18 results
Revenue Share Loans
You're a great fit for this lender if your business is in the Food & Beverage, Health and Wellness, and Retail industries.
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Funding amount
$25,000 - $500,000 -
APR/Interest Rates
8% + -
Credit requirements
625+ FICO -
Application Fee
No Fee
Honeycomb connects your business to fair funding from an unexpected source; your fans, friends, and the community of Honeycomb Investors nationwide. Their team is obsessed with small businesses, and likes to move fast. They’ll get you a decision in as little as 24 hours after applying.
Honeycomb Credit works with growing small businesses in Food & Beverage, Health and Wellness, and Retail. Their community capital model provides funding that is fast, fair, and local.
For the first time ever, Honeycomb Credit provides a platform for growing small businesses to borrow money from everyday investors. By launching an offering on Honeycomb, business owners can share their future financial success with customers, fans, and their community, while getting the funds they need to keep growing.
Term Loan
You’re an established business owner who’s been in business for at least two years, with strong annual revenue, and strong personal credit & business credit.
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Funding amount
$25,000 - $500,000 -
APR/Interest Rates
7.49% + -
Credit requirements
660+ FICO -
Application Fee
No Fee
Through one simple online application, apply in minutes for multiple funding solutions, and receive a decision in as few as 24 hours to get the funding you need, when you need it. With bank-length terms up to 7 years and low monthly payments, borrow as much as $500K in as little as two days. Their dedicated Funding Specialists will walk you through your funding options and ensure you have all of the information needed to make a decision.
Applying for capital through Funding Circle is simple and can take as little as 6 minutes. Best of all, see if you qualify for multiple products at once by completing one easy, online application. Their dedicated Funding Specialists will walk you through your funding options and ensure you have all of the information needed to make a decision. If you are a business owner who’s been in business for at least two years, with strong annual revenue and strong personal credit & business credit this lender could be a fit for your business!
Funding Circle is a trusted lender that’s funded over $19.4B to small businesses across the globe. Through one simple online application, apply in minutes for multiple funding solutions, and receive a decision in as few as 24 hours to get the funding you need, when you need it.
Working Capital
You're a great fit for this lender if you've been in business for at least one year, with annual revenue of at least $50,000+, with a 570+ FICO credit score.
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Funding amount
$5,000 - $100,000 -
APR/Interest Rates
5.99% - 16.99% -
Credit requirements
570+ FICO -
Application Fee
No Fee
Accion Opportunity Fund is a non-profit financial support system that provides business owners – predominantly entrepreneurs of color, immigrants, and women - with access to capital, networks, and coaching. The AOF working capital loan is a fixed-rate term loan ranging from $5,000 - $100,000 and 12 to 60 months in length, with no prepayment penalty. AOF working capital loans can be used for purchasing equipment, inventory, hiring new staff, advertising, and much more to grow your business. When you apply, you will get an initial estimate offer that you can select. The entire application process and getting funding can take two weeks for those who are responsive and quick to upload documents. If eligible, you will be immediately presented with multiple prequalified offers. Select the offer that works best for you and submit the requested documentation.
Support staff is available to help in Spanish and English 7 days a week, 8 am - 8 pm, to guide you through the full process, from application to funding to post-loan approval. Small business owners can also get completely free support from AOF! Get free resources and free 1:1 business coaching on topics like access to capital, business startup strategy, marketing, and more.
AOF working capital loans are ideal for small businesses and sole proprietors that meet the following criteria:
- At least 1 year in business
- Annual revenue of at least $50,000
- Located in all U.S. states except: Montana, Vermont, Tennessee, North Dakota, South Dakota, and the District of Columbia
AOF's clients are overwhelmingly entrepreneurs of color, immigrants, and women. Our clients’ businesses have historically had a 96% survival rate, compared to the national small business survival rate of 50%
Accion Opportunity Fund is a non-profit financial support system that provides business owners – predominantly entrepreneurs of color, immigrants, and women - with access to capital, networks, and coaching. In addition to working capital loans, AOF offers free resources and free 1:1 business coaching on topics like access to capital, business startup strategy, marketing, and more.
Business Credit Card
You're a great fit for this lender if you have been in business for at least 6 months, have a 550+ FICO credit score & generate at least $10,000 in monthly revenue.
