Best Business Loans

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  • Max Loan: $500k
  • Lowest APR: Undisclosed
  • Time to Funding: 2 days

Merchant Capital Source

  • Max Loan: $500k
  • Lowest APR: Undisclosed
  • Time to Funding: 2 days
  • Minimum Credit Score: 600
  • Peer-to-Peer Lending
  • Time to Funding: 30 Days

Able Lending

  • Minimum Credit Score: 600
  • Peer-to-Peer Lending
  • Time to Funding: 30 Days
  • Interest Rates: Undisclosed
  • Loan Term Undisclosed
  • Requirements Undisclosed

Crestmark

  • Interest Rates: Undisclosed
  • Loan Term Undisclosed
  • Requirements Undisclosed
  • Max Loan: Undisclosed
  • Lowest APR: 4.6%
  • Time to Funding: 1 month

CDC Loans

  • Max Loan: Undisclosed
  • Lowest APR: 4.6%
  • Time to Funding: 1 month
  • Interest Rates: Undisclosed
  • Loan Term Undisclosed
  • Requirements: New business with $0 revenue.

Advance Funds Network

  • Interest Rates: Undisclosed
  • Loan Term Undisclosed
  • Requirements: New business with $0 revenue.
  • Interest Rates: 10-15%
  • Loan Term: Undisclosed
  • Requirements: No Min Credit

All Business Loans

  • Interest Rates: 10-15%
  • Loan Term: Undisclosed
  • Requirements: No Min Credit
  • Max Loan: $250k
  • Lowest APR: 24%
  • Time to Funding: 1 day

CashCall

  • Max Loan: $250k
  • Lowest APR: 24%
  • Time to Funding: 1 day
  • Max Loan: $250k
  • Lowest APR: Undisclosed
  • Time to Funding: 7 days

FastUpFront

  • Max Loan: $250k
  • Lowest APR: Undisclosed
  • Time to Funding: 7 days
  • Max Loan: $5m
  • Lowest APR: Undisclosed
  • Time to Funding: Undisclosed

Citizens Bank

  • Max Loan: $5m
  • Lowest APR: Undisclosed
  • Time to Funding: Undisclosed
  • Max Loan: $1m
  • Lowest APR: Undisclosed
  • Time to Funding: 3 weeks

Lift Fund

  • Max Loan: $1m
  • Lowest APR: Undisclosed
  • Time to Funding: 3 weeks
  • Max Loan: $500k
  • Lowest APR: Undisclosed
  • Time to Funding: 2 days

Founded in 2005, Merchant Capital Source began its journey in the funding industry for small to mid-sized businesses. The company provides small business loans or merchant cash advances the capital that businesses need without the obstacles inherent with traditional lending. Merchant Capital Source is a direct lender. MCS offers same-day approval, funding within two days, and minimal paperwork. The company is also a member of the Small Business Finance Association, which is a not-for-profit association that represent organizations in the United States and Canada that are in the business of providing working capital to small and mid-sized businesses. Headquarters are in Huntington Beach, California, and serving businesses nationwide. Consumers that choose Merchant Capital Source should remember that they must have a credit score of 550 or higher.

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  • Minimum Credit Score: 600
  • Peer-to-Peer Lending
  • Time to Funding: 30 Days

Able is a low-cost online lender that caters to small businesses and startups. The company charges some of the lowest rates in the industry (maxing out at 25% APR), and boasts flexible requirements to help even brand new businesses secure the funds they need; however, the company also falls behind in some areas, like the waiting period before funds are disbursed, and other limitations. Overall, Able Lending is a solid option for borrowers interested in peer-to-peer lending options. Consumers that choose Able Lending should remember that they must have a credit score of 550 or higher.

