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Best Business Loans – USA

Best Business Loans

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USA – Mai 2025
  • Suitable for: Growing businesses, startups & venture-backed companies
  • Compare offers to save money, compare loan details to save time
  • Find the perfect fit for your business goals
Last Updated Mai 2025
  • Suitable for Growing businesses
  • Compare fees to save costs
  • Find the perfect fit for you
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken Products Amount Interest Rates Benefits Punkte
Line of Credit,
Business Term Loan
5.9- 7.8%
  • Instant access to funds
  • Apply with no impact to personal credit
  • Competitive pricing and repayment terms
More info
9.8
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Bluevine Review

Zahlungen

Approval Process

As fast as 24 hours

Repayments

On a predictable schedule of up to 24 months

Min Revenue

Weekly plan $40K monthly or $480K annually

 

 

 

 

Monthly plan $80K monthly or $960K annually

Kontoführungs-Tools

  • green-check-mark Bill pay
  • green-check-mark Free unlimited invoicing
  • green-check-mark Expense Management
  • green-check-mark Payment approvals

Sicherheitsfunktionen

  • Deposits up to $3,000,000 are insured by Coastal Community Bank; Member FDIC and their program banks.

Kontozugriff

Based on 8,232 reviews
Visit Site
Quick Loans,
Term Loans,
Line of Credit
6.14- 12.47%
  • Customizable funding to suit your needs
  • Fixed interest rates
More info
9.5
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U.S. Bank bewertung

Zahlungen

Origination Fee

$0

Flexible Terms

Up to 84 months

Additional Loans
  • Real estate Loans
  • SBA
  • PPP
  • Diversity Lending

Kontoführungs-Tools

  • green-check-mark Billpay
  • green-check-mark Cash deposit
  • green-check-mark Savings
  • green-check-mark Invoicing

Sicherheitsfunktionen

  • Deposit products (up to $250k) offered by U.S. Bank National Association. Member FDIC

Kontozugriff

Based on 1 reviews
www.usbank.com
SBA, Commercial Real Estate,
Venture Capital
10%
  • Seamless application process
  • Personalized experience designed by experts
More info
9.1
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Grasshopper bewertung

Zahlungen

Domestic Transfers

Free incoming and outgoing ACH and Wire Transfer

 

International Transfers
  • International Wire Out: $25
  • International Wire In: $5
Checks

Mobile Check Deposit & Mailed Checks

Debit Card

Visa Rewards Debit Card with cash back & virtual cards. Earn more with Visa SavingsEdge.

Kontoführungs-Tools

  • green-check-mark Quickbooks
  • green-check-mark Bill Pay
  • green-check-mark Autobooks
  • green-check-mark Plaid
  • green-check-mark Digital Invoicing
  • green-check-mark Additional tools & Integrations available

Sicherheitsfunktionen

  • Grasshopper, Member FDIC. Deposits are insured up to $250,000.
  • Clients also have access to enhanced FDIC insurance up to $125 million. 

Kontozugriff

Based on 112 reviews
Visit Site
Term Loans,
Commercial Loans
11.50- 16.50%
  • SBA Preferred lender
  • Fixed and variable rate options
More info
8.8
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Live Oak bewertung

Zahlungen

Penalties

No prepayment penalties

Additional Loans
  • SBA
  • USDA

Kontoführungs-Tools

  • green-check-mark Quickbooks

Sicherheitsfunktionen

  • Deposits are insured up to $250,000 by Live Oak bank, Member FDIC

Kontozugriff

Based on 308 reviews
Visit Site
Business Term Loan,
Line of Credit
5%
  • Same day funding
  • Get a decision in as fast as 24 hours
More info
8.5
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NorthOne bewertung

Zahlungen

Card type
  • Mastercard Business debit
Checks
  • Deposit checks from phone/web
  • Send a check via mail
Fee free
  • ACH | deposits | transfers | purchases

Kontoführungs-Tools

  • green-check-mark QuickBooks
  • green-check-mark FreshBooks
  • green-check-mark Patriot
  • green-check-mark Zoho Books

Sicherheitsfunktionen

  • Deposits up to $250k are insured by Bancorp Bank; Member FDIC

Kontozugriff

Based on 159 reviews
Visit Site
SBA,
Line of Credit
11.79- 20.84%
  • Personalized lending solutions
  • Competitive and flexible rate options
More info
8.2
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Axos bewertung

