Compare Business Loans
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Business funding resource
Compare Business Funding Options
Review working capital loans, lines of credit, business credit cards, SBA-backed options, and equipment financing.
Compare business loans
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Business financing should match the business need, repayment ability, and timing. A short-term working-capital product, a business credit card, an SBA-backed loan, and an equipment loan can all serve different purposes.
Funding types to compare
- Term loan: Lump-sum funding repaid over a set term.
- Line of credit: Flexible access to funds up to a limit.
- Equipment financing: Funding tied to equipment purchases.
- SBA-backed loan: Loans made by participating lenders with SBA support.
- Business credit card: Revolving credit for smaller, short-term expenses.
- Invoice financing: Funding based on unpaid invoices.
Cost factors
Compare APR or total cost, payment frequency, origination fees, draw fees, prepayment rules, collateral, personal guarantee requirements, and renewal pressure. Some business products quote costs differently than consumer loans, so ask for total repayment in dollars.
Readiness checklist
- Know the exact use of funds.
- Estimate how the funding should help revenue or stability.
- Prepare bank statements and revenue records.
- Review personal and business credit.
- Compare multiple options before signing.
Sources reviewed: SBA loans page, SBA microloan information, and USA.gov business startup resources.
