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Business loans in 2026 offer a wide range of options for small to medium businesses, from low-interest SBA-backed loans to fast online funding. Rates are trending down after Fed cuts (prime rate ~7.00% in December), making this a good time to borrow. The top picks focus on low fees, high approval rates, bonuses, and flexible terms.
Key trends from 2026 reviews (Forbes, Bankrate, NerdWallet, LendingTree):
Rate notes (December 2026):
How to Get the Best Deal:
Apply directly on lender sites for current offers (bonuses expire).
Your choice.
Business loans in 2026 offer a wide range of options for small to medium businesses, from low-interest SBA-backed loans to fast online funding. Rates are trending down after Fed cuts (prime rate ~7.00% in December), making this a good time to borrow. The top picks focus on low fees, high approval rates, bonuses, and flexible terms.
Key trends from 2026 reviews (Forbes, Bankrate, NerdWallet, LendingTree):
- Online lenders dominate for speed (same-day funding).
- SBA loans best for low rates/long terms.
- Business lines of credit most flexible.
- Average rates: 6.7–11.5% bank loans, 9–27% online/alternative.
Top Business Loans Comparison (December 2026)
| Rank | Lender/Product | Type | Starting Rate | Loan Amount | Term | Bonus | Best For | Key Pros | Key Cons |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Bluevine (Business Checking + Line) | Line of Credit | 6.2%+ | $5k–$250k | 6–12 months | Up to $500 | Fast funding + high yield | No fees, same-day, high APY savings | Revenue req. $480k/year for best rates |
| 2 | Chase Business Complete | Line/Term Loan | Prime + 0.25% (~7.25%) | $5k–$500k+ | Up to 5 years | Up to $500 | Branches + bonus | Nationwide branches, Zelle Business | Monthly fee (waivable) |
| 3 | American Express Business Checking/Line | Checking + Line | 6.98%+ | $2k–$250k | Revolving | None | No fees + interest | 1.3% APY checking, unlimited transactions | No cash deposits |
| 4 | Fundbox | Line of Credit | 4.66%+ (factor) | $1k–$150k | 12–24 weeks | None | Startups/low credit | No revenue min, fast | Short terms |
| 5 | OnDeck | Term Loan/Line | 9.99%+ | $5k–$250k | 3–24 months | None | Established businesses | Loyalty discounts | Higher rates |
| 6 | SBA 7(a) via Live Oak/Wells Fargo | Term Loan | 7.5–10.5% | $5k–$5M | Up to 25 years | None | Long-term/low-rate | Government guarantee, long terms | Slow approval (weeks) |
| 7 | Funding Circle | Term Loan | 7.49%+ | $25k–$500k | 6 months–7 years | None | Medium businesses | Competitive rates | Strict credit |
| 8 | Lendio (Marketplace) | Various | Varies (6%+) | $1k–$5M | Varies | None | Comparing options | One application → multiple offers | Not direct lender |
Rate notes (December 2026):
- Bank loans: 6.7–11.5% average.
- Online lenders: 9–27% (factor rates for short-term).
- SBA: 7.5–10.5% (prime + 2.25–4.75%).
Best by Category (December 2026)
- Lowest Rates/Long-Term: SBA 7(a) via Live Oak or Wells Fargo (7.5%+ , up to 25 years).
- Fastest Funding: Bluevine/Fundbox (same/next day).
- No/Low Fees: American Express, Bluevine, Relay.
- Best Bonus: Chase ($500).
- Startups/Low Credit: Fundbox or OnDeck.
- High Limits: Funding Circle or SBA.
How to Get the Best Deal:
- Check your credit – 680+ personal score for best rates.
- Prepare docs – 2 years tax returns, P&L, bank statements.
- Compare 3–5 lenders – use marketplaces like Lendio.
- Time it – rates falling after Fed cuts.
Apply directly on lender sites for current offers (bonuses expire).
Your choice.
