Top Business Lenders

Looking for business loan? We've reviewed the top business lenders in the USA to help you get the right loan for your business.

How we rank
The ranking on this site is determined by Top Business Lenders at its sole discretion, based upon, inter alia, accessibility of the various sites, scope of the services offered and other factors. The ranking should NOT be relied upon for accuracy purposes. To provide you this service free of charge, we embed links to the provider sites that assign us referral commissions. We guarantee that this arrangement does not cause any bias to the offers we display, although it may impact the ranking structure.

Top Business Lenders does not specifically endorse the ranked sites. The data presented on this site and any possible use of it is subject to our Terms of Use
9.7
BFS Capital Top Features
  • Loans up to $500K
  • Fast approval and flexible options
  • More than $1.75B funded
  • Better Business Bureau A+ rating
  • Trustpilot Rank: 9.7 rank
  • Read Full Review
9.7
OnDeck Top Features
  • Funded over $7 billion to over 70,000 global businesses
  • Two flexible financing products
  • Up to $500,000 in funding
  • Better Business Bureau A+ Rating
  • Trustpilot Rank: 9.5 rank
  • Read Full Review
9.7
LoanBuilder Top Features
  • Short-term loans from $5K-$500K
  • Part of PayPal
  • Flexible customizable terms
  • Fixed repayment fee
  • Trustpilot Rank: 9.7 rank
  • Read Full Review
9.6
Fundbox Top Features
  • Online lender trusted by 100,000+ US businesses
  • Invoice financing and line of credit
  • Simple repayment plans
  • Quick approvals and funding
  • Trustpilot Rank: 9.6 rank
  • Read Full Review
9.6
RapidAdvance Top Features
  • Up to $500,000 in funding
  • Funded over $1 billion to SMBs
  • Multiple financing products
  • 96% customer satisfaction
  • Trustpilot Rank: 9.6 rank
  • Read Full Review
9.6
American Express Top Features
  • Fixed-percentage merchant financing
  • From $5,000 to $2,000,000
  • Early repayment rebate
  • Suitable for merchants accepting AMEX
  • Read Full Review
9.5
SmartBiz Top Features
  • SBA loans up to $350,000
  • Long repayment terms
  • No prepayment penalties
  • Decision based on overall business health
  • Trustpilot Rank: 9.3 rank
  • Read Full Review
9.4
BlueVine Top Features
  • Funded over $1 billion
  • Line of Credit and Invoice Factoring
  • Up to $5 million in invoice factoring
  • Quick & easy application and approvals
  • Trustpilot Rank: 9.4 rank
  • Read Full Review
9.3
Kabbage Top Features
  • Over 100,000 businesses funded with over $3 billion
  • Flexible line of credit up to $150K
  • Super-quick approvals
  • Convenient access to funds once approved
  • Trustpilot Rank: 9.3 rank
  • Read Full Review
9.3
Fora Financial Top Features
  • Small business loans
  • Merchant Cash Advances
  • Funding from $5K-$500K
  • Over $750M to 15,000+ SMBs
  • Trustpilot Rank: 9.3 rank
  • Read Full Review
9.1
Credibly Top Features
  • 2 types of finance solutions for SMBs
  • Working capital loans, business expansion loans
  • Decision based on overall business health
  • High pre-approval rate
  • Trustpilot Rank: 9.1 rank
  • Read Full Review
9.1
LoanMe Top Features
  • Small business loans
  • From $3,500-$250,000
  • California no -worry guarantee
  • Relaxed qualification requirements
  • Trustpilot Rank: 9.1 rank
  • Read Full Review
9.0
InterNex Capital Top Features
  • Asset-based digital lender
  • Revolving lines of credit from $250K-$5MM
  • Quick online application
  • Flexible balance sheet lending
  • Trustpilot Rank: 9.0 rank
  • Read Full Review
9.0
Funding Circle Top Features
  • Peer-to-peer lending marketplace
  • Over 7 billion invested in businesses globally
  • Funding from $25K-$500K
  • Attractive rates
  • Trustpilot Rank: 9.0 rank
  • Read Full Review
8.9
Idea Financial Top Features
  • Flexible line of credit
  • Funding up to $150K
  • Dedicated business advisor
  • Competitive rates
  • Trustpilot Rank: 8.9 rank
  • Read Full Review
8.9
Expansion Capital Group Top Features
  • Merchant cash advance
  • From $5,000-$500,000
  • Low credit scores accepted
  • Small daily repayments
  • Trustpilot Rank: 8.9 rank
  • Read Full Review
8.8
Strategic Funding Top Features
  • Funded over $2 billion to over 25,000 small businesses
  • Variety of funding options
  • Funding up to $1 million
  • Over 50% repeat customers
  • Trustpilot Rank: 8.8 rank
  • Read Full Review
8.7
Headway Capital Top Features
  • Revolving line of credit
  • Funding up to $100K
  • Part of public company Enova
  • Bank-level security
  • Trustpilot Rank: 8.7 rank
  • Read Full Review
8.6
Elevate Funding Top Features
  • Boutique merchant cash advance company
  • Low qualification requirements
  • Quick turnaround
  • No credit checks
  • Member of the Small Business Finance Association
  • Read Full Review
7.7
Seek Capital Top Features
  • Unsecured business credit card up to $150K
  • Same day approvals
  • No upfront costs
  • No collateral required
  • Trustpilot Rank: 7.7 rank
  • Read Full Review
5.8
Lending Club Top Features
  • Personal loans up to $40K
  • Get funds in as little as 7 days
  • Quick online application
  • Fixed monthly payments
  • Trustpilot Rank: 5.8 rank
  • Read Full Review
0.0
Nextwave Top Features
  • Provided over $100 million to US-based SMBs
  • Flexible merchant cash advance
  • Over 5 years in the industry
  • Credit challenges not a problem
  • Funding for businesses of all sizes
  • Read Full Review
Show More