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Funding amount
Up to $150,000 -
APR/Interest Rates
0 - 31% -
Credit requirements
550 + FICO -
Application Fee
No Fee
A business credit card helps you track expenses, build a strong business credit history, and increase your working capital so you can reap the literal rewards.
Opening a business credit card is a rite of passage for a small business. Go from big idea to big business with access to working capital that fits in your back pocket. A business credit card helps you track expenses, build a strong business credit history, and increase your working capital so you can reap the literal rewards.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Startup Loan
You're a great fit for this lender if you have been in business for at least 3 months, have a 680+ FICO credit score & generate at least $6,000 in monthly revenue.
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Funding amount
$500 - $750,000 -
APR/Interest Rates
0 - 17% -
Credit requirements
680 + FICO -
Application Fee
No Fee
Transforming your business from an idea into reality can be expensive, but a startup business loan might be exactly what you need to make it happen. Fortunately, we’re here to help you find the perfect one and easily apply.
Before you Apply for a Startup Loan
Before committing to your startup loan, it’s essential you identify your business needs, determine how much you can actually afford, and know exactly what you bring to the table.
Know How Much You Can Afford
Borrowing only what you know you can repay is always a good idea, but it’s especially important when you’re starting a business. Before signing on the dotted line, make sure you’ve calculated how much financing your small business can afford.
In addition to your loan amount, startup loans are determined by your interest rate, term, and collateral. These factors can vary substantially depending on the type of startup loan you choose. You can use our startup loan calculator to estimate your monthly payments.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Commercial Mortgage
You're a great fit for this lender if you have been in business for at least 6 months, have a 600+ FICO credit score & generate at least $8,000 in monthly revenue.
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Funding amount
$5,000 - $5 M -
APR/Interest Rates
4.5% + -
Credit requirements
600 + FICO -
Application Fee
No Fee
Building out your business location is a smart way to increase your assets. Every renovation, upgrade, or expansion adds value to your property, gives you the space you need to streamline operations, or attracts more customers. A commercial mortgage can help you do all this and more. Remember, there’s more at stake than square footage. Making a savvy financing move could help you build a firmer foundation for your small business—literally and fiscally.
Commercial mortgage interest rates can be as low as 4.5%, making the loans an incredibly cost-effective form of capital.
When you apply through Lendio, you can compare commercial mortgage rates from our curated network of 75+ lenders, and your funding manager can help you weigh the benefits and costs of your financing options.
To get a ballpark idea of how much your commercial mortgage payments could be, check out Lendio's commercial real estate calculator. Plug in a few numbers and thye’ll do the math for you.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Cash Advance
You're a great fit for this line of credit if you have been in business for at least 6 months, have a 550+ FICO credit score & generate at least $10,000 in monthly revenue.
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Funding amount
$5,000 - $2 M -
APR/Interest Rates
18% + -
Credit requirements
550 + FICO -
Application Fee
No Fee
There are some situations where a cash advance might be the best funding option, like:
- Businesses with low credit scores
- Newer businesses with limited credit history
- Businesses that need cash quickly
The repayment process for a cash advance differs from that of a normal loan or even a credit card. Instead of making monthly set payments, your lender will withdrawal a “fixed daily percentage” — a preset amount — from your account daily. The daily payments are used to repay the amount of the advance plus the factor rate of the funding. For a cash advance, the lowest you’ll likely find is a factor rate of about 1.2.
Qualifying for a cash advance, like the funding itself, is often fast and easy. Due to the nature and terms of the loan, the requirements for a business cash advance are typically pretty lenient.
- 4-6 months of past bank statements or receivables
- A super-simple cash advance application filled out
- You likely won't need to offer up your credit score or any collateral
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
SBA Loans
You're a great fit for this lender if you have been in business for at least 2 years, have a 600+ FICO credit score & generate at least $8,000 in monthly revenue.
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Funding amount
Up to $5 M -
APR/Interest Rates
Prime + -
Credit requirements
600 + FICO -
Application Fee
No Fee
An SBA loan is a small business loan partially backed by the government. Contrary to what you might think, the SBA doesn’t actually foot any of the cash. Instead, it establishes the guidelines for loans and then guarantees a portion of those loans. Because lenders have much less risk in the case of a default, they’re more likely to provide funds to entrepreneurs like you.
You can find an SBA loan option to cover just about every nook and cranny of your small business. Some of the most common SBA loans include the 7(a), 504, and SBA Microloan.
