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Business Loans Line of Credit SBA Reviews Articles

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

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.

August 18, 2025

Lendzi In-Depth Review

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.

August 18, 2025

OnDeck In-Depth Review

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 $250,000 and have repayment options up to 24 months, while lines of credit extend up to $200,000 on revolving 12-month terms.

August 18, 2025

Lendio In-Depth Review

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.

August 18, 2025

LendingTree In-Depth Review

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.

August 18, 2025

Fundera In-Depth Review

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.

August 18, 2025

FAQs About Working Capital Loans

What is the easiest way to get a working capital loan?

Online lenders typically offer the fastest and simplest process, with fewer documents and funding in as little as 24 hours.

Can I get a working capital loan with bad credit?

Yes, but options may be limited. Expect higher rates or the need for collateral. Merchant cash advances or invoice financing may be more accessible for bad credit borrowers.

How much working capital do I need for a small business?

Working capital needs vary based on monthly expenses. A common benchmark is 1 to 3 months of operating costs as a buffer.

What is the difference between working capital and business credit?

Working capital measures liquidity, and business credit is your borrowing reputation. Both influence your financing options.

Are working capital loans good for startups?

Startups under six months old may struggle to qualify. Consider alternative funding, such as grants, invoice factoring, or equipment leasing if you're a newer company.

Do working capital loans affect my credit score?

Yes, especially if the loan is personally guaranteed or reported to credit bureaus. Late payments can negatively impact scores.

Can I use working capital funding for marketing or hiring?

Yes. Many businesses use these funds for growth initiatives like advertising, new hires, or seasonal expansion.

What are the pros and cons of merchant cash advances?

Pros: Fast access, no fixed payments.
Cons: High cost, daily deductions, potential cash flow strain.

Our Top 3 Picks

Biz2Credit

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Lendzi

Read Review

OnDeck

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