Compare business loan rates for 2026 — Business Funding Comparison
We match your small business with transparent, vetted lenders for equipment, expansion, and cash flow needs.
Soft credit inquiry only.
- Revenue-based financing
- Term loan
- Invoice factoring
- Merchant cash advance
- Capital lease
- Unsecured loan
- Personal guarantee
- Debt-service coverage
Small business commercial lending and capital financing comparison
Financing options matched to your situation, in one place.
- Term Fixed term loans Fixed monthly payments for expansion or operational stability.
- Line Business line of credit Draw funds as needed and pay interest only on what you use.
- Asset Equipment financing Collateral-backed capital to purchase machinery or technology.
- Cash Invoice factoring Get immediate cash advances on outstanding client invoices.
- $5K–$2M Available funding range
- 24–48 hours Typical approval time
- 0 hard pulls Impact on credit score
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Rate transparency
- Compare APR and origination costs upfront.
- See total repayment amounts before you apply.
Vetted lender network
- We audit every partner for funding history and borrower protections.
- Only established online lenders are included.
Data security
- Financial data stays encrypted at all times.
- We never sell your contact information to third parties.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low credit score
Traditional banks often reject applications with scores below 700.
Lack of collateral
Banks demand hard assets to secure loan amounts.
Short operating history
Most institutions require at least five years of operations.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Logistics fleet owner
Purchase five new delivery vans for regional distribution expansion.
SaaS software startup
Bridge cash flow gap during annual customer acquisition season.
Grocery distributor
Repair failing refrigeration units and storage systems.
E-commerce retailer
Increase inventory stock before Q4 holiday sales period.
Our business funding resource center
Access our 2026 guide on SBA loan requirements, invoice factoring comparisons, and the differences between lines of credit and term loans.