- SBA 504 used for fixed assets such as land, a building, or machinery
- SBA 7(a) used for working capital, debt refinancing or to purchase business assests
- SBA Microloans used for working capital or to purchase inventory and equipment
You can find an SBA loan option to cover just about every nook and cranny of your small business. Some of the most common SBA loans include the 7(a), 504, and SBA Microloan.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Line of Credit
You're a great fit for this lender if you have been in business for at least 6 months, have a 560+ FICO credit score & generate at least $50,000 in annual revenue.
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Funding amount
$1,000 - $500,000 -
APR/Interest Rates
8-24% -
Credit requirements
560 + FICO -
Application Fee
No Fee
There are multiple benefits to a line of credit that make it ideal for businesses.
Only pay interest on the funds you use
One of the coolest things about a business line of credit is that you only pay interest on the funds you use, not the full amount. For example, if you’re approved for a $40,000 business line of credit and you use $20,000 for office upgrades, you’ll just pay interest on that $20,000. This could save you a bundle in interest. Pretty cool, huh?
Multiple use cases
Just like with a credit card, you can use a business credit line for just about anything. It’s good for businesses looking to expand and in need of a little cash to set up a new location, or to buy inventory. It can also be great to have on deck in the event you might need funds unexpectedly. Or it can be good if you expect to experience cash flow issues due to an off-season or something of the like.
Think of a line of credit as a financial safety net for your business. It’s there if you need it, but you’re under no obligation to use it. And when you do tap into it, you can use it to cover almost any small business need. Plus, you only pay interest on the funds you use, not the full amount. In other words, it’s as flexible as a double-jointed yoga teacher.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Equipment Financing
You're a great fit for this lender if you have been in business for at least 12 months, have a 650+ FICO credit score & generate at least $50,000 in annual revenue.
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Funding amount
$5,000 - $5 M -
APR/Interest Rates
7.5% + -
Credit requirements
650 + FICO -
Application Fee
No Fee
Equipment financing is a type of asset-based lending that helps business owners get the funding to purchase or lease equipment without depleting their working capital.
Credit approval is more flexible with this type of commercial banking because the equipment is used as collateral to secure the financing. As a result for dollar amounts <$50,000 many lenders focus less on the profitability, revenue and overall cash flow of the business and more on the businesses & business owners credit score and how long they’ve been in business.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Term Loan
You're a great fit for this lender if you've been in business for 2 years or more, with monthly revenue of at least $8,000+, and a 680+ credit score.
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Funding amount
$10,000 - $2 M -
APR/Interest Rates
6% + -
Credit requirements
680+ FICO -
Application Fee
No Fee
A term loan is a good way to get a large sum of funding that can be repaid over many years. The interest rates tend to be more favorable than those for short-term loans. They also usually come with a fixed or flat interest rate, so you’ll know what you’re expected to pay each month. This makes it easier for you to also estimate your payments.
Term loans are generally classified into short-term loans and long-term loans.
- Short-Term Loan: They’re short-term, generally meaning they are repaid over 18 months or fewer.
- Term Loan: A long-term loan on the other hand spans years. So they’re great if you’re looking for a large lump sum of funding to help sustain your business. These are usually paid over 2 to 10 years and are for $10,000 to $2 million, a much larger sum than short-term loans would be for.
We all love a classic because it’s tried and true. The same goes for a business term loan—it’s a stable, flexible way to get more working capital, grow your business, and build your credit. If you’re craving a simple small business financing solution, this is it.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Business Acquisition Loan
You're a great fit for this lender if you've been in business for at least six months, with monthly revenue of at least $8,000+, and a 600+ credit score.
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Funding amount
$5,000 - $5 M -
APR/Interest Rates
5.5% + -
Credit requirements
600+ FICO -
Application Fee
No Fee
A business acquisition loan can be customized to meet the needs of your company, whether you’re just getting started or expanding your existing company.
- Flexible collateral requirements: Allows you to obtain a business loan without collateral other than the previous business’s assets.
- Diverse financing structures available: Multiple types of business loans are available for acquisition, such as term loans or lines of credit.
- Protect your cash flow: Support growth without tying up your working capital.
- Skip the startup stage: Own a mature business instead of building one from scratch.
