Which Business Loans Company Is Right for Me? Result #26

7. BehalfScores Hzntl (13)


  • Term Length: 1-6 Months
  • Zero Closing Fees 
  • Working Capital Loans Offered
  • Interest Rate: $0.03/Dollar
  • A- BBB Rating
  • $20,000 Loan Max.

Unlike banks or other traditional lending firms, Behalf provides working capital loans to small-business owners regardless of their credit score, and provides new lines of credit up to $50,000. Behalf charges zero closing or prepayment fees, helping to reduce the financial burden of new companies with cashflow problems. However, Behalf has one of the lower acceptance rates on the market, averaging only 38%. And as Behalf only offers terms up to six months, businesses that require several months to repay a loan may have better luck elsewhere. Customers will also need to wait at least a month before funds can be delivered.

10. FundboxScores Hzntl (10)


  • Term Length: 12 Weeks
  • $4-$10 Origination Fees
  • Only Cashflow Loans Offered
  • Interest Rate: $0.07/Dollar
  • A BBB Rating
  • $25,000 Loan Max.

Fundbox has been in business since 1998, and has provided nearly $4 billion in funding for business owners who don’t qualify for loans from traditional financial institutions. The company offers short-term cashflow loans for businesses seeks $25,000 and under in funding. Customers will receive funding in as little as 24 hours, and Fundbox’s cents-on-the-dollar rate is incredibly low ($0.07 per dollar borrowed). Another benefit to Fundbox is customers will not be charged a prepayment fee for early completion of the loan repayment. However, as Fundbox only supplies cashflow loans, customers will be limited to how much money they can request, and will be required to pay up to $1,020 for a $15,000 advance on an invoice.

24. BlueVineScores Hzntl (11)


  • Term Length: 1-12 Weeks
  • Zero Origination Fees 
  • Lines of Credit Offered
  • Interest Rate: $0.14/Dollar
  • A BBB Rating
  • $100,000 Loan Max.

Although BlueVine has only been in business since 2013, the company provides alternative funding to business owners at very competitive rates. Customers with credit scores as low as 530, barely any time in business, and little annual revenue will still likely qualify for a loan from BlueVine – making BlueVine an excellent option for new startups. The company offers as much as $100,000 in funding advances, and customers can receive funds in as little as one to two days. However, customers should also be aware that the APR that comes with BlueVine’s advances can be incredibly high, sometimes as much as 61%. Potential borrowers should also be aware that BlueVine is likewise a startup, and lacks the track record of more established companies.