10 Best Small Business Loans of 2026
Get the Best Small Business Loan. We review and compare the Top Small Business Loan services for your growing business.
Applying won’t affect credit score
- Loan Amounts: $5,000 to $250,000
- Average Yearly Revenue requirements: $100,000
- Minimum Credit Score: 625 FICO
- Minimum Time in Business to apply: 1 year
Compare Multiple Offers in Less Than 3 Mins.
- Loan Amounts: Up to $3 million
- Free Application with No Credit Check
- Short & Long Term Loan Options Available
- On Demand Line of Credit Up to Fiixed Limit
Loans Range: $25,000 to $5 Million
- Decision as Fast as 24 Hours
- Get Funded as Quick as 72 Hours
- Applying Does Not Affect Your Credit
- Apply Online In Minutes
Approval Based on Revenue, Not Credit Score
- Apply & Receive a Decision in as Little as 1 Hour
- Get a Flexible Business Line of Credit
- Gain Access to Funding Within 24-Hours
- Financing Increases when Your Business Grows
Compare Financing Options From 50+ Lenders
- Multiple Financing Options — SBA, Lines of Credit, Equipment & More
- Automated Platform Helps Match Your Business With Available Offers
- Options Available for Businesses With Less Than-Perfect Credit
- Funding Available in as Little as 24–72 Hours
Loan Amounts: Up to $5,000,000
- Average Yearly Revenue requirements: $250,000
- Minimum Credit Score: 650 FICO
- Minimum Time in Business to apply: 2+ years
- Get approved in as little as four hours
- Wide range of loan products available
- Up to $350K just by filling out an application
- Accredited by the Better Business Bureau with an A rating
- Get personalized pre-qualified rates from multiple lenders.
- 2 Minute Process
- Loans from $600 to $200,000
- Rates from 5.74% APR - 35.99% APR APR¹
- Loan terms of 1 - 7 years
- Rated A+ by the BBB
- Funding up to $1,000,000 in short-term working capital (term loans and lines of credit up to $250,000)
- Rates starting at 10.99% APR, with no prepayment penalties on any product
- Fast funding — decisions within 24 hours and money in as little as 1–2 business days (same-day available)
- A+ BBB rating, $100M+ funded across 2,500+ businesses since 2020
- Straightforward eligibility — 2+ years in business, ~$200K+ annual revenue, 660 minimum credit score (700+ preferred)
Get funded in as soon as 24 hours of acceptance
- Borrow up to $1.5 million with repayment terms of 4-18 months
- Protect your credit score with a soft inquiry during the application process
- No hidden fees, making it easy to manage your finances confidently
*Not available in North Dakota
🤝 Up To $250K For Established Businesses
- Term Loans Can Fund the Same Day†
- Lines of Credit Can Fund Instantly*
- Fast Application Process, No Hard Credit Pulls
- Flexible Repayment Terms: 12, 18 or 24 Months
Get funded in as soon as 24 hours of acceptance
- Borrow up to $1.5 million with repayment terms of 4-18 months
- Protect your credit score with a soft inquiry during the application process
- No hidden fees, making it easy to manage your finances confidently
*Not available in North Dakota
Funds businesses based on potential, not credit scores
- Loans range from $50,000 to $5,000,000
- Flexible repayment options available
- Minimum of 625 Personal FICO Score
- Minimum of $100k in average monthly deposits
Approval Based on Revenue, Not Credit Score
- Apply & Receive a Decision in as Little as 1 Hour
- Get a Flexible Business Line of Credit
- Gain Access to Funding Within 24-Hours
- Financing Increases when Your Business Grows
- Rapid Finance offers very low rates to qualified businesses
- Over $1 billion in loans granted to small businesses
- Business-financing ranging from $5,000 to $1,000,000
- Get approval as quick as 24 hours
- Rated A+ by the BBB
- Best suited for well-qualified applicants: 600+ Fico, 60k/year in revenue, 2+ years in business
Applying won’t affect credit score
- Loan Amounts: $5,000 to $250,000
- Average Yearly Revenue requirements: $100,000
- Minimum Credit Score: 625 FICO
- Minimum Time in Business to apply: 1 year
Partner Disclosures & Disclaimers:
OnDeck: *Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draws between $1,000 - $10,000, and you can only make one draw request per day. Not all banks or debit card providers participate, and you must register a business debit card matching the information associated with your OnDeck account. Transfers are typically completed within 30 minutes, but may be subject to additional restrictions or delays.
†Same-Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday – Friday before 10:30 a.m. ET. If checkout is done before 10:30 a.m. ET, funds will be available by 5 p.m. local time the same day. If checkout is done after 10:30 a.m. ET, or on a weekend or bank holiday, it will not qualify for Same-Day Funding and funds will be deposited within 2 – 3 business days.
Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the OnDeck family of companies or by Celtic Bank. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval.
OnDeck® is a Registered Trademark. All rights reserved.
Biz2Credit: *Estimates based on all term loan transactions January 2023 - December 2023. Read the company's Terms & Conditions here.
Credibly: *Some products are made available through Credibly’s network of external funding partners.
Credible: ¹Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 6.99% - 35.99% APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.
*Credible Personal Loan Best Rate Guarantee: Terms Apply
Businessloans.com: Read the company's Advertising Disclosure.
Lendzi: See Lendzi's Terms of Application and Licenses and Disclosures.