Zahlungen

Cash Deposits
  • N/A
Minimum Opening Deposit
  • $100
Domestic Transfers
  • Free ACH transfers
  • $15 for outgoing wire transfers
International Transfers
  • $50 for outgoing international wire transfer

Kontoführungs-Tools

  • green-check-mark Savings tools
  • green-check-mark Bill pay
  • close-mark-black Expense Management
  • close-mark-black Invoicing
  • green-check-mark QuickBooks integration

Sicherheitsfunktionen

  • Deposits up to $250k are insured by Axos Bank; Member FDIC

Kontozugriff

Based on 1 reviews
Visit Site
Punkte 9.8
Bluevine Review
Interest Rates 5.9- 7.8%
Products Free Plan
Amount
  • USD
Based on 8,232 reviews
Benefits
  • Business loans are available up to $250K
  • Up to 5 sub-accounts with unique account no.
  • Dedicated secure access for team members
  • Automated payment for vendors
  • Wire transfers to 26 countries outside of the U.S
  • Paper checkbooks available
  • Unlimited transactions
  • Checkbooks, cash deposit & no-fee ATMs in 37,000 locations
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Our top choice
1
9.8
Seite besuchen
  • Apply with no impact to personal credit
More info + Loan Amount $250K
Punkte 9.5
U.S. Bank bewertung
Interest Rates 6.14- 12.47%
Products $0 / $20 / $30
monthly fee
Amount
Based on 1 reviews
Based on 1 reviews
Benefits
  • Up to 3.56% APY on money market savings account
  • $100 minimum deposit is required to open an account
  • At least 125 free transactions per month
  • Checkbooks, cash deposit & no-fee ATMs in 2,000 locations
  • Deposits up to $250k are insured by U.S. Bank National Association; Member FDIC
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2
9.5
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  • Customizable funding to suit your needs
More info + Loan Amount $5K – $5M
Punkte 9.1
Grasshopper bewertung
Interest Rates 10%
Products Free Plan
Amount
  • USD
Based on 112 reviews
Benefits
  • Open an account online in just 5 minutes
  • Free incoming and outgoing ACH & Wire Transfer
  • Bill Pay
  • Digital Invoicing 
  • Cash Flow Management & Budgeting Tools
  • Member FDIC. Deposits insured up to $250K
  • Access to enhanced FDIC insurance up to $125M
  • Integrations with Quickbooks, Autobooks, Plaid & more
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3
9.1
Seite besuchen
  • Earn up to 1.80% APY and 1% Cash Back
More info + Loan Amount $1M – $5M
Punkte 8.8
Live Oak bewertung
Interest Rates 11.50- 16.50%
Products Free plan
Amount
  • USD
Based on 308 reviews
Benefits
  • Human-powered support
  • No fees on incoming wire transfers
  • No account opening or monthly maintenance fees
  • Access over 55,000 free in-network ATMs
  • Bill pay service available
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4
8.8
Seite besuchen
  • Fixed and variable rate options
More info + Loan Amount $115K – 15M
Punkte 8.5
NorthOne bewertung
Interest Rates 5%
Products Free Plan
Amount
  • USD
Based on 159 reviews
Benefits
  • Deposits are FDIC-insured to at least $250,000
  • Human powered customer support
  • Cash deposit available at 300,000 locations
  • $15 fee for incoming/outgoing wire transfers
  • Same Day ACH transfer
  • Integrates with multiple apps including: Stripe, Square, Paypal, Wise, Woocommerce, Amazon, Ebay, Etsy, Shopify, Expensify, Wave, Quickbooks, Gusto, Airbnb, Lyft, and more
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5
8.5
Seite besuchen
  • Get a decision in as fast as 24 hours
More info + Loan Amount $10K – $250K
Punkte 8.2
Axos bewertung
Interest Rates 11.79- 20.84%
Products $10/month
$5K min. balance
Amount
  • USD
Based on 1 reviews
Based on 1 reviews
Benefits
  • Waive monthly fee with minimum average daily balance of at least $5k
  • Cash deposits via MoneyPass and AllPoint networks
  • $100 minimum opening deposit
  • First set of 50 checks free
  • QuickBooks integration
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6
8.2
Seite besuchen
  • Domestic ATM fee reimbursements
  • Eligible customers earn 1.01% APY up to $50k
More info + Loan Amount Up To $5M