Use a business acquisition loan to buy a business. This loan type will help you purchase an existing business or franchise, which means you can take advantage of that stellar business opportunity even if you don’t have the capital to purchase it outright.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Accounts Receivable Financing
You're a great fit for this lender if you've been in business for at least six months, with monthly revenue of at least $10,000+, with a 550+ FICO credit score.
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Funding amount
Up to 90% of Receivables -
APR/Interest Rates
3% + -
Credit requirements
550+ FICO -
Application Fee
No Fee
Accounts receivable financing is a financing option that uses your company’s unpaid invoices as collateral for a lump sum of cash. Invoice financing typically comes with payment terms that give you 80% of the invoice value upfront. Then, the factoring company takes over the process of collecting payment from your customers. Once the full amount is paid, you’ll receive the remaining invoice balance, minus a factoring fee that is paid to the company.
The factoring fee is usually based on the net terms it takes for your customer to pay the invoice. It usually starts around 3% of the invoice total. However, you can also use other types of accounts receivables to get funding, including purchase orders and inventory.
Because accounts receivable financing is based on tangible assets or debts owed to your company, you may find it easier to qualify than with traditional financing options like business loans. For instance, you’ll generally find more flexible requirements on things like credit and time in business. Even if your company started less than a year ago, you could still apply to qualify for accounts receivable financing.
Lendio is the place to find small business financing and loans online. As the nation’s top small business lending platform, we provide an easy way for businesses to apply for and find the right loan and financing with our fast, online loan application. We offer free tools and guidance (from real people!) to ensure business owners have the information they need to make the right financing decisions for their situation. Plus, with a network of more than 75 lenders and multiple financing products, more small business owners can access the funds they need to start, grow, and keep their business running—even without perfect credit.
Lendio is the nation’s leading small business loan marketplace. With a single, free application, business owners can gain access to over 75 financial institutions who offer a number of different financial services. They have options from term loans and lines of credit to SBA loans and everything in between–all in one place.
Commercial Loan
You're a great fit for this lender if you make at least $100,000 a year and have a 720+ credit score.
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Funding amount
$50,000 -
APR/Interest Rates
15% -
Credit requirements
720+ FICO -
Application Fee
No Fee
The earliest and fastest startup funding available. 10-minute, self-serve application. Automated approvals or denials. As soon as same-day bank funding for $50,000. 5-year term loan (low monthly payments, same amount every month). Flexible income-driven repayment if your business fails.True idea-stage startup capital, no gimmicks.
The details:
- Application you can fill out in 10 minutes
- Automated approvals or declines
- Next-day bank funding for $50,000
- 5-year term loan (low monthly payments, same amount every month)
- Flexible income-driven repayment if your business fails
- Actual idea-stage startup capital, no gimmicks
What it is NOT:
- No deck, business plan, etc.
- No pitch meetings
- No warm intros needed
- No requirement to fit the perfect Silicon Valley stereotype
- No equity, ownership, or warrants
- No origination fee or pre-payment penalties.
You can fill out the 1-min self-assessment on our site to see if you’re a fit today.
Anyone looking to launch or grow their company. Whether you’re building the next big startup, launching a local small business, or just looking to expand your side hustle – the Paintbrush Loan could be the fit for you. Because of their underwriting requirements, this loan is ideal for people who have 2 years of consistent income history and a high credit score.
Credit Requirements:
- Business: Registered as an LLC or Corporation, no time in business or revenue requirements
- Owner/founder: $100k average annual PERSONAL income, 720 credit score, less than 40% debt-to-income ratio.
The Paintbrush Loan is the earliest and fastest startup funding available, with an application you can fill out in 10 minutes, no revenue requirements, no pitching, and now with same-day bank funding for $50k. Funds can be used to build an MVP, run marketing campaigns, validate ideas and conduct user research, add non-dilutive capital to a venture raise, fuel startup growth, launch a small business, or expand your side hustle.
Merchant Cash Advance
You're a great fit for this lender if your business is generates $8,300+ in monthly revenue.
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Funding amount
$5,000 - $500,000 -
APR/Interest Rates
1.24+ Factor Rate -
Credit requirements
500+ FICO -
Application Fee
No Fee
When looking for a business loan it’s a good idea to consider alternatives that can lower your cost of borrowing. Uplyft Capital offers a marketplace where you could be eligible for alternative financing solutions from one of their vetted partners through your application.
