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Compare sites like SmartBiz Loans

Looking to grow your business? You could qualify for up to $500,000 with a low interest rate, longer term SBA loan.


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


  • 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?


  • American Express® Business Line of Credit
  • OnDeck
  • LendingClub Business Loans

American Express® Business Line of Credit

4.4 / 5 ★★★★★

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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.
The required FICO score may be higher based on your relationship with American Express, credit history, and other factors.
All businesses are unique and are subject to review and approval.
  • 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.
  • Business must have a minimum monthly revenue of $3K
Loan amount$2,000 – $250,000
Min. Credit Score660 (The required FICO score may be higher based on your relationship with American Express, credit history, and other factors.)
Loan term6, 12, 18 and 24 months
RequirementsMinimum 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

OnDeck short-term loans

4.6 / 5 ★★★★★

OnDeck offers term loans of up to $250,000 and lines of credit of up to $100,000 with fast application processing and funding.
  • Fast application, approval and funding process.
  • Available in all 50 states.
  • Loyalty benefits for returning customers.
  • Business revenue of $100,000+ per year required.
  • Some industries not eligible for a loan.
Loan amount$5,000 – $250,000
APRAverage is 60.9%
Min. Credit Score625
Loan term3 to 24 months
RequirementsCompanies in business at least 1 year, $100,000+ in gross annual revenue, majority owner with a 625+ personal credit score, active business checking account

LendingClub business loans

4.5 / 5 ★★★★★

Offering fixed-rate loans of up to $500,000, your business can get the affordable financing it needs.
  • Prepay without penalties.
  • Fixed interest rate.
  • Quick approval.
  • Lien required for higher amounts.
  • Check fee of $7 per payment.
  • Not for new businesses.
Loan amount$5,000 – $500,000
APR12.15% to 29.97%
Min. Credit ScoreFair or better
Loan term12 to 60 months
Requirements12+ 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

Wise business loans

Qualify for a business loan of up to $2,000,000, even if you have bad personal credit.
  • Fast turnaround, with minimal paperwork required.
  • No prepayment penalty.
  • Apply with a low personal credit score, even in the 500s.
  • 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
Requirements1+ year in business, $100,000+ annual revenue, 500+ credit score

Biz2Credit business loans

4.7 / 5 ★★★★★

A secure business lender connection platform that could help you get up to $6,000,000 to finance your small business.
  • Network of legit business lenders with a wide variety of financing options.
  • Fast funding options available.
  • Not a direct lender.
  • $250 &ndash
  • $400 underwriting fee if you accept a loan their platform.
  • Typically requires good personal credit.
Loan amount$25,000 – $6,000,000
APRStarting at 6.50%
Loan term12 to 36 months
Requirements6+ months in business; $100,000+ annual revenue; 600+ credit score

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

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