Updated September 30, 2026 · BorrowCue Editorial Team

Top lines of credit compared in the United States

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

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Top lines of credit compared in the United States
#	Lender	Score	Features	Key facts	Actions
1	BriteCap FinancialTop pick	9.4/10	Same day funding	Loan amount: $5,000 to $1,000,000 Term: 6 to 18 months Credit check: Soft prequal	Review Compare Visit
2	Upgrade	9.2/10	Fixed rate Same day funding	APR: 7.74% to 35.99% Loan amount: $1,000 to $50,000 Term: 24 to 84 months	Review Compare Visit
3	Novo	9.1/10	Fixed rate Same day funding	Loan amount: up to $50,000 Arrangement fee: 0 (none: application, origination, servicing fees: None) Credit check: Hard	Review Compare Visit
4	Bizcap	9.0/10	Same day funding	Loan amount: up to $2,000,000 Term: 5 to 12 months Arrangement fee: underwriting fee disclosed upfront	Review Compare Visit
5	BadCreditLoans.com	8.4/10		APR: 19.9% Loan amount: $500 to $10,000 Term: 3 to 72 months	Review Compare Visit
6	Citizens Bank	9.6/10		APR: 2.5% to 21% Loan amount: $17,500 to $2,000,000 Term: 120 to 300 months	Review Compare See alternatives
7	First National Bank of Omaha	9.6/10	Fixed rate	APR: 15.24% to 21.24% Credit check: Hard Rate type: Variable	Review Compare See alternatives
8	AffinityPlus Credit Union	9.4/10	Fixed rate	APR: 7.24% to 18% Loan amount: $1,000 to $40,000 Term: 36 to 60 months	Review Compare See alternatives
9	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	Review Compare See alternatives
10	T-Bank	9.4/10		Loan amount: $500,000 to $25,000,000 Term: 120 to 300 months Credit check: Hard	Review Compare See alternatives

Licensed in the United States

BriteCap Financial: California Department of Financial Protection and Innovation
Upgrade: NMLS Consumer Access (Upgrade, Inc.)
Upgrade: California Department of Financial Protection and Innovation
Novo: Continental Bank (loan issuing bank) / Middlesex Federal Savings, F.A. (banking partner), FDIC member
Citizens Bank: National Mortgage License System (NMLS)
Citizens Bank: Federal Deposit Insurance Corporation (FDIC)
Citizens Bank: FDIC
First National Bank of Omaha: NMLS (National Mortgage Licensing System)
First National Bank of Omaha: FDIC
First National Bank of Omaha: HUD (Equal Housing Lender)
AffinityPlus Credit Union: National Credit Union Administration (NCUA)
NewtekOne: Federal Deposit Insurance Corporation (FDIC)
T-Bank: Federal Deposit Insurance Corporation (FDIC)
KiwiCredito: Florida (issuer not named on the site)
KiwiCredito: NMLS (National Multistate Licensing System)
KiwiCredito: Missouri (issuer not named on the site)
Patelco Credit Union: National Credit Union Administration (NCUA)
Republic Bank: NMLS (National Mortgage Licensing System)
Republic Bank: FDIC
New Millennium Bank: FDIC