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      January 18, 2020

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Business Loans

  1. Funding Circle
  2. LendingClub
  3. LendingTree
  4. Kabbage
  5. Balboa Capital
  6. Nat Business Capital
  7. CAN Capital
  8. Advanced Comm Capital
  9. Capital Loan Hub

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Best Business Loans Better Business Bureau Reliability Seal

Best Business Loans

With all the difficulties in today's economy, many people are choosing to open their own business instead of working for a traditional employer. Whether you're just starting your business, expanding your already-established business, or even hanging out a shingle as an online company, it's likely that at some point you'll need a business loan to successfully meet your customer's needs and your business goals.

In the past, small business owners relied heavily on traditional brick-and-mortar banks in order to finance their business loans. Often that meant that borrowers had to rely on their own reputation and relationship with their local bank. Getting the lowest possible interest rate was also more challenging, since there were few lending options from which to choose.

Continue reading below reviews

Best Reviews


2020

Business Loan Reviews

5 stars
On Deck

ON DECKTopConsumerReviews.com Best-In-Class Blue Ribbon Award

In business since 2007, OnDeck specializes in providing short- and long-term business loans and lines of credit, and has helped more than 50,000 small businesses access the funds they need to grow. For businesses looking to borrow funds with extremely competitive rates, OnDeck is an excellent choice. They earn our highest rating.

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4.5 stars
Funding Circle

FUNDING CIRCLE

Started by small business owners in response to their own frustrations with securing business loans to grow their company, Funding Circle uses peer-to-peer lending to fund small business loans. With no hidden fees, clear interest rates, and an A+ rating as an accredited business with the Better Business Bureau, Funding Circle is a great choice for people seeking business loans.

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4.5 stars
LendingClub

LENDINGCLUB

LendingClub is a trusted lender for those seeking business loans from $5,000 to $300,000. With very competitive interest rates and an uncomplicated application process, LendingClub is an excellent choice for business owners who need a loan to grow their company.

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4 stars
LendingTree

LENDINGTREE

For business owners who want to see a number of possible loan sources in one place, LendingTree is a good site to use. They also offer helpful information about different types of loans: what purpose they serve, the positives and negatives of each loan type, and so on. LendingTree is not a lender but provides business owners a list of legitimate companies willing to lend money saving people significant time and effort in the process of borrowing money.

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4 stars
Kabbage

KABBAGE

Kabbage uses a unique verification system for businesses looking to qualify for a business loan, making the application process incredibly quick and access to funds almost immediate. While their requirements make them unsuitable for startups, and their total loan amount is smaller than some other lenders, their low fees of 12% or less make them an attractive option for established businesses that need a business loan.

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3.5 stars
Balboa Capital

BALBOA CAPITAL

Serving customers since 1998, California-based Balboa Capital has funded nearly $5 billion in financing solutions since its inception. Though some borrowers have expressed frustration with fees and other fine-print items, Balboa's A+ rating with the Better Business Bureau and established history make them a company to consider when looking for a business loan.

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3.5 stars
National Business Capital

NATIONAL BUSINESS CAPITAL

National Business Capital provides financing to businesses in a variety of industries and credit histories, specializing in helping those who have previously been turned down by banks and other lenders. They maintain an A+ rating with the Better Business Bureau and have a number of convincing testimonials on their website. Information on their loan terms is hard to come by, and we'd like to see more details with respect to loan amounts, eligibility requirements, and interest rates.

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3 stars
CAN Capital

CAN CAPITAL

Georgia-based CAN Capital has been providing business loans for nearly 20 years and maintains a perfect A+ rating with the Better Business Bureau. However, interest rates aren't readily available, and our research indicates that they may be as high as 85%. We recommend that prospective borrowers make sure to calculate their APR before making a commitment to borrow from CAN Capital.

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2.5 stars
Advanced Commercial Capital

ADVANCED COMMERCIAL CAPITAL

Advanced Commercial Capital is based in St. George, Utah and specializes in a particular type of business loan commonly known as factoring, in which a business sells its outstanding accounts receivable to a financial institution (a "factor") in order to get cash immediately. While this type of business loan may work for some established businesses, especially those with a physical inventory, Advanced Commercial Capital may not meet the needs of other types of businesses, including startups.

