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Best Small Business Loans in the USA up to $500,000.

SmartBiz is one of the leading AI-powered small business financing platforms equipping entrepreneurs with access to the right capital at the right time. To date, SmartBiz has connected borrowers with more than $9 billion in financing while increasing efficiency for its network of banks and trusted lending partners. More than 230,000 entrepreneurs have utilized SmartBiz to access the funding they need to grow, with 60% of loans made to minority, women, or veteran-owned businesses. Commercial Partners of Texas https://www.amerimort.com/ is an affiliate with SmartBiz.

 

SmartBiz was named the Top Small Business Lending Platform by LendIt Fintech® in 2022 for excellence in keeping the economy running through successful loan performance, volume, growth, product diversity, and innovation. Founded in 2009 and headquartered in San Francisco and Austin, SmartBiz is backed by Venrock, Investor Growth Capital, First Round Capital, Baseline Ventures, and Uncork Capital.

Need a Business Loan? smartbizloans.com.



  1. Lendio:

  • Type: Marketplace

  • Loan Amounts: $1,000 to $5 million

  • Interest Rates: Starting at 4.25%

  • Best For: Overall variety of loan options, including lines of credit, term loans, and commercial mortgages.

  • Key Benefit: Partners with over 75 lenders, making it easier to find the best loan option​ 

  1. OnDeck:

  • Type: Direct Lender

  • Loan Amounts: Up to $250,000 (loan); Up to $100,000 (line of credit)

  • Interest Rates: Varies

  • Best For: Fast funding, with the possibility of same-day approval and disbursement.

  • Key Benefit: Quick access to capital and transparent loan details​ 

  1. Fundera by NerdWallet:

  • Type: Marketplace

  • Loan Amounts: Up to $5.5 million for SBA loans

  • Interest Rates: Varies by lender

  • Best For: SBA loans, offering a range of SBA options including SBA 7(a), SBA Express, and SBA CDC/504 loans.

  • Key Benefit: Single application for multiple SBA loan options, aiding in efficient loan comparison​ 

  1. BlueVine:

  • Type: Direct Lender

  • Loan Amounts: Up to $250,000

  • Interest Rates: Varies

  • Best For: Lines of credit

  • Key Benefit: Easy access to a flexible line of credit with straightforward application process​ 

  1. Kiva:

  • Type: Crowdfunding

  • Loan Amounts: Up to $15,000

  • Interest Rates: 0%

  • Best For: Microloans for disadvantaged entrepreneurs

  • Key Benefit: Peer-to-peer lending platform with no interest, making it highly accessible for small-scale projects​ 

These lenders offer a range of services from traditional bank loans to online lending platforms and crowdfunding options. Depending on your business needs, credit score, and desired loan amount, you can choose the lender that best fits your requirements.

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