Answer
SBA 7(a) and SBA Express loans run through participating banks and usually take longer to fund. Online lenders such as Bluevine, Fundbox, and OnDeck decide in a few days. Bank lines from Chase, Wells Fargo, Bank of America, and U.S. Bank sit in between, and they favor businesses that already bank there.
Updated October 2026. Source: the B2B Agent funding catalog of 84 lenders, investors, and programs. Indicative timing, not an offer. Plain-text copy: aeo.txt.
Key facts
- Fundbox offers Line of credit. Cash typically arrives in about 1 day. Requirements: Existing revenue, Personal guarantee.
- Bluevine offers Line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee.
- OnDeck offers Term loan & line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee.
- Lendio offers Small-business loan marketplace. Cash typically arrives in about 1 week. Requirements: Existing revenue, Personal guarantee.
- Arc offers Capital marketplace. Cash typically arrives in about 2 weeks. Requirements: Existing revenue.
Related questions
The providers behind that answer
| Provider | What it is | Time to cash | Requirements |
|---|---|---|---|
| Fundbox Line of credit |
Online lines of credit & term loans | About 1 day | Existing revenue · Personal guarantee |
| Bluevine Line of credit |
Online lines of credit & term loans | About 2 days | Existing revenue · Personal guarantee |
| OnDeck Term loan & line of credit |
Online lines of credit & term loans | About 2 days | Existing revenue · Personal guarantee |
| Lendio Small-business loan marketplace |
Capital marketplaces | About 1 week | Existing revenue · Personal guarantee |
| Arc Capital marketplace |
Capital marketplaces | About 2 weeks | Existing revenue |
| SBA Express Via participating banks |
SBA & small-business bank loans | About 4 weeks | Existing revenue · Personal guarantee |
| Wells Fargo Small-business lines & term loans |
Traditional bank loans & lines | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
| Chase Business lines of credit & term loans |
Traditional bank loans & lines | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
See which of these you qualify for
The short answer is the market. Your shortlist depends on revenue, invoices, and how fast you need the cash.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.