Best Business Loan Companies 2026: Startup Funding & Fast Loans
Bluevine, OnDeck, Funding Circle, Lendio and SBA lenders — compare business loans by speed and rate.
Our reviews are based on product research, feature comparisons, pricing analysis, and our independent scoring methodology. ProductsVerdict may use AI-assisted research tools as part of our editorial workflow. Learn more about our review process. ProductsVerdict may earn commissions from partner links — this does not affect our ratings.
- Bluevine — Best line of credit.
- Funding Circle — Term loans.
- OnDeck — Fast funding.
- Lendio — Loan marketplace.
- SBA Lenders — Best rates (slowest).
Our research process for this comparison
- Last reviewed
- Jun 2, 2026
- Approach
- Research-driven product comparisons: vendor docs, live pricing, public benchmarks, and trial-account checks where available.
- Sources we used
- Vendor websites and changelogs, official pricing pages, third-party uptime monitors and verified user reports.
- Limitations
- Not every product on this page received controlled lab testing. Pricing and features change frequently — confirm on the provider's website.
Read the full review methodology and our editorial policy.
Top picks compared (2026)
| Product | Rating | Best for | Visit |
|---|---|---|---|
| BluevineBest Overall | 9.4 | Best line of credit | Visit Bluevine |
| Funding Circle | 9.3 | Term loans | |
| OnDeck | 9.3 | Fast funding | |
| Lendio | 9.2 | Loan marketplace | |
| SBA Lenders | 9.1 | Best rates (slowest) |
Links marked Visit are affiliate links — we may earn a commission at no extra cost to you. Rankings are decided by our scoring rubric, not commission rate. How we make money.
Quick verdict
Bluevine, OnDeck, Funding Circle, Lendio and SBA lenders — compare business loans by speed and rate.
Head-to-head comparison
| Product | Best For | Score |
|---|---|---|
| Bluevine | Best line of credit | 9.4 |
| Funding Circle | Term loans | 9.3 |
| OnDeck | Fast funding | 9.3 |
| Lendio | Loan marketplace | 9.2 |
| SBA Lenders | Best rates (slowest) | 9.1 |
1. Bluevine — Best line of credit
Bluevine stands out for best line of credit. Score: 9.4/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
2. Funding Circle — Term loans
Funding Circle stands out for term loans. Score: 9.3/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
3. OnDeck — Fast funding
OnDeck stands out for fast funding. Score: 9.3/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
4. Lendio — Loan marketplace
Lendio stands out for loan marketplace. Score: 9.2/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
5. SBA Lenders — Best rates (slowest)
SBA Lenders stands out for best rates (slowest). Score: 9.1/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
Final verdict
Our pick: Bluevine is the strongest overall choice in this category for 2026. Pick based on your specific need from the comparison above.
Frequently asked
Fastest business loan?+
OnDeck and Bluevine — funding in 1–3 business days.
Best rates?+
SBA 7(a) loans — under 11% but require strong credit and paperwork.
Was this comparison helpful?
Share it with someone choosing software.
Know someone choosing software? Send them this guide.
What's changed
Every meaningful edit to this article is logged here. Spotted something out of date? Submit a correction.
- Jun 2, 2026Article first published.
How the ProductsVerdict score is calculated
Every review and comparison on this site is graded against the same five-factor rubric. Weights are fixed so two reviewers grading the same product land within ~0.5 of each other.
- 30%Features & capabilitiesDepth, breadth and reliability of what the tool actually does.
- 25%Pricing & valueCost vs. what you get, including hidden fees and renewal traps.
- 20%Ease of useOnboarding, UX, documentation and learning curve.
- 15%Support & reputationSupport quality, response times and verified user sentiment.
- 10%InnovationRoadmap, AI features and how it's evolving vs. competitors.
Total: 100%. Scores are recalculated whenever a product ships a major update or changes pricing.
Reader feedback
Tap a star to rate this tool
ProductsVerdict Research Team
Research, comparisons & verdictsProductsVerdict Research Team leads ProductsVerdict's research on guides, evaluating live pricing, public benchmarks, vendor documentation and trial accounts to publish recommendations readers can actually act on. No paid placements, no pre-publication review by brands.
ProductsVerdict is reader supported. When you purchase through some links, we may earn a commission. Our recommendations are based on our independent research process. Read our full disclosure and editorial guidelines.
Keep reading
Best Accounting Software 2026: QuickBooks vs FreshBooks vs Xero Compared
Managing business finances is easier with the right accounting software. The best accounting platforms help businesses:
Best Payroll Software 2026: Gusto vs ADP vs QuickBooks Payroll Compared
Managing payroll correctly is one of the most important responsibilities for a growing business. The best payroll software helps companies:
Best Payment Processors 2026: Stripe vs Square vs PayPal vs Shopify Payments vs Helcim
Stripe, Square, PayPal, Shopify Payments, and Helcim compared on fees, features, ease of use, and overall value for online and in-person businesses.
Best Affiliate Networks 2026: Highest Paying Platforms for Creators, Bloggers & Websites
Affiliate marketing is one of the most popular ways creators and websites earn money online.