Small Business Loan Lender Review Methodology
Bankrate's editorial team regularly evaluates financial products offered by banks, credit unions, online lenders and other lending institutions.
Many resources are available for new and seasoned small business owners, but it can take time to navigate. Funding inequality and wealth gaps in the U.S. also impact how entrepreneurs access these resources. Acknowledging this and providing tools for all small business owners to succeed is a small way I can help others.
— Emily Maracle
Emily Maracle is a small business loans editor for Bankrate.com. She is passionate about creating high-quality content to help educate and make complex financial topics accessible to all readers, especially those looking to start or grow a business.
Emily holds a bachelor’s degree in English Literature from the University of British Columbia. Previously, she worked as an editor and writer in the insurance and real estate industries, specializing in scaling content and businesses while broadening her knowledge in fintech.
Based in New York, Emily enjoys getting outside with her two dogs, reading, living sustainably and all things coffee.
Getting a loan can be a long and complicated process. From prequalifying to meeting lender requirements and applying, the process can take weeks to months. Starting a business is a huge undertaking. I aim to empower others to make educated financial decisions and reduce the stress of taking out a loan — whether it’s their first or fifth. I'm also passionate about helping and advocating for minority business owners and underserved communities. Everyone deserves equal access to funding, whether that's personally or for their small business.
Many resources are available for new and seasoned small business owners, but it can take time to navigate. Funding inequality and wealth gaps in the U.S. also impact how entrepreneurs access these resources. Acknowledging this and providing tools for all small business owners to succeed is a small way I can help others.
— Emily Maracle
Bankrate's editorial team regularly evaluates financial products offered by banks, credit unions, online lenders and other lending institutions.
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Lenders complete SBA Form 1920 with information from borrowers for 7(a) loan applications.
Find out when you need hazard insurance and which SBA business loans require them.
An SBA disaster loan is available to businesses, homeowners and renters who are facing economic hardships in a declared disaster zone.
A business loan agreement is a document you’ll receive from a lender that requires your signature and explains your loan’s terms and conditions.
Filling out SBA Form 413 is required for most SBA loans and details your business and personal finances.
A business loan broker can make the process of applying for and getting a small business loan less stressful, ensuring you get the right loan for your business’s needs.
A business loan proposal is often an essential part of a small business loan application, explaining to lenders what you plan to use the funds for.
A personal guarantee or collateral may be required for SBA loans. Learn the differences and requirements here.