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Best startup business loans in February 2025

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Taycor Financial: Bankrate 2025 Award Winner Best Lender for newer businesses

4.2
Loan amount
$500- $5M
Term: 4 - 60 months
Interest rate
Factor rate from 1.10 - 1.36
Fastest funding
1 business day
Apply nowArrow Right

on BusinessLoans.com

Best for fast funding

4.5
Loan amount
$1k- $150K
Term: 3 - 6 months
Interest rate
Starting at 4.66%
Fastest funding
1 business day
Apply nowArrow Right

on BusinessLoans.com

Best for community support

4.3
Loan amount
$1k–$15k
Term: 1 - 36 months
Interest rate
N/A
Fastest funding
5 business days

Accion Opportunity Fund: Bankrate 2025 Award Winner Best CDFI for small business loans

4.1
Loan amount
$5k- $250K
Term: 12 - 60 months
Interest rate
8.49- 24.99%
Fastest funding
Not disclosed

Best for loan variety

4.3
Loan amount
$5k- $5M
Term: 3 - 15 months
Interest rate
1.1 - 1.5 factor rate
Fastest funding
1 business day
Apply nowArrow Right

on BusinessLoans.com

OnDeck: Bankrate 2025 Award Winner Best lender for startups

4.5
Loan amount
$5k- $250K
Term: 3 - 24 months
Interest rate
Starting at 29.90% APR
Fastest funding
1 business day
Apply nowArrow Right

on BusinessLoans.com

LENDER BEST FOR MIN. FICO CREDIT SCORE LOAN AMOUNT MIN. TIME IN BUSINESS
Large business loans 550 $500 to $5 million 3 months
Fast funding 600 Up to $150,000 6 months
Loan variety 550 $5,000 to $5 million 6 months
Fair credit 625 $5,000 to $250,000 12 months
Community support N/A Up $15,000 N/A
Underserved communities Not disclosed $5,000 to $250,000 12 months
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Bankrate Insight

Bankrate's trusted small business loan industry expertise

57

years in business

30

lenders reviewed

22

loan features weighed

770

data points collected