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  • Interest Rates: Undisclosed
  • Loan Term Undisclosed
  • Requirements Undisclosed

 

Consumers that choose Crestmark should remember that they must have a credit score of 550 or higher. Company has not yet verified this profile. We recommend researching the top companies shown below:

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  • Max Loan: Undisclosed
  • Lowest APR: 4.6%
  • Time to Funding: 1 month

CDC Loans is a nonprofit small business finance lender. The company has provided over 10,000 SBA loans to small businesses, preserved or helped to create 167,000 jobs, and have provided $13 billion in capital to small business owners. Since 1978, CDC Loans has worked to build strong relations with banks and commercial real estate brokerages in the communities they serve. Acting as an advocate for small companies, CDC Loans is continually helping these companies to get the finances they need and to reach their full potential. Consumers that choose CDC Loans should remember that they must have a credit score of 550 or higher.

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  • Interest Rates: Undisclosed
  • Loan Term Undisclosed
  • Requirements: New business with $0 revenue.

 

Consumers that choose Advance Funds Network should remember that they must have a credit score of 550 or higher. Company has not yet verified this profile. We recommend researching the top companies shown below:

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  • Interest Rates: 10-15%
  • Loan Term: Undisclosed
  • Requirements: No Min Credit

 

Consumers that choose All Business Loans should remember that they must have a credit score of 550 or higher. Company has not yet verified this profile. We recommend researching the top companies shown below:

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  • Max Loan: $250k
  • Lowest APR: 24%
  • Time to Funding: 1 day

CashCall, Inc. is an online nationwide lender founded in 2000 and based in Orange, California. The company offers unsecured loans up to $250,000 with terms up to ten years to small business owners with fixed monthly payments and access to funds within one day. Government actions in several states for charging excess interest rates and other alleged predatory lending practices.

Typical Borrowers

Typical borrowers through CashCall are sole proprietors with less than perfect credit who are unable to obtain a loan through traditional banking institutions. The company assists these types of borrowers to help reestablish their credit through long-term loans. It is also suitable for small business owners who need fast access to working capital. CashCall Small Business works with all credit types and has fewer application requirements for funding than many other online lenders. Borrowers must be operating for-profit in order to qualify for a small business loan. Consumers that choose CashCall, Inc. should remember that they must have a credit score of 550 or higher.

Best Uses

Small business loans from CashCall are typically used for inventory purchases, system upgrades, and marketing.

Minimum Qualifications

  • Two Months of Business Income
  • Credit Score of 500 or More
  • For-Profit Company with Business Bank Account
  • Personal Guarantee
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  • Max Loan: $250k
  • Lowest APR: Undisclosed
  • Time to Funding: 7 days

FastUpFront is an alternative business lending company specializing in cash advances for small businesses. While the company began operations in 2007, FastUpFront saw tremendous growth in 2009 when small businesses were struggling during the recession. They made it their mission then, as it is now, to take on new borrowers and extend as much small business financing as possible to help existing businesses grow and expand. Consumers that choose FastUpFront should remember that they must have a credit score of 550 or higher.

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  • Max Loan: $5m
  • Lowest APR: Undisclosed
  • Time to Funding: Undisclosed

Citizens Bank is an established financial institution with over 1,100 branches and locations in the eastern half of the United States. Citizens Bank opened their doors for business in 1947, and in 1988 they were acquired by the Royal Bank of Scotland to become RBS Citizens Bank. Citizens Bank split off from RBS in 2014 and continues to provide personal and business financing to U.S. consumers through phone or in-person applications. Consumers that choose Citizens Bank should remember that they must have a credit score of 550 or higher.

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  • Max Loan: $1m
  • Lowest APR: Undisclosed
  • Time to Funding: 3 weeks

LiftFund's began in San Antonio, Texas in 1994 in conjunction with the micro-lending organization Acción International that offers micro-loans in Latin America. LiftFund incorporates the same mission and ideas in the U.S that Accion uses in Latin America. LiftFund is a non-profit organization that helps small businesses who have a hard time accessing funding. Consumers that choose LiftFund should remember that they must have a credit score of 550 or higher.

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