CreditClub.comCreditClub.com

Marketplace

Max Loan Amount

$5,000,000

Est. APR

11.5 - 15%

Max Loan Term

25 Years

Min. Credit Score

650

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U.S. Small Business Administration SBA loans Features

Loans are issued by private lenders and backed by the SBA. They offer long repayment terms and low interest rates.

Pros

  • Large borrowing maximums.
  • Interest rates are capped.
  • Long repayment terms available.
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Max Loan Amount

$3,000,000

Est. APR

Varies

Max Loan Term

Varies

Min. Credit Score

640

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Max Loan Amount

$250,000

Est. APR

20 - 50%

Max Loan Term

6 Months

Min. Credit Score

625

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Bluevine Features

OnDeck offers a fast term loan for small-business owners with less-than-stellar credit who want to expand.

Pros

  • Cash can be available within the same business day.
  • Accepts borrowers with a minimum credit score of 625.
  • Streamlined application process with minimal documentation required.
  • Can be used to build business credit.
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Max Loan Amount

$150,000

Est. APR

8.49 - 24.99%

Max Loan Term

5 Years

Min. Credit Score

600

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National Funding Features

Borrowers who can't qualify for more traditional loan options might consider National Funding for fast access to capital.

Pros

  • Funding in as little as 24 hours.
  • Prepayment discounts available.
  • Offers loans to startups and borrowers with bad credit.
  • No collateral or down payment required.
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Max Loan Amount

$1,500,000

Est. APR

6.98 - 19.97%

Max Loan Term

18 Months

Min. Credit Score

570

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Fora Financial Features

Fora Financial, a New York-based online lender, offers access to small-business loans and merchant cash advances. Fora Financial may be a good fit for businesses looking for short-term working capital, as well as those that can’t qualify for traditional bank financing.

Pros

  • Cash can be available quickly.
  • Get a discount for prepaying.
  • No collateral required.
  • Low minimum credit score requirement.
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Max Loan Amount

$150,000

Est. APR

36 - 99%

Max Loan Term

6 Months

Min. Credit Score

600

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Fundbox Features

Fundbox offers a business line of credit to fill a cash flow gap, and qualifying is easier than with other lenders.

Pros

  • Financing available within one business day after approval.
  • Simple application with minimal documentation required.
  • Startup-friendly — accepts borrowers with a minimum of six months in business.
  • Low minimum credit score requirement.
  • No prepayment penalties, account maintenance fees or inactivity fees.
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