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Here are the most common types of small business loans. Which is the best for your business’s needs?

SBA Loan

SBA loans are government-guaranteed long-term loans. The guarantee allows SBA lenders to offer low-interest rate loans to business owners who might not qualify for a bank loan.

Maximum Loan Amount

$5,000 – $5 million

Term

5 – 25 years

Interest Rates

Starting at 6.75%

Speed

As little as 3 weeks

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Term Loan

Just like with a traditional bank loan, with a traditional-term business loan, you are lent a set amount upfront, which you pay back (along with fees) over a set period of time.

Maximum Loan Amount

$25,000 to $500,000

Term

1 – 5 years

Interest Rates

7 – 30%

Speed

As little as 2 days

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Equipment Financing

With equipment financing, the lender will front you cash to help purchase the equipment outright. You then pay back the total amount lent, plus fees, for a set period of time.

Maximum Loan Amount

Up to 100% of equipment value

Term

Expected life of equipment

Interest Rates

8 – 30%

Speed

As little as 3 weeks

See if you qualify

Business Line of Credit

SBA loans are government-guaranteed long-term loans. The guarantee allows SBA lenders to offer low-interest rate loans to business owners who might not qualify for a bank loan.

Maximum Loan Amount

$10,000 to over $1 million

Term

6 months to 5 years

Interest Rates

7% – 25%

Speed

7% – 25%

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Invoice Financing

Invoice financing lets you sell invoices to a lender, who fronts you a portion of the invoice amount. The remaining percent (usually 20%) is held until the invoice is paid.

Maximum Loan Amount

Up to 100% of equipment value

Term

Until the customer pays the invoice

Interest Rates

8 – 30%

Speed

As little as 1 days

See if you qualify

Equipment Financing

With equipment financing, the lender will front you cash to help purchase the equipment outright. You then pay back the total amount lent, plus fees, for a set period of time.

Maximum Loan Amount

Up to 100% of equipment value

Term

Expected life of equipment

Interest Rates

8 – 30%

Speed

As little as 3 weeks

See if you qualify

Merchant Cash Advance

With merchant cash advances, a financing company fronts you a lump sum of capital, which you repay (plus their fee) with a set percentage of your daily credit card sales.

Maximum Loan Amount

$2,500 – $250,000

Term

Paid daily via your merchant account

Interest Rates

1.14 – 1.18

Speed

As little as 2 days

See if you qualify

Small Business Startup Loan

Startup loans offer newer businesses capital to grow. Business credit cards, lines of credit, and equipment loans are great startup loans if you have strong personal credit.

Maximum Loan Amount

$150,000

Term

6 months to 4 years

Interest Rates

7.9 – 19.9%

Speed

As little as 2 weeks

See if you qualify

Personal Loan for Business

Personal loans can actually be helpful for newer businesses that don’t have any financial history. Plus, personal loans can have lower rates than business loans.

Maximum Loan Amount

$35,000

Term

3 to 5 years

Interest Rates

5.99 – 36% APR

Speed

As little as 1 day

See if you qualify

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