Top 3 Banks For Business Loans

Find the best fit for your business

9.8
Business loans to power your growthVist site
9.5
Find the financing that meets your business needsVist site
9.1
Digital banking designed to drive your business forwardVist site

Customer Experience

Bluevine has a clean and simple dashboard with smooth features. I am using it for the business checking account as well as paying subcontractors via ACH. Very useful. ALSO and probably MOST IMPORTANTLY, their chat support is fantastic…
S
Spencer Ingram
Jan 5, 2024
As a self-employed freelancer, Bluevine takes care of all of my basic needs. I can track my income, send contractors payments, send bills, export monthly reports, issue/receive 1099s, and the menu is all in one column. Very easy to us…
J
Juliet Peterman
Jan 4, 2024
Hands down the best app for LLC banking purely online
B
Brian Fiederlein
Jun 10, 2023
I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
I have banked with US bank for 8 years now and have had an amazing experience. I love that the app is simple and easy to use
H
Hannah Noonan
May 27, 2024
I have been with U. S. Bank for years and if I have a problem they are right there to fix it. Great customer service.
W
Wonetta Miller
Jan 23, 2020
Sometimes someone does something exceptional that changes your life. An employee at a U.S. Bank branch did for me.
B
Barb Gottas
Aug 23, 2023
I have a card with them and whenever I have a question I use their online chat or rarely call. They respond in less than a minute and they are KNOWLEDGEABLE.
V
VanessaL
Jul 17, 2023
The online access creation and funding of the account was beyond seamless! I even sent a message to inquire about opening a savings as well! Literally rcv’d a response in an hour. I see now why this was a top priority 10 online bank…
L
L. Scott
May 15, 2024
There are real and friendly people to help when the online experience is not solving an issue. Responses are quick and have resolve the issue or answered the question with minimal back and forth.
W
William Jackson
May 18, 2024
We are a start up company and have had a wonderful experience with Grasshopper Bank. From ease of setting up the account to clear communication and easy access to support staff when needed, I can’t say enough about this bank.
R
Robin S.
May 8, 2024
It was easy enough to set up the account and start conducting business with them.
K
Kristie Barrow
May 12, 2024

Business Loans: A Guide to Secure Funding

The world of business loans can feel overwhelming, but with the right knowledge, you can unlock the key to growth. This guide equips you to navigate loan options with confidence. Consider these factors: target lenders based on your business stage (startup, established) or industry expertise. Explore loan options like term loans for specific projects, lines of credit for ongoing expenses, or SBA loans with government backing. Remember, interest rates, repayment periods, and prepayment penalties can significantly impact your bottom line, so comparison is crucial. Finally, prioritize features that simplify your experience, such as fast funding, flexible terms, or dedicated loan specialists. By understanding these elements, you’ll be empowered to make informed decisions and secure the right financing to propel your business forward.

Business Loans: A Guide to Secure Funding

The world of business loans can feel overwhelming, but with the right knowledge, you can unlock the key to growth. This guide equips you to navigate loan options with confidence. Consider these factors: target lenders based on your business stage (startup, established) or industry expertise. Explore loan options like term loans for specific projects, lines of credit for ongoing expenses, or SBA loans with government backing. Remember, interest rates, repayment periods, and prepayment penalties can significantly impact your bottom line, so comparison is crucial. Finally, prioritize features that simplify your experience, such as fast funding, flexible terms, or dedicated loan specialists. By understanding these elements, you’ll be empowered to make informed decisions and secure the right financing to propel your business forward.

How to Compare and Choose the Best Business Bank?

Banking Features
Check for a variety of payment options, local and international money transfer services, corporate cards, account types and available currencies, as well as integrated invoicing and bookkeeping tools.
Fees
Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.
Corporate Card
All business accounts offer MasterCard or Visa corporate cards for you and your employees. Verify the number of free cards included in your chosen plan and the cost of each additional card.
Security
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
Accounting Tools
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
Account Access
Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.

How to Compare and Choose the Best Business Bank?

Banking Features
Accordeon button
Check for a variety of payment options, local and international money transfer services, corporate cards, account types and available currencies, as well as integrated invoicing and bookkeeping tools.
Fees
Accordeon button
Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.
Corporate Card
Accordeon button
All business accounts offer MasterCard or Visa corporate cards for you and your employees. Verify the number of free cards included in your chosen plan and the cost of each additional card.
Security
Accordeon button
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
Accounting Tools
Accordeon button
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
Account Access
Accordeon button
Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.