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The Ultimate Guide to Small-Business Loans

Successfully building a small business doesn’t require you to be an expert in small-business financing, but you should understand your options and choose the one best suited for your business needs. Our ultimate guide will help you do both.

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Popular Lenders
Lender Reviews
Loan Calculators
Loan Fundamentals
Startup Resources
Growth Resources

Find the Best Lender

Lendio, Fundera, and Funding Circle offer some of the best small business loans
Chloe Goodshore
By
Chloe Goodshore
11/11/2023
Best Small Business Loans
Best Crowdfunding Sites for Startups
Sarah Ryther Francom
01/12/2023
Best Crowdfunding for Startups 2023: How to Fund Your Small Business
Lendio, BlueVine, and Fundbox offer some of the best small business loans for women
Chloe Goodshore
11/11/2023
10 Best Small-Business Loans for Women in 2023
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Chloe Goodshore
12/05/2022
Best Commercial Real Estate Loans 2023
person-holding-up-open-sign-on-abstract-background
Chloe Goodshore
11/11/2023
The 5 Best Startup Business Loans of 2023

Read Lender Reviews

Compare Top Loan Options

A young woman of color sits on a couch and types into a laptop while holding cash
By
Chloe Goodshore
02/01/2023
Bluevine vs. Fundbox 2023
Fundbox and Bluevine may both be alternative lenders offering lines of credit, but they have...
Feature image of a young black businessman shaking hands with a woman across a desk
By
Chloe Goodshore
02/01/2023
Fundera vs. Lendio
Fundera and Lendio are two great lending marketplaces with a lot in common―including their ability...
Featured image of a white woman in a blue tank top pumping her fist and cheering as she reads good news on her laptop
By
Chloe Goodshore
02/01/2023
Kabbage vs. Fundera: How this Lender and Lending Marketplace Compare
Are Kabbage’s fast funds or Fundera’s many choices better for your business financing needs? Most...
A young woman is working in a bright office
By
Chloe Goodshore
07/10/2022
Square Capital vs. PayPal Working Capital vs. Stripe Capital
We break down what’s great about these payment processing lenders—and what’s not-so-great. In the past...

Business.org’s Business Loan Calculators

Does a small-business loan make sense for your business? Our loan calculator helps you identify the total cost of a small-business loan so you can make an informed decision.
happy couple working with woman wearing glasses going over paperwork
By
Chloe Goodshore
12/06/2022
Business Loan Calculator
Applying for a small business loan? Calculate the true cost of your loan with Business.org’s...
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By
Chloe Goodshore
12/05/2022
Commercial Loan Calculator
Let a commercial real estate loan calculator do the math on how much that loan...
woman getting hair washed at salon using cell phone
By
Chloe Goodshore
08/01/2023
SBA Business Loan Calculator: Estimate Your SBA Term Loan Costs
Find out how much your SBA loan will cost you with our SBA business loan...

Small-Business Loans: What You Need to Know

6 Most Important Business Loan Requirements
03/24/2023
two-woman-negotiating-business-loan
How to Get a Small Business Loan in 7 Simple Steps
03/28/2023
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Types of Commercial Loans for Real Estate and Beyond
02/24/2023
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How to Get a Commercial Real Estate Loan
12/06/2022
The Types of SBA Business Loans Explained
12/05/2022
Businessmen applying for SBA loans
Breaking Down Business Startup Costs: What to Expect
05/18/2023
Business owner looking at tablet
Types of Startup Business Loans
06/27/2022
How Long Does It Take To Get a Business Loan?
12/06/2022
person with pink hair using laptop in office

Financing Your Startup

person-holding-up-open-sign-on-abstract-background
Chloe Goodshore
By
Chloe Goodshore
11/11/2023
The 5 Best Startup Business Loans of 2023
Best Crowdfunding Sites for Startups
Sarah Ryther Francom
01/12/2023
Best Crowdfunding for Startups 2023: How to Fund Your Small Business
best start up loans for bad credit screen on desktop
Sarah Ryther Francom
12/06/2022
10 Best Startups Loans for Bad Credit in 2023
Sarah Ryther Francom
06/27/2022
Types of Startup Business Loans
woman using computer and referencing sheet of paper
By
Sarah Ryther Francom
12/06/2022
How to Get a Startup Business Loan
Lean how to get a startup business loan in 6 easy steps. Play Video Learning...
woman using credit card on abstract background
By
Chloe Goodshore
12/06/2022
Best Startup Business Line of Credit 2023
After looking at dozens of business lenders, we found the best ones that offer business...
By
Christa Baxter
05/21/2023
6 Ways to Self-Finance Your Business
Even if you have a great business idea, it is unlikely to succeed without solid...
Business owner looking at tablet
By
Sarah Ryther Francom
05/18/2023
Breaking Down Business Startup Costs: What to Expect
When starting a business, it can be tough to estimate all the costs. We researched...
Explore All Startup Content

