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Lender Loan Terms Amount APR range Min. Credit Score
OnDeck Capital Up to 24 months $5,000 to $100,000 Starting at 29.90% APR 650
4 Hour Funding Up to 60 months $5,000 to $250,000 Starting at 8.99% APR 650
Headway Capital Up to 24 months $5,000 to $250,000 Starting at 29.90% APR 650
CAN Capital Up to 24 months $5,000 to $250,000 Starting at 29.90% APR 650
KAPITUS Up to 36 months $5,000 to $500,000 Starting at 29.90% APR 640
Rapid FInance Up to 60 months $5,000 to $1,000,000 Starting at 29.90% APR 650
Rapid FInance Up to 18 months $5,000 to $250,000 Starting at 29.90% APR 650
Rapid FInance Up to 24 months $5,000 to $500,000 Starting at 29.90% APR 650
FORA FInancial Up to 15 months $5,000 to $1,400,000 Starting at 29.90% APR 650
FORA FInancial Up to 15 months $5,000 to $1,400,000 Starting at 29.90% APR 650
IOU Financial Up to 36 months $5,000 to $1,500,000 Simple Interest 620
OnDeck Capital

800lbs gorilla of working capital loan: OnDeck Capital

When it comes to experience, wherewithal and technology, no doubt On Deck is one of the best. Not proven to be the most efficient lenders, it’ consistent and always been transparent. Furthermore, when it come to terms ranging from a few months to two years, On Deck is competitive the most lenient in their credit underwriter with online checkout allows you to receive funds within hours. On Deck is suitable for a reliable working capital funding source. With a prompt return on to funding upon hitting 50% paid down threshold, you will have access to quick capital predictably without a hassle. On Deck offers term loans and lines of credit.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $100,000
Term (months) Up to 24 months
Min. credit score 650
Origination Fee(s) Maximum origination fee of 2.5%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • First position lender (No stacking allowed)
  • Transparent rates
  • Repayment terms between 3 to 24 months
  • Loan amounts between $5,000 to $250,000
  • Same day approval and funding
  • Easy online checkout for instant funding
  • Friendly merchant portal
  • $150,000 annual revenue required.
  • Open merchant cash advance payoff available
  • Healthy bank balances
  • Early payoff discount
  • Renewal eligibility

Why OnDeck Capital is a good lender?

OnDeck, known as the 800-pound gorilla in the room, has a reputation for having lenient approval criteria. This makes their short-term loans a potential solution for businesses requiring additional working capital to grow and support small businesses nationwide, whether it\'s to address cash flow gaps or unexpected expenses, payroll, or inventory, OnDeck can provide up to $250,000 promptly including lines of credit and term loan at the same time.

4 Hour Funding

Equipment Financing Lender

Equipment financing has not changed much in the last 25 years. The credit applications take one day for approvals, contract delivery occurs on day two, documents are returned on day three, and finally funding occurs on the fourth day at best! This slow process hinders the ability to close. 4HourFunding.com is specifically designed to eliminate the archaic processes that continually slow the application-to-funding process. If needed, a customer can apply, sign the documents, and have their Vendors paid in less than 4 hours!

APR range Starting at 8.99% APR
Loan Amount $5,000 to $250,000
Term (months) Up to 60 months
Min. credit score 650
Origination Fee(s) Varies
Bank Averages Bank Balance
Time to funding Within hours upon approval
  • New and established business
  • 100% Prefunding
  • Approvals In Less Than 2 Hours
  • Approval To Funding In Less than 4 Hours
  • Electronic Documents (can be signed on smartphone)
  • Vendors Paid in 4 Hours
  • New Medical Programs Available
  • Titled Vehicle Financing Allowed
  • Application-Only to $200,000
  • No Pre-Payment Penalty Contract
  • Deferral Payment Programs
  • 72-Month Financing
  • Competitive Rates
  • Minimum Credit Score 590 FICO
  • Equipment Size Minimum $5,000 to maximum $200,000
  • Available Terms 24 to 60 months
  • Bank Statements Required over $50,000
  • Geographical Limits We do business in every state.
  • Site Inspections Required on all transactions above $75,000
  • Partial Industry Restrictions -
  • Tanning & fitness industries are restricted to $35,000 max.
  • Restaurants are limited to $50,000 max.
  • Transaction Restrictions: Refinancing, sale-leasebacks, and private party sales.
  • No Advanced Payments Needed Under $35,000
  • No Insurance is Required at the Funding
  • No Verbal Verifications Required
  • No Driver’s License Required

Why 4 Hour Funding is a good lender?