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1 star
Capital Loan Hub

CAPITAL LOAN HUB

Most US-based businesses are likely to feel uncomfortable attempting to secure a loan through Capital Loan Hub. Based in the Caribbean and with no contact information other than an email address and online contact form, Capital Loan Hub serves merely as a referral service to other lenders and doesn't provide direct funding to businesses. We recommend that you consider one of the proven, trustworthy lenders that rank higher in our reviews.

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Continued from above

Fortunately, business owners today can choose among many lenders to find the best terms and interest rates available. In addition to the old local options, small business borrowers now have much more and better choices through various lenders on the Internet that specialize in small business loans.

There are many factors that you should consider before selecting a lender for your business loan. Some of these include:

  • Loan size and rate. How much will you be allowed to borrow? What interest rates do they typically offer on loans of that size?
  • Loan application process. When applying for your business loan, can it be completed online? Is the lending process easy and straightforward?
  • Requirements for business history. Can a brand-new business take out a loan, or is there a minimum time that the business must have been in operation in order to qualify? What other verification and/or collateral is required to secure the loan?
  • BBB rating. Does the lender have an established history of good business practices?

TopConsumerReviews.com has reviewed and ranked the best Business Loan programs available today. We hope this information helps you find the best loan for your small business at an affordable rate!

How My $5,000 Student Loan Became a Multi-Million Dollar Business

Before I tell this story, I want to say up front that I used the student loan mentioned to pay tuition. Taking this into consideration, let me detail how that monetary sum lead to a multi-million ...

Published:  Fri, 17 Jan 2020 06:30:00 GMT



3 Great Ways To Fund Your Business Without An SBA Loan In 2020

Small businesses are flourishing and 2020 looks to be another year of growth. Find out some of the best alternatives to SBA loans for funding your business in the new year.

Published:  Mon, 13 Jan 2020 06:34:00 GMT



Pontiac-based United Shore could steal No. 1 ranking from Quicken Loans

Two Michigan-based mortgage giants are competing in a key segment of the lending market. Pontiac's United Shore Financial Services wants to win.

Published:  Fri, 17 Jan 2020 10:32:00 GMT



I.R.S. Exempts Some Forgiven Student Loans From Taxes

Borrowers whose schools abruptly shut down or used misleading practices won't have to pay taxes on their forgiven balances. In a decision that will bring relief to tens of thousands of student loan ...

Published:  Thu, 16 Jan 2020 14:00:00 GMT



Robust Loan Growth Continues To Feed The First Republic Growth Machine

Loan originations point to healthy pipelines for single-family and multi-family lending, but the business lending franchise is still lagging. It's likely going to take a much weaker macro environment ...

Published:  Fri, 17 Jan 2020 06:42:00 GMT



Report: Black business owners are denied bank loans twice as often as white business owners

Black business owners are routinely denied bank loans, even if they have good credit scores and consistent annual profits. More than any other racial group,Black entrepreneurs more frequently hear "no ...

Published:  Wed, 15 Jan 2020 14:58:00 GMT



Global Small Business Loan Industry Analysis 2020, Market Growth, Trends, Opportunities Forecast To 2025

A New Market Study, titled “Small Business Loan Market Upcoming Trends, Growth Drivers and Challenges” has been featured on WiseGuyReports. This report provides in depth study of ...

Published:  Thu, 09 Jan 2020 01:14:00 GMT



Best Small Business Loans of 2020

We scoured the latest data and reviews to bring you lenders with the most favorable terms, transparent fees, strong ratings and more.

Published:  Thu, 16 Jan 2020 12:12:12 GMT



Starling Debuts Unsecured Business Loans, Ups Overdraft Limits

U.K. challenger bank Starling Bank continues to revamp its small business lending strategy with the launch of proprietary SMB loan services, the company announced on Monday (Jan. 13). An announcement ...

Published:  Mon, 13 Jan 2020 12:17:00 GMT



This Loan Program From the SBA Can Help Fuel Your Business in 2020

If you are wrestling with these decisions, you should strongly consider the Small Business Administration's 504 loan program. This loan program is designed to give small businesses an additional means ...

Published:  Wed, 08 Jan 2020 09:03:00 GMT



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