Business Funding Battles · verified 2026-10-24
The lenders are at war for your business.
Business-loan marketplaces and direct lenders, side by side. Every fact below comes from the provider's own page, linked on each row. Where a provider doesn't publish a number, we say so.
| Fighter | Loan types & amounts | Minimums to qualify | Speed | APR | Other rate published | Source |
|---|---|---|---|---|---|---|
| OnDeck Direct lender | Term loan; line of credit Term loan $5K–$400K; line of credit $6K–$200K | Credit: 625 personal FICO Time: 1 year in business Revenue: $100K annual revenue | Funds as soon as the same day after approval Check eligibility with no hard credit pull | Not published on page | Not published on page | Visit OnDeck verified 2026-10-24 |
| Bluevine Direct lender (line of credit) + lending network | Line of credit; term and SBA loans via partners Not published on page | Credit: 625+ personal FICO Time: 12+ months in business Revenue: $10,000 monthly ($120,000 annual) | Decision in as fast as five minutes; funds within as little as 24 hours Applying does not impact your personal credit score | Not published on page | Interest rates as low as 7.8% for top qualifying customers | Visit Bluevine verified 2026-10-24 |
| Lendio Marketplace (100+ lenders; not a direct lender) | Term, short-term, SBA, line of credit, equipment, revenue-based, startup, commercial mortgage, acquisition Line of credit $1K–$500K; term loan $5K–$2M; SBA up to $5M | Credit: Varies by lender (not published) Time: Varies by lender (not published) Revenue: Varies by lender (not published) | As soon as 24 hours (short-term, term); SBA 1–3 months No impact to credit score to check | Not published on page | Interest rate: line of credit 8%–60%; term loan as low as 6%; SBA Prime+ | Visit Lendio verified 2026-10-24 |
| SmartBiz SBA loan specialist (SmartBiz Bank + partner lenders) | SBA loans Not published on page | Credit: "Strong credit profile" Time: Typically 3+ years in business Revenue: "Consistent revenue and cash flow" | Pre-qualify in about 5 minutes; funding time not published Soft pull to pre-qualify; hard pull when you formally apply | Not published on page | Not published on page | Visit SmartBiz verified 2026-10-24 |
| Fundera by NerdWallet Marketplace | SBA, term, line of credit, equipment, invoice factoring, merchant cash advance, commercial real estate Not published on page | Credit: Varies by lender ("some lenders accept credit scores as low as 500") Time: Varies by lender Revenue: Varies by lender | Funding in as little as one business day Soft inquiry to match; lender may do a hard inquiry later | Not published on page | Not published on page | Visit Fundera by NerdWallet verified 2026-10-24 |
| Nav Marketplace (shows partner products) | Term, SBA, line of credit, equipment, business cash advance, bank loans, business cards Varies by partner product shown | Credit: Varies by partner product Time: Varies by partner product Revenue: Varies by partner product | Varies by partner product Pre-qualification shown per product | Shown per partner product (e.g. a SmartBiz SBA loan listed at 11.25%–13.25% APR) | Shown per partner product | Visit Nav verified 2026-10-24 |
Read this first: an interest rate is not the same as an APR. APR includes fees and is the better number for comparing loans. Most providers above don't publish an APR range on their main page, so ask every lender for the APR and total cost before you sign. Marketplaces don't lend; the lender they match you with sets the terms. Applying may lead to a hard credit pull. CashWars is not a lender or broker and doesn't take applications. Not financial advice.
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