Banks say no to most small-business borrowers. Online lenders say yes in hours — at a price. We ranked the top lenders on speed, amounts, qualification requirements, and true cost so you can fund growth without overpaying.
Amounts, credit minimums, and funding speeds shown as of October 2026 and vary by applicant — always confirm current terms with the lender.
| Rank | Lender | Rating | Funding up to | Min. credit | Get started |
|---|
Answer 4 quick questions and get matched to your best options in 60 seconds.
Take the 60-second quizEvery lender gets a score from 0 to 5. Our analysts weigh what matters most to borrowers:
Partners who compensate us cannot pay for a higher rating or a better placement. Read our advertiser disclosure.
Advertiser disclosure: Many or all of the products featured here are from our partners who compensate us. That may influence which products we write about and where and how they appear on a page. It does not influence our evaluations. Our ratings are set by our editorial team using the published methodology above. Partners cannot pay for favorable reviews, higher ratings, or better placement.
Many or all of the products featured here are from our partners who compensate us. That may influence which products we write about and where and how they appear on a page.
It does not influence our evaluations. Our ratings are set by our editorial team using the published methodology above. Partners cannot pay for favorable reviews, higher ratings, or better placement.
When you click “Get a quote” you leave Financialist.com and go to the lender's site. If you're approved and funded, we may earn a commission — at no cost to you.