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Our team researched the best business loan options available so you can compare business lines of credit.
Click the ‘Apply now’ button next to the provider of your choice and provide us with a little information about what type of loan you’re looking for.
Choose a loan from a Bankrate partner and receive your funds if you qualify.
If one of our top lenders in the table seems like a good match, take a closer look at them below. We’ll cover why we chose them, who they’re best for and any standout features they offer.
National Funding offers high loans with favorable terms to businesses of all kinds and sizes. Additionally, they offer some discounts for borrowers who pay off their loans ahead of schedule.
QuickBridge offers repayment terms on a daily or weekly repayment schedule to fit the needs of different kinds of borrowers. They also offer a wide range of loan types for any type of business, regardless of size or industry.
Fora Financial gives discounts for prepayment, giving an extra bonus for businesses that need fast financing but also want to save money over the course of their loan.
Bluevine offers unsecured loans in as little as one business day. This is great for companies that need fast funding but do not want to put up any business assets as collateral.
If you need a loan to acquire some equipment for your business, Triton Capital is one of the most popular lenders on the market. They can also lend you that capital in as little as 24 hours.
iBusiness Funding offers a wide range of different financial services for business owners in as little as two business days. And with terms ranging six to 24 months, they offer highly flexible repayment terms for your loans.
Credibly offers borrowers large loan amounts in as little as just one business day. Additionally, they offer discounts for borrowers who repay their loans early.
OnDeck won an award from Bankrate this year for best lender for startups because their wide range of loan amounts and lenient requirements makes them an ideal fit for newer businesses. On top of that, they also offer funding in as little as one business day.
Lendzi works with an extensive network of lenders to provide borrowers with a loan that suits their unique needs. It is a solid channel for alternative financing due to the fact that it provides business owners with fast, fair loans even if they’ve been rejected elsewhere.
SmallBusinessLoans.com is a platform that connects borrowers and lenders together to help find business owners solutions that work for their unique needs. Best of all, applicants can receive funding in as little as 24 hours.
Creditfy is our 2025 best lender for fast business loans due to the company’s ability to approve loans within one business day. In addition to being fast, they offer a wide range of loans at fair interest rates to meet the needs of all businesses that qualify.
SMB Compass stands out from other lenders because it offers loans as high as $10m to qualified borrowers. You can also get loans from the company in as little as one business day.
57
years in business
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lenders reviewed
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loan features weighed
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To choose the best fast business loans, Bankrate ensured all loans featured are broadly available across the United States, have a funding time of three days or less and offer an online application process. We then considered features that make loans affordable and accessible to businesses with different characteristics and needs, including interest rates, credit score requirements, minimum annual revenue and fees.
When evaluating lenders, we use a 22-point scale to measure quality in five key areas:In general, a fast business loan could be right for your business if:
If you need funding quickly, let Bankrate walk you through the process. We give you the full process of applying for a fast business loan, how to improve your odds of getting approved and finding the right lender for your business’s needs.
Need funds quickly? Here’s when a fast business loan might be what you need.
Read moreEven when you need funding quickly, don’t let your debt outrun your business. Taking on too big of a loan in the heat of the moment can quickly eat your profits with monthly payments.
When determining how much to borrow with a fast business loan, you’ll want to consider both your debt-to-revenue ratio and the monthly payment. In general, you’ll want to avoid taking on more than 36 percent of your annual revenue in debt. This means that if your business makes $300,000 a year, then you shouldn’t take on more than $108,000 in loans overall.
You can also use a business loan calculator to see what monthly payments your business can afford. For example, if you take out a 24-month loan with an 11.5 percent APR and want to cap your monthly payments at $3,500, then the most you can borrow is $74,722.
The better you meet your lenders’ requirements, the faster you’ll be approved for your loan.
While criteria vary, requirements for a fast business loan typically include:
Don’t let paperwork slow down your loan approval. Here are the documents you’ll need to apply.
Read moreIf you’re having trouble meeting the requirements, there are a few ways you can quickly increase your chances of approval, including:
When shopping for loans, consider prequalifying with us. Bankrate offers multiple benefits if you decide to prequalify on our site, including:
Be sure to have all required documents ready at the time of applying, maintain a good credit score, and apply with lenders that are known for speedy loan processing.Emmanuel Nyame, CEO of Twelvenets
Fast business loans come with a variety of terms and requirements depending on the lender and the loan itself. Which loan is right for your business will depend on your needs and top priorities.
When selecting a loan, here are the factors to consider.
| If your most important deciding factor is… | …then you should consider | ...and be wary of |
| Speed |
|
Fast business lenders typically have tight repayment schedules and high costs, which can trap you in a bad cycle of debt. In addition, predatory lenders may seek to take advantage of vulnerable businesses looking for speedy funding. |
| Loan costs |
|
Traditional lenders, and especially SBA lenders, can take weeks or months to approve and fund. |
| Low credit requirements |
|
Lenders that have more lenient credit requirements tend to charge higher fees and interest rates. |
Securing your fast business loan with collateral can make your application more appealing, with some risk. Here’s what to know about unsecured and secured fast business loans.
Read more