How To Choose A Business Lender

Once you’ve read our reviews, you’ll be well-equipped to choose the best lender for your business.

Here are the most important factors to consider when making your choice:

1. Approved credit providers only

It’s essential to get a loan only from an accredited provider. All of the lenders we reviewed are approved credit providers in Australia.

2. Easy application

Applying for a loan with an online lender should be quick and easy using an online application form. The lenders we reviewed here all provide online loan application.

3. Speed of funding

Traditional lenders are slow and bureaucratic, online lenders are fast. It’s as simple as that. Check out the average time it takes to get a loan for each lender.

4. Flexible & transparent repayment terms

Repayment terms should be flexible to match the changing needs of a growing business. Flexible unsecured loans, lines of credit, merchant cash advances are all different types of flexible loan products offered by the reviewed lenders. The repayment structure and fees should be transparent, there should be no hidden costs or early repayment penalties.

5. Loan restrictions

Make sure there are no limitations on how you can use your loan in your business. Most of the lenders we reviewed have no restrictions, as long as the loan is used for a business purpose. The exception is a loan product that’s for a specific purpose, such as Equipment/Vehicle Finance.

6. Approval rates

You probably bypassed the bank because of the low chance of getting approved. All the lenders reviewed here have high approval rates.

We chose our reviewed lenders based on all of these factors. Click here to read our top lender reviews.

Manual Comparison or Automated Finders?

If you don’t feel like doing all the research yourself, you can use an automated loan finder to help you find the right loan. This is how it works:

  1. Visit a reputable Australian business lending marketplace.
  2. Fill in one quick online application form to see if you qualify.
  3. The algorithm will automatically match you to the best lender for your business based on your specific profile.
  4. You’ll start getting loan offers from your preferred lenders and receive the money in just a few days.

Alternatively, you can use our detailed reviews of each of Australia’s top lenders to help you choose your preferred lenders. You will then need to apply to each lender individually.

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