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LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
iBusiness Funding (Formerly Funding Circle) Business Loans Review
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Estimated APR range: for term loans
Loan amounts: to
Minimum time in business:
Minimum annual revenue:
Our verdict: With relatively fast funding and lower rates than many alternative lenders, might be a good choice for established businesses seeking long-term financing.
Collateral, personal guarantee and/or blanket lien may be required
Startup owners and low credit borrowers may not qualify
small business loans review
has one application for multiple financing options. Fill it out and you will be paired with a designated lending agent who can help you find your best option.
APR. However, you won’t know your exact rate until you apply.
SBA 7(a) loans
SBA loans are backed by the U.S. Small Business Administration, reducing the lender’s risk and making financing more attainable for small business owners.
offers most of its SBA loans through it’s parent company, Ready Capital, which is the No. 4 SBA Preferred Lender in the country by approval amount. Some SBA loans may also be originated through its network of lenders, which essentially means you can get referred out to another lender.
works with lenders to offer both regular SBA 7(a) loans and 7(a) small loans, which means you can get between and , with repayment terms ranging from months, depending on what the loan is used for.
Although the SBA caps interest rates to keep loan payments relatively low, the exact rate you pay will depend on the lender and the loan amount. Keep in mind that rates may be fixed or variable, and collateral may be required to secure loans over $50,000.
USDA loans
The U.S. Department of Agriculture (USDA) provides a partial guarantee to lenders offering small business loans in rural areas. These government-backed loans can be used for development, real estate and more. With a USDA loan, you may be able to borrow up to . Loan terms last between months, giving you plenty of time to repay your debt.
USDA loans are available for businesses in areas with populations less than 50,000. To qualify, you will also need to meet the lender’s minimum credit score and annual revenue requirements. Note that ’s USDA loans are originated through a network of approved lenders, meaning they’re not directly funded by . The interest rate you pay will be negotiated with the lender, though the rates you’re offered will depend on your financial situation. Rates may be fixed or variable, and variable rates may not be adjusted more than once per quarter.
How much do you need for your business?
$60,000
borrower requirements
Minimum annual revenue
Minimum time in business
Minimum credit score
To get a business loan from , you’ll need to meet the lender’s loan requirements. For term loans, this means you will need a minimum credit score of . Your business will also need to have operated for a minimum of two years, with an annual revenue of $50,000 or higher.
However, it’s important to note that SBA loans and USDA loans may require collateral. Acceptable forms of collateral include equipment, vehicles and inventory. If you default on your loan, can seize these business assets. You may also be required to sign a personal guarantee, which makes you personally responsible to repay the loan if the business fails to make payments.
Personal tax returns: Most recent year from all owners with 20% equity or more in the company
Business tax returns: Two most recent years
Alternatives to
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
Minimum credit score
Minimum time in business
Loan products offered
Term loansSBA 7(a) loansUSDA loans
Short-term loansLines of credit
Lines of credit
Time to funding
2 to 4 days
Same-day to 3 business days
As soon as next-day
Starting APR
Term loan:
Minimum APR offered to at least 5% of customers (not the lowest rate offered)
Line of credit:
Minimum APR offered to at least 5% of customers (not the lowest rate offered)
simple interest for 12-week terms; for 24-week terms
Maximum loan size
Term loan:SBA 7(a) loan:USDA loan:
Term loan: Line of credit:
Minimum annual revenue
vs.
is another online lender that provides short-term loans up to and lines of credit up to . Although this is less than what you may be able to get with , ’s financing options come with a few perks. Most notably, the lender offers fast funding on loans of $100,000 or less, allowing you to potentially receive your funds on the same day you apply.
Unlike , only requires businesses to be in operation for one year to be eligible for financing. It also has a slightly lower credit score requirement, approving applicants with scores as low as .
However, your business will also need a minimum annual revenue of to qualify. It’s also worth noting that high interest rates and other fees will drive up the cost of borrowing, with a starting APR of on term loans
This is the lowest APR offered to at least 5% of customers, not the absolute lowest rate offered
. Still, may be a good option for businesses who need quick funding to cover unexpected expenses or take advantage of a limited-time business opportunity.
Startups and low-credit borrowers may struggle to qualify for financing through . If you’re drawn to the speed and accessibility of but you don’t meet the lender’s minimum time in business, annual revenue or credit score requirements, might be a good alternative.
only requires in business, in annual revenue and a credit score of to qualify. Borrowers who meet these requirements may be able to access a business line of credit up to in as little as one day.
’s starting interest rate is for 12-week terms or for 24-week terms. This may be lower than the rates you’ll find with , though shorter loan terms will increase your cost per payment, so you’ll need to make sure you can afford the daily or weekly payments before committing to a loan.
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
What portion of LendingTree’s services in connection with my loan request is free?
There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.
How does LendingTree get paid?
LendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.
Disclosure 116
Business Loans
Business Loans are those loans that are for commercial use and any property and/or proceeds from the proposed request will be used by the requestor for commercial purpose only and not for any personal, family or household purposes, and that the proposed request would constitute a business loan which is exempted from the disclosure requirements of the Truth in Lending Act.
Most of our Business Funding Partners do not require collateral for business loans; however, please note that it is possible to be offered another product by the lender depending on your needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for collateral requirements.
There is no one-size fits all business loan. Rather there are several types that will likely be offered and or discussed with you upon completing your request. Business Funding Partners determine the underwriting criteria necessary for approval, you should review each Partner's terms and conditions to determine which business funding option works for your business’s financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Partner's discretion. There is no guarantee your business will be approved for credit or that upon approval your business will qualify for the advertised rates, fees, or terms shown. Lender terms and conditions will apply and all products may not be available in all states. Ask your lender for details.
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Advertised Terms and Information
The information and disclosures above relate to advertised terms made by or through LendingTree.
Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.
HomeBusinessReviewsiBusiness Funding (Formerly Funding Circle) Business Loans Review
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