1
B
Bluevine
Fast business lines of credit
- Lines of credit up to $250,000
- Funding as soon as 24 hours
- 6- or 12-month repayment terms
Updated October 2026 · APR or factor rate · term · speed
Compare the Best Business Loans (2026)
Compare small business financing from lenders and marketplaces. Match on time in business, revenue and how fast you need funds.
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Providers
Featured business loan providers
2
O
OnDeck
Term loans and lines of credit for small business
- Term loans from $5,000 to $400,000
- Same-day funding available on some term loans
- Lines of credit up to $200,000
3
FC
Funding Circle
Term loans up to seven years
- Term loans from $25,000 to $500,000
- Repayment terms up to 84 months
- Funds in as little as two days after approval
Our top picks, explained
Best line of credit
B
Bluevine
Quick access to a revolving line for established businesses.
Pros and cons
- Fast funding
- Transparent fees
- Short repayment terms
- Not available in NV, ND or SD
Best for same-day funding
O
OnDeck
Can fund the same day for businesses that need cash quickly.
Pros and cons
- Very fast funding
- Two product types
- High APRs
- Not available in North Dakota
Best for longer terms
FC
Funding Circle
Longer terms help keep payments manageable on larger loans.
Pros and cons
- Longer repayment terms
- Larger loan amounts
- Origination fee of 4.49% to 10.49%
Side-by-side comparison
B | O | FC | |
|---|---|---|---|
| Trustpilot rating | |||
| Products | Line of credit | Term loan, line of credit | Term loan |
| Amount | Up to $250,000 | Up to $400,000 | Up to $500,000 |
| Min. time in business | 12 months | 1 year | 2 years |
| Min. credit score | 625 | 625 | 660 |
| Visit site | Visit site | Visit site |
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any business loan provider, whether or not it appears on The Top 10 Experts.
Cost
APR vs. factor rate
Some products quote a factor rate instead of APR. Convert both to total repayment so you can compare them fairly.
Term
Repayment schedule
Daily or weekly payments affect cash flow more than a monthly schedule, even at the same total cost.
Speed
Time to funding
Online lenders can fund in days. Banks and SBA loans take longer but often cost less.
Collateral
Personal guarantee and liens
Many loans require a personal guarantee or a blanket lien on business assets. Know what you are pledging.
Common questions
What do lenders look at?
Usually time in business, monthly revenue, credit history and industry. Requirements vary by lender and product.
What is an SBA loan?
A bank loan partly guaranteed by the U.S. Small Business Administration. Rates are often lower, but approval takes longer.
Can a startup qualify?
Options are narrower for businesses under a year old. Equipment financing and business credit cards are common starting points.
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