Know your business financing options.

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Navigating the variety of financing options for your business can be confusing. Here’s a list of the most common choices which should help you find the best loan or credit line for your business. Click on any business financing option to learn more.

Financing Types Loan Amounts Interest Rates Repayment Amounts Turnaround Time Credit Criteria
SBA Loan
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$50,000 – $5 million 6% – 13% 5 – 25 years 30 days – 6 months Usually requires a minimum business credit score (FICO SBSS)
Traditional
Bank Loan
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$250,000 + 5% – 10% 1 – 20 years 2 – 4 months Usually requires strong personal and/or business credit scores
Non-Bank,
Online Loan
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$25,000 – $500,000 7% – 30% 1 – 5 years 2 – 7 days Less important, but still a main factor*
Micro-Loan
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$500 – $50,000 8% – 15% 1 -5 years 1 – 3+ months Less important, but still a main factor*
Merchant
Cash Advance
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$200 – $250,000 15% – 150% 3 – 12 months 1 – 7 days Typically not required*
Cash Flow
Loan
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$200 – $100,000 25% – 90% 6 – 12 months Minutes – 3 days Less important, but still a factor*
Business
Credit Cards
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$250 – $25,000 13% - 25% 30 days 1 – 3 weeks Personal and/or business credit are a main factor.

*Your credit line or loan amount and rate will be based on an ongoing assessment of your business. The lender may require you grant access to your online checking account, accounting system, or POS system to assist in this process. You may also be required to allow the creditor to make daily or weekly withdrawals from your business checking account in order to repay the loan.

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