Fast, algorithmic small-business credit lines and short term loans.
Small, short working-capital gaps you need filled in days.
Expensive APRs, frequent payments, personal guarantee.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your cash flow & founders |
| Collateral | General lien + personal guarantee |
| How you repay | Weekly or monthly fixed |
| Dilution | None |
| Typical pricing | About 8–60% a year (flat fee or APR) |
| Typical time to cash | About 1 day to about 2 days |
| Good for | Working capital |
Online lines of credit & term loans 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 |
|---|---|---|---|---|---|
| Fundbox Line of credit |
Rates shown to approved members estimated |
About 1 day | Up to $150K | Existing revenue · Personal guarantee | US |
| Bluevine Line of credit |
Rates shown to approved members reported |
About 2 days | Up to $250K | Existing revenue · Personal guarantee | US |
| OnDeck Term loan & line of credit |
Rates shown to approved members estimated |
About 2 days | Up to $250K | Existing revenue · Personal guarantee | US |
Head-to-head comparisons
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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.