Independent US business finance research
See how current lenders, marketplaces and SBA programs differ before you start an application.
✓ Free research • No obligation • Updated July 17, 2026
✓ Current lender checks
□ Costs explained in plain English
○ Banks, online lenders and SBA options
Request-driven refresh every 6 hours, with dated fallbacks when a source cannot be reached.
60%Applied for financing
42%Received all financing sought
57%Small-bank full approval
60%Online borrowers reporting higher cost than expected
Program ceilings are calculated from the latest prime observation and SBA's published variable-rate margins, not a lender quote. SBA loan-level dataset shown as of 2026-03-31; catalog checked 2026-07-08. Rate source ↗ SOFR ↗ SBA rules ↗ SBA data ↗ Credit survey ↗
Start with the amount
Choose an indicative amount. The payment illustration below uses a simple 16% total-cost example over 24 months and is not a quote.
Start with the structure
The cheapest option is not always the fastest, and the fastest offer can be the hardest on weekly cash flow.
Useful for a defined project when you can forecast the repayment from business cash flow.
Read the guide →Draw only when neededA revolving facility for inventory, payroll timing and recurring short cash flow gaps.
Read the guide →Longer process, lower ceiling on ratesGovernment-backed programs for working capital, acquisitions and major fixed assets.
Read the guide →Asset supports the applicationSpread the cost of vehicles, machinery, medical equipment or technology over its useful life.
Read the guide →Borrowing base or sold receivableUse eligible B2B invoices, inventory or other business assets to support working capital.
Read the guide →Sales-linked repaymentA purchase of future revenue that needs factor-rate, reconciliation and UCC checks.
Read the guide →Rural project guaranteeLonger lender financing for eligible rural business projects, property and equipment.
Read the guide →Community-based underwritingMission-driven institutions and nonprofit intermediaries for smaller or underserved borrowers.
Read the guide →Debt, grants or ownership capitalMatch the company stage and growth model to bootstrapping, angel investment, venture capital, growth equity or PE.
Read the guide →One intake, several providersReview broker fees, lender panels, data-sharing consent and eight current platforms before submitting your file.
Read the guide →Know the obligation before signingCompare term, line, SBA, equipment, factoring, asset-based, revenue-purchase and mortgage agreements.
Read the guide →Download, edit and reuseGet five funding calculators, a six-offer comparison workbook and browser-ready calculator source code.
Read the guide →Lender desk
Published limits are only a starting point. Approval, price and repayment structure depend on the borrower.
A clear online-lender benchmark
Published range$5,000 to $400,000
ProductsTerm loan · Line of credit
Starting profileUsually 1 year · $100k revenue
Term lending and revolving credit with different limits and repayment patterns.
Read review Clear benchmarkYounger businesses with recurring needs
Published rangeUp to $250,000
ProductsLine of credit · Term loan
Starting profile3 months · $30k revenue · 600 FICO
Low published starting thresholds do not mean every applicant receives the maximum limit.
Read reviewEstablished LLCs and corporations
Published rangeUp to $250,000
ProductsLine of credit · Business checking
Starting profile12 months · $120k revenue · 625 FICO
A revolving product with specific entity, state and industry restrictions.
Read reviewComparing several funding structures
Published range$25,000 to $2 million+
ProductsTerm loan · Revenue-based finance
Starting profile$100k revenue · 650 FICO
A platform with several products, so the funder and legal structure can vary by offer.
Read reviewHigher-revenue firms needing speed
Published rangeUp to $1.5 million
ProductsShort-term business loan · Revenue advance
Starting profile6 months · $240k revenue · 570 FICO
Accessible published credit floor, but daily or weekly payments can be demanding.
Read reviewEstablished, high-revenue operations
Published rangeUp to $500,000
ProductsWorking capital · Short-term loan
Starting profile6 months · $250k revenue
A direct funding conversation rather than a self-service rate table.
Read reviewNational bank desk
Current bank reviews separate term loans, revolving credit and property products so a published ceiling is not mistaken for an approval.
The market in numbers
Federal Reserve survey data show that 29% of financing applicants sought an online fintech lender in 2025. Small banks still produced the highest full-approval rate, at 57%.
That is why this site compares the repayment pattern and total cost alongside speed. Fast funding is useful only when the business can absorb the payment schedule.
Read the Federal Reserve report ↗Applicants seeking online fintech financing
Practical guides
Local funding routes
National lenders operate alongside state programs, CDFIs, credit unions and local SBA lending partners.
One application route
Start with an indicative funding request and continue to the existing lender marketplace when you are ready.