4HourFunding.com combines efficient application processing/decisioning along with eliminating redundant funding processes. Approvals usually happen in under 120 minutes, and documents arrive in the customer’s email in minutes. Documents are signed on their cell phone or computer using e-signature technology, and completing the document signing triggers funding.

Headway Capital

Headway Capital is the top rate small business line of credit lender.

When it comes to experience, wherewithal, and technology, no doubt On Deck and Headway are among the best. One of the best. Proven to be the most efficient lender, it’s consistent and has always been transparent. Furthermore, when hitting two years in business you are the sweet spot. Credit underwriter with online checkout allowing you to receive funds within hours. You will have access to quick capital predictably without a hassle. Headway Capital can offer you Line of credit while On Deck Capital offers term loans and lines of credit.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $250,000
Term (months) Up to 24 months
Min. credit score 650
Origination Fee(s) Maximum origination fee of 2.5%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • First position lender (No stacking allowed)
  • Transparent rates
  • Monthly payment & easy to qualify
  • Payment terms between 3 to 24 months
  • Loan amounts between $5,000 to $250,000
  • Draw available funds anytime
  • The credit line replenishes upon payment
  • No early payoff penalty
  • Friendly merchant portal
  • $150,000 annual revenue required.
  • Open merchant cash advance payoff available
  • Healthy bank balances
  • Early payoff discount
  • Renewal eligibility
  • No multiple MCA\'s (merchant cash advance)

Why Headway Capital is a good lender?

The combination of OnDeck and Headway Capital has the potential to be even stronger. This is particularly evident in the realm of long-term loans, which could become a saving grace for the industry. If there were to be a collapse in the capital lending market could become more restricted, but Headway Capital possesses the necessary resources to weather such a storm. As a publicly traded company on the stock exchange, parent Company ENOVA is well-positioned to navigate any potential challenges.

CAN Capital

The OG of Merchant Cash Advance.

Can Capital is a financial technology company that provides small business loans and merchant cash advances to businesses in the United States, Canada, and Puerto Rico. The company was founded in 1998 and is headquartered in New York City. Can Capital offers several different types of financing products, including small business loans, merchant cash advances, and lines of credit? The company\'s loans and cash advances range in size from $2,500 to $250,000 and are designed to help small businesses access the capital they need to grow and expand their operations.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $250,000
Term (months) Up to 24 months
Min. credit score 650
Origination Fee(s) Maximum origination fee of 2.5%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • Minimum Monthly Deposits 3
  • Bankruptcy > 24 months ago
  • Payoff Rules <=1 Active Competitor Balances/ Net 50% Rule
  • Bank Statements 3 Months =150k
  • UCC Filing $50,000+
  • Open Tax Liens/Judgements <$100,000 or lower based on creditworthiness
  • Renewal Eligibility 50% Repaid
  • Concurrent Contracts Yes, 50k max<=90 days from original funding w/clean
  • pay history
  • FICO 600+
  • Time In Business 3+ Years
  • Term Range 6-24 months
  • Funding Size Up to $250,000 – Single Location
  • Positions 1st Only Lender
  • Payment Frequency Daily & Weekly on all offers
  • Credit Experian – Soft Pull
  • Origination Fee 2.99%

Why CAN Capital is a good lender?

One of the unique aspects of Can Capital\'s lending model is that the company uses a proprietary algorithm to evaluate the creditworthiness of potential borrowers. This algorithm takes into account a variety of factors, such as the borrower\'s credit history, business performance, and industry trends, in order to determine the risk associated with the loan. They\'re one of the few who offer terms up to 24 months for well qualified borrowers.

KAPITUS

One of the oldest Merchant Cash Advance. lenders

Can Capital is a financial technology company that provides small business loans and merchant cash advances to businesses in the United States, Canada, and Puerto Rico. The company was founded in 1998 and is headquartered in New York City. Can Capital offers several different types of financing products, including small business loans, merchant cash advances, and lines of credit? The company\'s loans and cash advances range in size from $2,500 to $250,000 and are designed to help small businesses access the capital they need to grow and expand their operations.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $500,000
Term (months) Up to 36 months
Min. credit score 640
Origination Fee(s) Maximum origination fee of 2.5%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • 1st page of Tax Return >$75k (>$150k for specific criteria)
  • Financials >$150k (> $200k for preferred industries and specific criteria)
  • Payment Frequency Daily & weekly, bi-weekly and monthly for preferred industries
  • Credit Pull Experian (soft pull)
  • Bankruptcy Dismissed > 1 year
  • State Restrictions No sole props in AR and NY
  • UCC Yes for all deals
  • 8821 >$150k (> $200k for preferred industries and specific criteria)
  • Originati on Fee 2.5%
  • Min FICO 640+
  • Term Range 6-36 months
  • Min. TIB 3+ (Specialty Trade - 4+, Trucking/Construction - 5+)
  • Min Ownership 50%
  • Min Annual Sales $120k (or $10k/mo. average)
  • Min Deposits/mo. 5
  • Max NSF’s & Neg. Days/mo. 4
  • Prepay Discount 30% of the remaining interest is forgiven
  • Payoff Rules Must net at least 50%, max of 2 payoffs/$125k
  • - NO payoffs if merchant TIB < 5, only 2nd pos
  • Positi ons 1st and 2nd