Merchant cash advances with Uplift Capital can be used for a variety of purposes including:
- Quick financing to increase your cash flow
- Buy inventory during busy seasons
- Pay for unexpected expenses
- Invest in new expansion opportunities
- Purchase or lease machinery
- Repair breakdown of equipment
- Open a new office or location
- Pay taxes or other liabilities
- Hire staff or employees
- Scale production
- Marketing or advertising campaigns
Uplyft Capital is a good fit for business owners with bad credit who are seeking to secure funding with a short turnaround. The application process requires minimal documentation and there are no fees. However, daily or weekly repayments could be a strain on small businesses that are funding a cash flow shortfall. The high factor rate could also make your business loan costly to finance.
Uplyft Capital has a tiered system where there are four different programs to choose from. Depending on your business needs, a Funding Advisor will place you in the program best suited to your financial requirements.
Regardless of your credit score, Uplyft Capital will consider applications from various credit profiles. If you’re a small or mid-sized business that has been operating for a minimum of 6 months with a revenue of $12,000 a month on average, Uplyft Capital could be a good fit for you. You can apply for a business loan, receive same-day approval, and have the funds deposited into your bank account within 1 – 2 days. Uplyft Capital is transparent about the cost of borrowing. Factor rates range from 1.24 to 1.4 depending on your program tier and the amount of capital you borrow.
Uplyft Capital is on a mission to provide businesses with a suite of funding solutions, a hassle-free process, and personalized offers that meet your unique business needs. There are four programs to choose from when taking out a merchant cash advance.
Term Loans
You're a great fit for this lender if your business is in the Food & Beverage, Health and Wellness, and Retail industries.
-
Funding amount
$25,000 - $500,000 -
APR/Interest Rates
8% + -
Credit requirements
625+ FICO -
Application Fee
No Fee
Honeycomb connects your business to fair funding from an unexpected source; your fans, friends, and the community of Honeycomb Investors nationwide. Their team is obsessed with small businesses, and likes to move fast. They’ll get you a decision in as little as 24 hours after applying.
Honeycomb Credit works with growing small businesses in Food & Beverage, Health and Wellness, and Retail. Their community capital model provides funding that is fast, fair, and local.
For the first time ever, Honeycomb Credit provides a platform for growing small businesses to borrow money from everyday investors. By launching an offering on Honeycomb, business owners can share their future financial success with customers, fans, and their community, while getting the funds they need to keep growing.
Multiple Loans
You're a great fit for this lender if you have at least a 550+ FICO credit score & generate at least $8,000 in monthly revenue.
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Funding amount
Varies -
APR/Interest Rates
Varies -
Credit requirements
550+ FICO -
Application Fee
No Fee
The Fundid Capital Marketplace is partnering with Lendflow to bring you multiple business loan options through one simple application. Lendflow is best for businesses that have at least $8,000 in monthly revenue, 550+ FICO credit score, and at least 6 months' time in business. They offer a variety of business loans such as equipment financing, line of credit, invoice factoring, and term loans.
The Fundid Capital Marketplace is partnering with Lendflow to bring you multiple business loan options through one simple application. Lendflow is best for businesses that have at least $8,000 in monthly revenue, 550+ FICO credit score, and at least 6 months' time in business. They offer a variety of business loans such as equipment financing, line of credit, invoice factoring, and term loans.
Through a partnership with Fundid Capital, Lendflow is a marketplace lender for small businesses.
Revenue-Based Loans
You're a great fit for this lender if you are a Black business owner in Washington State with a community-focused business.
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Funding amount
Varies -
APR/Interest Rates
6.29% + -
Credit requirements
N/A -
Application Fee
No Fee
Denkyem Coop serves Black-owned, community-focused, businesses in Washington State. Ideally, community-facing businesses. Businesses much have the adequate cash flow to support the loan request. They offer revenue-based and character-based business loans.
This lender is for Black-owned businesses that are in Washington State.
Denkyem Coop currently serves Black-owned, community-focused, businesses in Washington State.
At Denkyem Co-op, they want to see a thriving community of Black Entrepreneurs in Washington State. They are a Social Purpose Corporation based in Seattle, whose purpose is to promote unity within the Black Entrepreneur community, and the communities in which they operate. They are on a mission to provide access to affordable loans for Black-owned businesses. They envision a world where these businesses have the resources, support, and trust needed to sustain and grow their enterprises; serving as a beacon in the greater community.