Updated October 9, 2026 · BorrowCue Editorial Team

Top business loans compared in the United States

58 lenders available in the United States, ranked for the United States.

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Top business loans compared in the United States
#LenderScoreKey factsActions
1
BriteCap Financial logo
BriteCap FinancialTop pick
9.4/10
Loan amount:
$5,000 to $1,000,000
Term:
6 to 18 months
Credit check:
Soft prequal
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2
Novo logo
Novo
9.1/10
Loan amount:
up to $50,000
Arrangement fee:
0 (none: application, origination, servicing fees: None)
Credit check:
Hard
ReviewCompareVisit
3
Bizcap logo
Bizcap
9.0/10
Loan amount:
up to $2,000,000
Term:
5 to 12 months
Arrangement fee:
underwriting fee disclosed upfront
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4
BadCreditLoans.com
8.4/10
APR:
19.9%
Loan amount:
$500 to $10,000
Term:
3 to 72 months
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5
VIP Capital Funding

Small business funding and working capital from $25K to $15MM+, including bridge loans, with decisions in as little as 4 hours for qualifying businesses.

Not rated
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6
NewtekOne logo
NewtekOne

Guaranteed Savings $100 gift card

9.4/10
Loan amount:
$5,000 to $15,000,000
Credit check:
Soft prequal
Funding time:
Funds in weeks
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7
T-Bank partner program logo
T-Bank
9.4/10
Loan amount:
$500,000 to $25,000,000
Term:
120 to 300 months
Credit check:
Hard
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8
Banco Santander logo
Banco Santander
9.3/10
Loan amount:
$10,000 to $250,000
Term:
60 months
Arrangement fee:
0.50% origination fee, minimum $250
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9
Bank of America logo
Bank of America
9.3/10
Lender type:
Direct lender
Loan types:
Car, Business
Legal entity:
Bank of America California, National Association
ReviewCompareSee alternatives
10
Bluevine logo
Bluevine
9.2/10
Loan amount:
up to $250,000
Arrangement fee:
0 USD (no maintenance fees)
Credit check:
Soft prequal
ReviewCompareSee alternatives

Licensed in the United States

BriteCap Financial
California Department of Financial Protection and Innovation
Novo
Continental Bank (loan issuing bank) / Middlesex Federal Savings, F.A. (banking partner), FDIC member
NewtekOne
Federal Deposit Insurance Corporation (FDIC)
T-Bank
Federal Deposit Insurance Corporation (FDIC)
Banco Santander
FDIC
Bank of America
Federal Deposit Insurance Corporation (FDIC)
Bank of America
FDIC
Celtic Bank
NMLS (NMLS Registry)
Celtic Bank
FDIC
Salt Lending
NMLS (NMLS Consumer Access)
Salt Lending
California DFPI (Consumer Finance Lender)
Salt Lending
Colorado (Supervised Lender)
Salt Lending
Idaho (Regulated Lender)
Salt Lending
Michigan Department of Insurance and Financial Services (Regulatory Loan)
Salt Lending
Illinois (Consumer Installment Lender)
Salt Lending
Wyoming (Consumer Lending)
Salt Lending
US Financial Crimes Enforcement Network (FinCEN) money service business registration, SALT Platform, LLC
New Millennium Bank
FDIC
New Millennium Bank
NMLS
New Millennium Bank
New Jersey Department of Banking and Insurance

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Other countries

BriteCap Financial

BriteCap Financial

Top pick for the United States

9.4/10Visit