Why KAPITUS is a good lender?

One of the unique aspects of Can Capital\'s lending model is that the company uses a proprietary algorithm to evaluate the creditworthiness of potential borrowers. This algorithm takes into account various factors, such as the borrower\'s credit history, business performance, and industry trends, to determine the risk associated with the loan. They\'re one of the few who offer terms up to 24 months for well-qualified borrowers.

Rapid FInance

Business Loan Lender

Rapid Finance is a financial technology company that provides small business financing solutions, including loans, lines of credit, and merchant cash advances. The company was founded in 2005 and is headquartered in Bethesda, Maryland. Rapid Finance specializes in providing financing options to small businesses that may not qualify for traditional bank loans due to credit scores or financial history. The company offers financing options ranging from $5,000 to $ 1 million and works with businesses across a wide range of industries.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $1,000,000
Term (months) Up to 60 months
Min. credit score 650
Origination Fee(s) 0%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • Payoff Rules <=1 Active Competitor Balances/ Net 50% Rule
  • Bank Statements 3 Months =150k
  • Renewal Eligibility 50% Repaid
  • FICO 650+
  • Time In Business 3+ Years
  • Term Range 6-24 months
  • Funding Size Up to $1,000,000 – Single Location
  • Positions 1st Only Lender
  • Payment Frequency Daily & Weekly on all offers
  • Credit Experian – Soft Pull
  • Origination Fee 0%

Why Rapid FInance is a good lender?

Rapid Finance also provides business services such as financial analysis and business consulting. The company has received positive reviews from customers for its fast and easy application process, flexible financing options, and personalized service. Rapid Finance has been recognized as one of the fastest-growing private companies in America by Inc. 5000 and has received several awards for its commitment to customer service and innovation in lending.

Rapid FInance

Line of Credit Lender

Rapid Finance is a financial technology company that provides small business financing solutions, including loans, lines of credit, and merchant cash advances. The company was founded in 2005 and is headquartered in Bethesda, Maryland. Rapid Finance specializes in providing financing options to small businesses that may not qualify for traditional bank loans due to credit scores or financial history. The company offers financing options ranging from $5,000 to $1million and works with businesses across a wide range of industries.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $250,000
Term (months) Up to 18 months
Min. credit score 650
Origination Fee(s) 0%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • Revolving line of credit
  • Bank Statements 3 Months =150k
  • Renewal Eligibility to draw any available funds
  • FICO 650+
  • Time In Business 3+ Years
  • Line of Credit Term Range 6-18 months
  • Funding Size Up to $250,000 – Single Location
  • Positions 1st Only Lender
  • Payment Frequency Daily & Weekly on all offers
  • Credit Experian – Soft Pull
  • Draw Fee 0%

Why Rapid FInance is a good lender?

Rapid Finance also provides business services such as financial analysis and business consulting. The company has received positive reviews from customers for its fast and easy application process, flexible financing options, and personalized service. Rapid Finance has been recognized as one of the fastest-growing private companies in America by Inc. 5000 and has received several awards for its commitment to customer service and innovation in lending.

Rapid FInance

Merchant Cash Advance Lender

Rapid Finance is a financial technology company that provides small business financing solutions, including loans, lines of credit, and merchant cash advances. The company was founded in 2005 and is headquartered in Bethesda, Maryland. Rapid Finance specializes in providing financing options to small businesses that may not qualify for traditional bank loans due to credit scores or financial history. The company offers financing options ranging from $5,000 to $1million and works with businesses across a wide range of industries.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $500,000
Term (months) Up to 24 months
Min. credit score 650
Origination Fee(s) 0%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • Fast application and funding
  • Bank Statements 3 Months =150k
  • Renewal Eligibility to refinance at 50%
  • Credit Card Processing Split
  • ACH Payment
  • FICO 650+
  • Time In Business 3+ Years
  • Line of Credit Term Range 6-18 months
  • Funding Size Up to $500,000 – Single Location
  • Positions 1st Only Lender
  • Payment Frequency Daily & Weekly on all offers
  • Credit Experian – Soft Pull
  • Admin Fee 0%

Why Rapid FInance is a good lender?

