Compare 5 Sites Like SmartBiz for Business Loans in 2025

Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Pros

Prequalify in minutes.
Quick turnaround for smaller loans.
Long repayment terms.
Connects you with multiple options.

Cons

Fee for prepayment.
Longer turnaround time for large loans.
Good personal credit required.
Restrictions on how funds can be used.

Looking for business lenders with more lenient eligibility criteria?

Alternative sites like SmartBiz loans

American Express® Business Line of Credit
OnDeck
LendingClub Business Loans
Wise Business Loans
Biz2Credit

American Express® Business Line of Credit

8 Great

Read review

Get access to ongoing funds for your small business with a American Express Business Line of Credit from $2,000 to $250,000.

Loan amount	$2,000 – $250,000
APR	N/A
Min. Credit Score	660

Pros

Link your business accounts for added convenience when applying.

Borrow only what you need and pay it back on your own schedule.

Three ways to withdraw funds: online, mobile app, and card.
Cons

Business must have a minimum monthly revenue of $3K

Loan amount	$2,000 – $250,000
APR	N/A
Min. Credit Score	660
Loan term	3-9% 6-months 6-18% 12-months 9-27% 18-months 12-18% 24-months
Requirements	Minimum FICO score of at least 660 at the time of application, have started your business at least a year ago, and an average monthly revenue of at least $3,000

Loan amount	$2,000 – $250,000
APR	N/A
Min. Credit Score	660

Read review

OnDeck short-term loans

9.2 Excellent

Read review

OnDeck offers term loans of up to $250,000 and lines of credit of up to $100,000 with fast application processing and funding.

Loan amount	$5,000 – $400,000
APR	Average is 56.4% to 56.6%.
Min. Credit Score	625

Pros

Fast application, approval and funding process.

Available in all 50 states.

Loyalty benefits for returning customers.
Cons

Business revenue of $100,000+ per year required.

Some industries not eligible for a loan.

Loan amount	$5,000 – $400,000
APR	Average is 56.4% to 56.6%.
Min. Credit Score	625
Loan term	3 to 24 months
Requirements	Companies in business at least 1 year, $100,000+ in gross annual revenue, majority owner with a 625+ personal credit score, active business checking account

Loan amount	$5,000 – $400,000
APR	Average is 56.4% to 56.6%.
Min. Credit Score	625

Read review

LendingClub business loans

9 Excellent

Offering fixed-rate loans of up to $500,000, your business can get the affordable financing it needs.

Loan amount	$5,000 – $250,000
APR	12.15% to 29.97%
Min. Credit Score	580

Pros

Prepay without penalties.

Fixed interest rate.

Quick approval.
Cons

Lien required for higher amounts.

Check fee of $7 per payment.

Not for new businesses.

Loan amount	$5,000 – $250,000
APR	12.15% to 29.97%
Min. Credit Score	580
Loan term	12 to 60 months
Requirements	12+ months in business, $50,000+ in annual sales, no bankruptcies or tax liens, at least 20% ownership of the business, fair personal credit score or better

Loan amount	$5,000 – $250,000
APR	12.15% to 29.97%
Min. Credit Score	580

Wise business loans

Qualify for a business loan of up to $2,000,000, even if you have bad personal credit.

Loan amount	$10,000 – $2,000,000
Min. Credit Score	500

Pros

Fast turnaround, with minimal paperwork required.

No prepayment penalty.

Apply with a low personal credit score, even in the 500s.
Cons

No pre-approval.

Daily loan repayment could eat into cash flow.

High rate of loan renewals, which could indicate inability for borrowers to repay high rates.

$100,000+ minimum annual revenue required.

Loan amount	$10,000 – $2,000,000
Min. Credit Score	500

Biz2Credit business loans

9.4 Excellent

Read review

A secure business lender connection platform that could help you get up to $6,000,000 to finance your small business.

Loan amount	$250,000 – $6,000,000
APR	Not disclosed
Min. Credit Score	650

Pros

Network of legit business lenders with a wide variety of financing options.

Fast funding options available.
Cons

Not a direct lender.

$250 – $400 underwriting fee if you accept a loan their platform.

Typically requires good personal credit.

Loan amount	$250,000 – $6,000,000
APR	Not disclosed
Min. Credit Score	650

Read review

See how other top providers compare to different lenders by checking out A-to-Z directory.

Thank you for your feedback!

Written by

Aliyyah Camp

Contributor

Aliyyah Camp is a SEO content strategist and former publisher at Finder, specializing in consumer and business lending. Her writing and analysis has been featured in CentSai, the Dough Roller and the Chicago Tribune. She holds a BA in communication from the University of Pennsylvania. See full bio

More resources on Finder

Ask a question

Click here to cancel reply.

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

How to Get an $8,000 Loan in 2026
Learn how to get an $8,000 loan, compare lenders and find the best rates.
How to Get a $3,500 Loan in 2026
Need a $3,500 loan? Compare options for good & bad credit, plus tips for approval.
How to Get a $7,000 Loan in 2026
Compare lenders that offer $7,000 personal loans and the requirements needed to qualify.
Personal Loans Between $1,000 and $2,000 for 2026
Lenders offering loans between $1K and $2K, plus eligibility requirements and what to watch for.
How to Get a $70,000 Loan in 2026
Compare $70,000 loans and what you need to qualify.
How to Get a $60,000 Personal Loan in 2026
Compare $60,000 loans and the requirements needed to qualify.
How to Get a $40,000 Personal Loan in 2026
Compare $40,000 loans and lender requirements to qualify.
How to Get a $25,000 Personal Loan in 2026
How to shop for a $25,000 personal loan and the requirements needed to qualify.
Cómo ser aprobado para recibir un préstamo de $5,000 con un historial crediticio negativo en 2026
Compara tus opciones de préstamo, incluso si tienes un historial de crédito negativo.
How to Get a $10,000 Personal Loan in 2026
You may be able to get approved for a personal loan of up to $10,000. Compare top lenders today.

Compare 5 Sites Like SmartBiz for Business Loans in 2025

Looking to grow your business? You could qualify for up to $350,000 with a low interest rate, longer term SBA loan.

Pros

Cons

Looking for business lenders with more lenient eligibility criteria?

Alternative sites like SmartBiz loans

Partner terms and conditions

Aliyyah Camp

Ask a question

More guides on Finder

Advertiser disclosure