noble Funding. But its customers speak highly of their experience on sites like Trustpilot.

Not sure Noble Funding is right for you? Compare other business loan options below.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site