Business lines of credit and term loans from national banks, community banks, and credit unions, priced off the Prime rate.
Established, profitable businesses with a few years of financials that want cheap, flexible credit.
Usually needs 2+ years in business, profits, collateral, and a personal guarantee. Few startups qualify early.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your profits, history & collateral |
| Collateral | Business assets + personal guarantee |
| How you repay | Fixed monthly or revolving |
| Dilution | None |
| Typical pricing | About 8.5–13% a year (flat fee or APR) plus fees and warrants for some lenders |
| Typical time to cash | About 4 weeks to about 6 weeks |
| Good for | Working capital · Growth spend |
Traditional bank loans & lines providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| Wells Fargo Small-business lines & term loans |
Rates shown to approved members estimated |
About 4 weeks | Varies | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | US |
| Chase Business lines of credit & term loans |
Rates shown to approved members estimated |
About 4 weeks | Varies | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | US |
| Bank of America Small-business credit lines & loans |
Rates shown to approved members estimated |
About 4 weeks | Varies | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | US |
| U.S. Bank Small-business loans & lines |
Rates shown to approved members estimated |
About 4 weeks | Varies | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | US |
| Credit unions & community banks Local business loans & lines |
Rates shown to approved members estimated |
About 6 weeks | Varies | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | US |
Is traditional bank loans & lines right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
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.