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Working capital that moves at the speed of your business

Best Business Loans of 2026

From term loans to lines of credit to SBA financing, the right lender depends on how fast you need the money and how much documentation you can produce. We compared online business lenders on funding speed, amounts, rates and eligibility.

6 lenders comparedLast updated July 2026How we rate
Business Loans — Finmatchly
At a glance

Top business loans compared

At-a-glance comparison of the top lender options
#ProviderRatingLoan amountBest for
1
OOnDeck logoOnDeck
4.9
$5K–$250KEstablished firms needing fast working capitalSee Rates
2
BBluevine logoBluevine
4.8
$6K–$250KBusinesses that want revolving capitalSee Rates
3
FFundbox logoFundbox
4.6
$1K–$150KNewer businesses with limited historySee Rates
4
LLendio logoLendio
4.5
$1K–$5MOwners who want to weigh many offersGet Quote
5
FFora Financial logoFora Financial
4.3
$5K–$1.5MOwners with weaker personal creditSee Rates
6
NNational Funding logoNational Funding
4.2
$5K–$500KEquipment buyers and short-term needsGet Quote

Rates and terms shown are illustrative editorial examples — confirm current details on each lender’s site.

The full list

Our top-rated lenders, ranked

#1
OOnDeck logo

OnDeck

Same-day cash for growing businesses

Best Overall

Best for Established firms needing fast working capital

Loan amount
$5K–$250K
Starting rate
27.3% APR
Min. time in business
1 year
Funding speed
As soon as same day
  • Term loans up to $250K and lines of credit up to $100K
  • Same-day funding available on approved term loans
  • Loyalty benefits waive remaining interest when you prepay
  • Reports to business credit bureaus to build your file

Pros

  • Decision and funding often land within a single business day
  • Works with credit scores as low as 625
  • Transparent, fixed weekly or daily repayment schedule

Cons

  • Rates run higher than a bank term loan
  • Weekly or daily debits can strain thin cash flow
  • Not available to sole proprietors in a few states
#2
BBluevine logo

Bluevine

Draw what you need, pay for what you use

Best Line of Credit

Best for Businesses that want revolving capital

Loan amount
$6K–$250K
Starting rate
7.8% simple
Min. time in business
1 year
Funding speed
As soon as hours
  • Revolving line of credit up to $250,000
  • Rates start at 7.8% simple interest
  • Funds available in hours with a paid expedited wire
  • Interest charged only on the amount you draw

Pros

  • Reusable credit line, so you borrow again as you repay
  • Fast online application with a decision in as little as five minutes
  • No prepayment penalty for paying a draw off early

Cons

  • Requires roughly $40K in monthly revenue to qualify
  • Expedited funding wire carries an extra fee
#3
FFundbox logo

Fundbox

Credit for companies six months in

Best for Startups

Best for Newer businesses with limited history

Loan amount
$1K–$150K
Starting rate
4.66% (12-wk fee)
Min. time in business
6 months
Funding speed
Next business day
  • Line of credit up to $150,000
  • Qualifies businesses with six months of operating history
  • No fees, penalties, or charges until you draw
  • Connect your bank or accounting software for instant review

Pros

  • Low bar to entry for young companies and lower credit scores
  • Clear, weekly repayment with no hidden costs
  • Waives remaining fees when you repay a draw early

Cons

  • Maximum draw is smaller than most competitors
  • Short 12- to 24-week terms mean higher weekly payments
  • Weekly automatic debits require steady cash flow
#4
LLendio logo

Lendio

One application, dozens of lenders

Best for Comparison Shopping

Best for Owners who want to weigh many offers

Loan amount
$1K–$5M
Starting rate
6.0% APR
Min. time in business
6 months
Funding speed
24 hours to weeks
  • One application reaches 75+ lending partners
  • Products from SBA loans to equipment and lines of credit
  • Amounts from $1,000 up to $5 million
  • A funding manager helps you compare and close

Pros

  • Widest range of loan types and amounts in one place
  • Free to use, with no obligation to accept an offer
  • Strong option for SBA loans that banks make slow

Cons

  • You deal with a third-party lender after matching
  • Applying can trigger follow-up calls from partners
#5
FFora Financial logo

Fora Financial

Funding when the bank says no

Best for Bad Credit

Best for Owners with weaker personal credit

Loan amount
$5K–$1.5M
Starting rate
1.10 factor rate
Min. time in business
6 months
Funding speed
As soon as 72 hours
  • Approves credit scores down to 570
  • Term loans up to $1.5 million
  • Prepayment discount if you settle early
  • No collateral required and no restrictions on use

Pros

  • Realistic path to funding for lower-credit owners
  • Large maximum loan for a revenue-based lender
  • Dedicated funding specialist walks you through it

Cons

  • Factor-rate pricing costs more than an APR loan
  • Requires about $12K in average monthly revenue
  • Short terms concentrate repayment into big installments
#6
NNational Funding logo

National Funding

Working capital and equipment leases

Best for Equipment buyers and short-term needs

Loan amount
$5K–$500K
Starting rate
1.11 factor rate
Min. time in business
6 months
Funding speed
As soon as 24 hours
  • Working capital loans up to $500,000
  • Equipment financing up to $150,000
  • Early-payoff discount cuts total interest
  • Decisions weigh cash flow over a perfect credit score

Pros

  • Solid option for financing machinery or vehicles
  • Discounts for paying the balance off early
  • Works with scores in the low 600s

Cons

  • Requires roughly $250K in annual revenue
  • Rates are quoted only after you apply
How we chose

Independent research, no pay-to-play

Every lender above earns its place on the merits. We weigh the numbers that decide real outcomes in this category — cost, terms, eligibility, and the quality of the experience once you’re a customer — against verifiable data and hands-on testing. Advertising partners never buy a better ranking, and our editorial scores are set independently of any commission we may earn.

Read our full rating methodology
Good to know

Business Loans questions, answered

Online lenders here can approve and fund within one to three business days, and some deliver a line of credit the same day. SBA loans offer the best terms but take weeks because of the paperwork.

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