Updated July 10, 2025
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Bankrate gathers top lenders and compares their offerings. You can use this information to browse pros and cons, loan amounts, terms and other details that are important to you.
When you've found a lender you're interested in, click "get personalized rates" to fill out some information and get potential offers.
Apply for a loan from your personalized offers page and get funded if you qualify for the working capital loan you choose.
Get more detail on Bankrate’s lender here with highlights and unique features. Bankrate’s expert insights include each lender's loan offerings and what we like about them.
National Funding offers high loans with favorable terms to businesses that don’t want to put up any assets as collateral. Additionally, borrowers can get funding in as little as 24 hours.
QuickBridge offers a wide range of loans to meet the needs of businesses of different sizes and industries.. And repayment terms are available on a daily or weekly repayment schedule, making it highly flexible.
Fora Financial can approve loans in as fast as 24 hours and provide cash shortly thereafter. That, combined with loans ranging from $5,000 to $1.5 million, make Fora Financial a great lender for startups.
Lendzi doesn’t have high requirements when it comes to personal credit score and revenue. While Lendzi is not a direct lender, the company works with many partners to connect borrowers with loan options that suit their needs, and their merchant cash advance options can help companies that can get approved for a traditional loan.
OnDeck can provide fast funding with reasonable terms to businesses that have only been active for one full year. As such, it is our 2025 award winner for best lender for startups.
In addition to traditional business loans, SMB Compass offers bridge loans of up to $5 million for eligible businesses. Additionally, these loans can show up in borrower’s accounts in as little as 24 hours.
SmallBusinessLoans.com is a platform that matches borrowers with lenders based on their size, revenue, credit and other factors. As a result, SmallBusinessLoans.com can give business owners a highly personalized experience that meets their needs perfectly.
Wells Fargo is our 2025 Bankrate award winner for best lender for good-to-excellent credit. For those who qualify, Wells Fargo offers large loan amounts at attractive rates.
Accion Opportunity Fund is an organization with a mission to help fund businesses in historically underserved communities. Their fair terms and resources offered to entrepreneurs helped Accion Opportunity Fund win our 2025 Bankrate Award for best CDFI for small business loans.
American Express is a well-known financial institution that offers many financial services for consumers and businesses alike. And with a business line of credit available to applicants with a FICO score of just 660, American Express could be a good fit for business owners that need capital but only have fair credit.
57
years in business
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lenders reviewed
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loan features weighed
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data points collected
To choose the best fast business loans, Bankrate ensured all loans featured are broadly available across the United States, have a funding time of three days or less and offer an online application process. We then considered features that make loans affordable and accessible to businesses with different characteristics and needs, including interest rates, credit score requirements, minimum annual revenue and fees.
Working capital loans can help get the funds to keep your business up and operating, even when times are tough. Let Bankrate walk you through the process.
A working capital loan is designed to infuse cash into the business for everyday operations, such as marketing, inventory or payroll. These loans boost your business’s working capital, which is your current assets minus liabilities. The positive amount left over is the amount you can use for day-to-day purchases or to expand your business.
Working capital business loans can help bolster your cash reserves when your cash flow gets low, or help weather a period of slow sales. You don’t have to limit yourself to a working capital loan. You can use other loans to boost your business’s working capital, including short-term loans and business lines of credit.
Depending on the type of loan, working capital loans may be easier to qualify for than standard term loans. They may require only a year in business and a personal FICO score of 500 to 600.
Most working capital loans will have a set repayment schedule with fixed payments. If you open a business line of credit, your credit limit will reset as you pay off the loan, allowing you to borrow more funds as needed.
In general, working capital loans can be a good idea for your business if:
Thomas Brock, CFA, CPA
Expert Reviewer
"Fast loans and business credit cards are known for their quick approval processes and widespread accessibility. They can be sensible when you need to quickly access a relatively small amount of money on a short-term basis. However, they have relatively high interest rates and unfavorable terms. If you require a more significant amount of money and anticipate needing several months to repay the debt, working capital loans are more cost-effective. These loans have lower interest rates and more flexible repayment schedules than fast loans and business credit cards."
Working capital loans work well for small businesses needing fast funding to cover everyday expenses and gaps in cash flow. But you might pay for the convenience. Make sure to consider the pros and cons of working capital loans before you apply for one.
Working capital loans can help you cover short-term operating expenses. Here’s what you need to know.
Learn moreHow much you’ll pay for a working capital loan will depend on your credit history, revenue, loan amount and the type of loan in question. As of March 2025, average loan rates for standard loans are between 6 and 75 percent APR, between 6 and 8 percent APR for lines of credit and 1.04 to 1.32 factor rates for merchant cash advances.
As a rule of thumb, you shouldn’t borrow more than 36 percent of your business’ annual revenue when taking out a loan. If your business makes $250,000 annually, for example, you shouldn’t borrow more than $90,000.
Your monthly, weekly or daily payment will also be an important factor in determining how much you can afford, as missing a payment due to lack of funds can result in fees and the possibility of default. Using a loan calculator can help you calculate how much your monthly payment will be based on your loan amount.
For example, if you want to cap your monthly payment at $1,000 with a 1.1 factor rate, monthly-paid, 12-month loan, then your maximum loan amount would be $10,849.
Every lender sets its own standards for granting working capital loans to small businesses. In general, these loans have lenient eligibility criteria since they’re meant for small, everyday purchases.
Requirements you can expect include:
Lenders often use your personal credit score to determine creditworthiness, though a business credit score may be weighed for more established businesses.
When shopping for loans, consider prequalifying with us. Bankrate offers multiple benefits if you decide to prequalify on our site, including:
Working capital loans can differ in their borrowing costs, lender terms and other factors that impact how the loan works for you. Which loan works best for you will depend on your priorities. Check out Bankrate’s rate cards for a one on one look at different factors and interest rates for a detailed comparison.
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From SBA loans to invoice factoring, here’s what you have to pick from.
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