How long does approval take for business loans?

SBA loans may take 60 to 90 days to process, whereas online business lenders can provide funding in 24 to 48 hours.

Can I consolidate business loans?

Yes, using a business consolidation loan or line of credit can simplify payments and reduce APR.

Where can I get a business loan fast?

Look to reputable online lenders, peer-to-peer platforms, or aggregator tools offering quick approvals.

What’s APR vs interest rate?

APR includes interest plus fees over a year in order to reflect the total borrowing cost.

Can veterans or women business owners get special loans?

Specialized loans from the SBA and community-based lenders provide funding for veterans and women-owned companies.

How can I qualify for start-up loans for a business with no revenue?

Apply for business loans that require a personal guarantee. This means you put your personal credit and finances on the line, but it increases your chances of getting funding without business revenue.

Can I get a no-doc business loan or a no-credit-check loan?

Options exist via merchant cash advances or factoring, but APRs are high, and terms may be strict.

Reviews | Best Business Loans February 2026

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Business Loans Reviews

We've reviewed the top business loans companies to help you make the best decision for your business loans needs.

Business Loans Reviews

We've reviewed the top business loans companies to help you make the best decision for your business loans needs.

Business Loans Reviews

Biz2Credit In-Depth Review

August 18, 2025

Founded in 2007 by Rohit and Ramit Arora, Biz2Credit operates from New York (and Noida, India), serving small businesses across the United States with fintech-enabled financing tools. Leveraging advanced analytics, it delivers rapid, tailored funding experiences. Over the years, the platform has facilitated more than $8 billion in capital across over 200,000 businesses, earning the company a 4.7-star rating on Trustpilot. This scale, combined with proprietary financial tools like the BizAnalyzer®, reflects Biz2Credit’s evolving approach to data-driven business lending.

Lendio In-Depth Review

August 18, 2025

Lendio, founded in 2011, is a fintech marketplace that connects U.S. small businesses with over 75 vetted lenders, banks, credit unions, and online funders through a single application. As of 2025, it has facilitated over $16 billion in funding and served more than 400,000 businesses. Lendio doesn’t issue loans directly; instead, once a borrower completes a brief online application that typically involves a soft credit check, they are matched with lending options across a spectrum of loan types. This model is designed to simplify the borrowing journey by eliminating repeated applications to multiple lenders.

SoFi Small Business Loans Review

<span>SoFi Small Business Loans</span> Review

July 19, 2023

SoFi’s Small Business Loans offering isn’t a direct lending product but a lending marketplace that connects borrowers to curated third-party lenders. Small business owners can compare loan types, terms up to 25 years, and amounts up to $2 million, including SBA loans. The process includes a soft credit check and potential same-day funding, offering flexible, fast, and informative borrowing options for a range of business needs.

Fundera In-Depth Review

August 18, 2025

Fundera, founded in 2013 and acquired by NerdWallet in 2020, is an online business loan marketplace designed to simplify small business financing. Unlike traditional lenders, Fundera doesn’t originate loans but connects users with its curated network of over 25 lending partners. Businesses can access a variety of financing options, including term loans, SBA loans, merchant cash advances, invoice financing, and business lines of credit. With a focus on transparency and support, Fundera enables business owners to compare pre-qualified loan offers in one place through a single, soft-credit-check application.

Fora Financal In-Depth Review

<span>Fora Financal</span> In-Depth Review

August 18, 2025

Founded in 2008 as Paramount Merchant Funding, Fora Financial has evolved into a direct lender, providing over $4 billion to more than 55,000 U.S. small businesses. Fora offers two primary financing options: term loans and revenue advances. These solutions are designed for quick working capital access. The application process is digital, and each applicant receives guidance from a dedicated Capital Specialist. This lender is especially well-suited for businesses that may not meet traditional bank requirements. With minimal paperwork and quick turnaround, Fora simplifies the path to business financing.

OnDeck In-Depth Review

August 18, 2025

OnDeck is a U.S.-based online lender founded in 2006 and now operating under Enova International. It specializes in small business financing and offers two primary products: term loans and business lines of credit. Term loans range from $5,000 to $400,000 and have repayment options up to 24 months, while lines of credit extend up to $200,000 on revolving 12-month terms.

Lendzi In-Depth Review

August 18, 2025

Lendzi, headquartered in Los Angeles and founded in 2020, is an online loan marketplace that connects U.S. small businesses with a network of over 60 vetted lending partners. Since its inception, it has facilitated more than $500 million in funding for entrepreneurs across the nation. It caters to a broad spectrum of borrowers, including startups, established businesses, and those with less-than-ideal credit, matching them with financing options that suit varied purposes such as working capital, equipment, inventory, payroll, or refinancing.

Advance Funds Capital Network Business Loans Review

<span>Advance Funds Capital Network</span> Business Loans Review

January 08, 2026

Advance Funds Network, founded in 2007, specializes in providing business funding solutions through a broad network of lenders. It is not a direct lender but facilitates matches between business owners and suitable funding sources. The company emphasizes fast and flexible financing, serving all 50 U.S. states. AFN's key strength lies in its product diversity and accessibility. Whether businesses seek merchant cash advances, working capital, or equipment financing, AFN simplifies the process by providing a single point of access to multiple loan types.

Capital Loan Specialist Review

<span>Capital Loan Specialist</span> Review

November 27, 2024

Capital Loan Specialist (CLS) is a U.S.-based business‑loan marketplace for established small businesses. It offers a quick online intake form, decisions in as little as 4 hours, and funding in as little as 24 hours, depending on the lender and product. CLS offers access to multiple financing types, including SBA, term, equipment, merchant, and short-term options, as well as lines of credit, with funding available up to $ 5 million. Actual pricing and timelines vary by lender.

LendingTree In-Depth Review

August 18, 2025

LendingTree, established in 1996 and headquartered in Charlotte, NC, is a prominent U.S. online lending marketplace that connects business owners with a wide network of financing partners. It simplifies borrowing by offering a single secure form that triggers matching with multiple lenders who then provide personalized offers, such as rates, terms, and required documentation. Although LendingTree itself does not fund loans, its platform allows borrowers to compare options, including term loans, SBA loans, lines of credit, equipment financing, merchant cash advances, invoice factoring, and more. Users retain full choice and are under no obligation to accept any offers.

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