Best Business Loans for Startups 2026
by Anonymous
Startup business loans can provide crucial capital for launch costs, inventory, equipment, and working capital. Traditional bank loans typically require two years of business history, so startups often turn to SBA microloans, online lenders, or revenue-based financing. Approval criteria, funding speed, and total cost of capital vary widely, making comparison shopping essential for founders.
SBA Microloans
$500–$50,000
loan amounts
8–13%
apr range
Startups eligible
minimum time in business
2–4 weeks
funding speed
Varies by intermediary
collateral required
620+
credit score minimum
Fundbox
$1,000–$150,000
loan amounts
4.66% per draw
apr range
6 months
minimum time in business
Next business day
funding speed
No
collateral required
600+
credit score minimum
Kabbage (Amex)
$2,000–$250,000
loan amounts
2–9% monthly
apr range
12 months
minimum time in business
Minutes (line of credit)
funding speed
No
collateral required
640+
credit score minimum
Clearco
$10K–$20M
loan amounts
6–12% flat fee
apr range
6 months revenue
minimum time in business
24–48 hours
funding speed
No equity, revenue-based
collateral required
Not credit-based
credit score minimum
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