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Noble Funding business loans review

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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


Max. Amount


Product NameNoble Funding BankLite long-term business loans
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

Expert review

Anna Serio

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 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.

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

Data indicated here is updated regularly

Name Product Filter Values Loan amount APR Requirements
First Down Funding business loans
$5,000 – $300,000
Fee Based
At least 1 year in business, an annual revenue of $100,000+, and a minimum credit score of 400
Alternative financing up to $300K with highly competitive rates.
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
$10,000 – $5,000,000
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.
OnDeck small business loans
$5,000 – $250,000
As low as 9.99%
600+ personal credit score, 1 year in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Rapid Finance small business loans
$5,000 – $1,000,000
Fee based
Steady flow of credit card sales, bad credit OK

Compare up to 4 providers

What do borrowers say about Noble Funding

BBB accredited No
BBB rating A+
Trustpilot Score 4.9 out of 5 stars, based on 151 customer reviews
Customer reviews verified as of 18 November 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.

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