13 ways to get the money
Sorted by speed when pricing is members-only. Open a provider for requirements, or compare two of them head to head.
| Provider | What it is | Estimated as of today | Time to cash | Requirements |
|---|---|---|---|---|
| Fundbox Line of credit |
Online lines of credit & term loans | Rates shown to approved members | About 1 day | Existing revenue · Personal guarantee |
| Bluevine Line of credit |
Online lines of credit & term loans | Rates shown to approved members | About 2 days | Existing revenue · Personal guarantee |
| OnDeck Term loan & line of credit |
Online lines of credit & term loans | Rates shown to approved members | About 2 days | Existing revenue · Personal guarantee |
| Lendio Small-business loan marketplace |
Capital marketplaces | Rates shown to approved members | About 1 week | Existing revenue · Personal guarantee |
| Arc Capital marketplace |
Capital marketplaces | Rates shown to approved members | About 2 weeks | Existing revenue |
| SBA Express Via participating banks |
SBA & small-business bank loans | Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee |
| Wells Fargo Small-business lines & term loans |
Traditional bank loans & lines | Rates shown to approved members | 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 | Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
| Bank of America Small-business credit lines & loans |
Traditional bank loans & lines | Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
| U.S. Bank Small-business loans & lines |
Traditional bank loans & lines | Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
| Live Oak Bank SBA & small-business loans |
SBA & small-business bank loans | Rates shown to approved members | About 6 weeks | Existing revenue · Personal guarantee |
| Credit unions & community banks Local business loans & lines |
Traditional bank loans & lines | Rates shown to approved members | About 6 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
| SBA 7(a) loan Via participating banks |
SBA & small-business bank loans | Rates shown to approved members | About 2 months | Existing revenue · Personal guarantee |
Questions people ask
How do I get a business loan?
Describe the amount, your revenue, and when you need the money. B2B Agent checks 84 lenders, investors, and programs and keeps the business loans, SBA loans, and lines of credit you can qualify for. The fastest on this page: Fundbox (about 1 day); Bluevine (about 2 days); OnDeck (about 2 days); Lendio (about 1 week).
What is the difference between an SBA loan and an online business loan?
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.
Which business loan is fastest?
The shortest typical times to cash on this page are Fundbox (about 1 day); Bluevine (about 2 days); OnDeck (about 2 days); Lendio (about 1 week). Faster is not the same as cheaper. Rank every option for your company in the funding calculator.
Rank these for your company
Tell us the amount, your revenue, and when you need the cash. Offers you cannot get are dropped.
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.