Compare 5 Sites Like SmartBiz for Business Loans in 2025

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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

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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

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OnDeck short-term loans

9.2 Excellent

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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 – $250,000
APR	Average is 55.9% to 56.1%.
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 – $250,000
APR	Average is 55.9% to 56.1%.
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 – $250,000
APR	Average is 55.9% to 56.1%.
Min. Credit Score	625

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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	$25,000 – $6,000,000
APR	Not disclosed
Min. Credit Score	575

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	$25,000 – $6,000,000
APR	Not disclosed
Min. Credit Score	575

Read review

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

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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

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Compare 5 Sites Like SmartBiz for Business Loans in 2025

Looking to grow your business? You could qualify for up to $500,000 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

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