US Business Loan Rates-CrediVita

US Business Loan Rates Origin: APR 5.5%-55%

Bank: 7%-12% | SBA 7(a): 9%-13.5% | SBA 504: 5.5%-7%
Fintech: 12%-55% | Lines: 8.5%-22%
Funding Circle, OnDeck, Lendio.

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Product Details

Traditional Bank Term Loans

Type	APR	Requirements
Secured (collateral)	7.00%-10.00%	2+ yrs, FICO 700+
Unsecured	10.00%-12.00%	2+ yrs, FICO 680+

Term: 1-10 years | Funding: 2-6 weeks

SBA Government-Guaranteed Loans

Product	APR	Min FICO	Notes
SBA 7(a) Variable	9.00%-11.50%	640-680+	Up to $10M, 30-90 days
SBA 7(a) Fixed	9.50%-13.50%	640-680+	Up to $10M
SBA 504 Commercial RE	5.50%-7.00%	620+	20-25 year term
SBA Express	11.25%-13.25%	640+	Faster approval
SBA Microloan	8.00%-13.00%	580+	Small micro-business

How to Apply — 3 Simple Steps

01Initial Preparation & Product Selection

Review your financial needs and compare loan options. Always evaluate based on APR (Annual Percentage Rate), which is the legally recognized standard for measuring the true cost of borrowing, including all fees and charges.

02Application Submission & Credit Review

Submit your application online. Lenders will review your credit profile, income, and debt-to-income ratio. Pre-qualification is available with most lenders using a soft credit pull that does not affect your credit score.

03E-Signature & Loan Funding

Once approved, review and sign your loan agreement electronically. Funds are typically deposited within 1-7 business days. Ensure monthly payments fit comfortably within your budget before signing.

Note: All rates and fees shown are estimates. Exact terms will be defined in the official loan agreement issued by your lender. Always request full APR disclosure before signing to avoid hidden costs.

Online Fintech Business Loans

Type	APR	Min FICO	Notes
Quality Online	12.00%-20.00%	620-660	12+ months, 1-7 day
Subprime Online	20.00%-30.00%	580-619	Shorter history
High-Risk Short-Term	30.00%-55.00%	580+	Weekly payments

Business Credit Lines

Type	APR	Notes
Bank Revolving	8.50%-12.00%	Quality business, secured
SBA CAPLine	9.00%-11.50%	Govt-guaranteed
Online Platform	12.00%-22.00%	Fast approval

Specialty Financing

Product	APR	Notes
Equipment Loan	6.50%-14.00%	Equipment as collateral
Invoice Factoring	10.00%-25.00%	Based on receivables
MCA Cash Advance	35%-100%+	High-cost alternative

Major Platforms

Platform	APR	Min FICO	Requirement
Funding Circle	11.00%-30.00%	600	12+ months
OnDeck	29.00%-55.00%	600	12+ months, fast
Lendio	Varies	N/A	Matchmaking

Key Business Points

Business loans check owner FICO + business Paydex score.
SBA: banks fund with govt guarantee; guarantee fees included in APR.
Rate factors: business age, revenue, DSCR, collateral, owner credit, state law.
TILA applies to business-consumer loans; full APR disclosure required.
MCA not classified as loan in most states; exempt from some caps; extremely high cost.

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