Rapid Finance also provides business services such as financial analysis and business consulting. The company has received positive reviews from customers for its fast and easy application process, flexible financing options, and personalized service. Rapid Finance has been recognized as one of the fastest-growing private companies in America by Inc. 5000 and has received several awards for its commitment to customer service and innovation in lending.

FORA FInancial

Merchant Cash Advance Lender

Fora Financial has been recognized as one of the fastest-growing private companies in America by Inc. 5000. It has received several awards for its commitment to customer service and innovation in lending. The company has helped thousands of small businesses grow and expand by providing them the funding they need to achieve their goals.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $1,400,000
Term (months) Up to 15 months
Min. credit score 650
Origination Fee(s) 0%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • Fast application and funding
  • Bank Statements 3 Months =150k
  • Renewal Eligibility to refinance at 50%
  • Credit Card Processing Split
  • ACH Payment
  • FICO 650+
  • Time In Business 3+ Years
  • Revenue-based term Range 6-15 months
  • Funding Size Up to $1,400,000
  • Positions 1st Only Lender
  • Payment Frequency Daily & Weekly on all offers
  • Credit Experian – Soft Pull

Why FORA FInancial is a good lender?

Fora Financial is a financial services company that provides working capital solutions to small businesses across various industries. The company was founded in 2008 and is headquartered in New York City. Fora Financial specializes in providing financing options to small businesses that may not qualify for traditional bank loans due to credit score or financial history. The company offers financing options ranging from $5,000 to $500,000, and the application process is quick and straightforward.

FORA FInancial

Merchant Cash Advance Lender

Fora Financial has been recognized as one of the fastest-growing private companies in America by Inc. 5000. It has received several awards for its commitment to customer service and innovation in lending. The company has helped thousands of small businesses grow and expand by providing them the funding they need to achieve their goals.

APR range Starting at 29.90% APR
Loan Amount $5,000 to $1,400,000
Term (months) Up to 15 months
Min. credit score 650
Origination Fee(s) 0%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • Fast application and funding
  • Bank Statements 3 Months =150k
  • Renewal Eligibility to refinance at 50%
  • Credit Card Processing Split
  • ACH Payment
  • FICO 650+
  • Time In Business 3+ Years
  • Revenue-based term Range 6-15 months
  • Funding Size Up to $1,400,000
  • Positions 1st Only Lender
  • Payment Frequency Daily & Weekly on all offers
  • Credit Experian – Soft Pull

Why FORA FInancial is a good lender?

Fora Financial is a financial services company that provides working capital solutions to small businesses across various industries. The company was founded in 2008 and is headquartered in New York City. Fora Financial specializes in providing financing options to small businesses that may not qualify for traditional bank loans due to credit score or financial history. The company offers financing options ranging from $5,000 to $500,000, and the application process is quick and straightforward.

IOU Financial

Business Loan Lender

IOU Financial is a financial technology company that provides financing solutions to small businesses in the United States and Canada. The company was founded in 2008 and is headquartered in Montreal, Quebec, Canada.

APR range Simple Interest
Loan Amount $5,000 to $1,500,000
Term (months) Up to 36 months
Min. credit score 620
Origination Fee(s) 3%
Bank Averages $15k+ 3 months revenue average without NSF’s
Time to funding Within hours upon approval
  • 1ST & 2ND POSITIONS
  • DAILY,WEEKLY,BI-WEEKLY,MONTHLY(PREMIERPLUSONLY)
  • NO UCCs (EXCEPT PREMIER PLUS)
  • SOFT PULL ON CREDIT
  • NO PREPAYMENT PENALTIES
  • 3 months bank statements (needed for approval)
  • 6 months bank statements (15-month)
  • Driver\'s license
  • 1st position / 2nd position case-by-case
  • 5 years in business
  • No cash-flow exceptions

Why IOU Financial is a good lender?

IOU Financial specializes in providing short-term loans to small businesses that may not qualify for traditional bank loans. The company offers financing options ranging from $5,000 to $500,000, with flexible repayment terms and no hidden fees. IOU Financial has been recognized as one of the fastest-growing companies in North America by Deloitte\'s Technology Fast 500, and it has received several awards for its innovation in lending and commitment to customer service. The company has helped thousands of small businesses grow and expand by providing them with the funding they need to achieve their goals.