Financing with Bad or No Credit

7 Vendors that Help Build Business Credit 2023
12/06/2022
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5 Best Business Loans for Bad Credit in 2023
02/08/2023
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Best Small-Business Loans with No Credit Check 2023
12/05/2022
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People in office shaking hands
By
Sarah Ryther Francom
05/09/2022
Understanding Business Credit
If you’re unsure about how business credit works and what makes it different from personal...
happy business owner with good business credit
By
Chloe Goodshore
03/29/2023
How to Build Business Credit: 5 Steps for Improving Your Business Credit Score
With a strong business credit profile, you can qualify for better business financing options. While...
business woman looking at her personal credit score
By
Bill Frost
09/07/2022
How Credit Scores Affect Small-Business Loans
Don’t know your FICO score? Learn it, then live it: Business.org navigates the numbers and...
small business owner with bad credit
By
Sarah Ryther Francom
09/03/2022
How to Finance Your Business with Bad Credit
A low personal credit score doesn't have to keep you from getting small-business funding. So...

Commercial Real Estate Loans

line of stores on abstract background
Chloe Goodshore
By
Chloe Goodshore
12/05/2022
Best Commercial Real Estate Loans 2023
Chloe Goodshore
12/06/2022
How to Get a Commercial Real Estate Loan
photographer-in-studio-taking-images-of-food
Bill Frost
08/29/2022
Commercial Real Estate Loan Rates
Commercial real estate brokers
Chloe Goodshore
07/01/2022
Commercial Bridge Loans: A Stopgap Real Estate Financing Solution
Two Business People Calculating Finances
Chloe Goodshore
09/12/2022
What Is a Commercial Loan?
Explore All Growth Content

SBA Loans

The Types of SBA Business Loans Explained
12/05/2022
Businessmen applying for SBA loans
SBA Loan Rates Explained
11/23/2022
Businesswomen getting SBA business loan
How to Get an SBA Loan
05/17/2022
Business owner doing the books
How to Get an SBA Disaster Loan
06/30/2022
Illustrative image of a man and woman checking inventory levels in a warehouse.
A Guide to SBA 7(a) Loans
12/07/2022
A Guide to SBA 7(a) Loans
A Guide to SBA 504 Loans
01/03/2023
man shakes loan officer's hand
SBA Express Loan Requirements & How they Work
06/30/2022
woman getting loan
SBA Business Loan Calculator: Estimate Your SBA Term Loan Costs
08/01/2023
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Latest Small-Business Loan Resources

Funding Circle vs LendingClub Loans
Funding Circle vs. LendingClub 2023
Chloe Goodshore|December 14, 2022
Curious about how business loans from Funding Circle and LendingClub stack up? We compare loan...
OnDeck vs. Bluevine Loans
OnDeck vs. Bluevine Loans 2023
Chloe Goodshore|December 14, 2022
We scored these two online lenders on their loan costs, borrower requirements, and other important...
How to Get USDA Business Loans: Working Capital for Rural Businesses
8 Best Agriculture Business Loans 2023
Chloe Goodshore|December 14, 2022
Need a loan for your farm, ranch, vineyard, or other agriculture business? Business.org rounds up...
How to Get USDA Business Loans: Working Capital for Rural Businesses
Sarah Ryther Francom|December 14, 2022
How to Get USDA Business Loans: Working Capital for Rural Businesses
Read More
Chloe Goodshore|December 14, 2022
Patreon Review 2023
Read More
Chloe Goodshore|December 14, 2022
Bluevine vs. Kabbage Loans 2023
Read More
money exchange between hands
Chloe Goodshore|December 14, 2022
8 Best Low-Interest Small-Business Loans 2023
Read More
Chloe Goodshore|December 14, 2022
Best Medical Practice Loans for Dentists, Doctors, Optometrists, and Vets 2023
Read More
loan paperwork
Chloe Goodshore|December 13, 2022
US Bank Loans Review 2023
Read More
Chloe Goodshore|December 13, 2022
SmartBiz vs. National Business Capital 2023
Read More
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Disclaimer: The information featured in this article is based on our best estimates of pricing, package details, contract stipulations, and service available at the time of writing. All information is subject to change. Pricing will vary based on various factors, including, but not limited to, the customer’s location, package chosen, added features and equipment, the purchaser’s credit score, etc. For the most accurate information, please ask your customer service representative. Clarify all fees and contract details before signing a contract or finalizing your purchase.

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