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Business Cash Advance by Credibly

Credibly is very comparable to other alternative online lenders. Because of their pre-qualification, you can see if you qualify and then research if it's the best option for you.

FUNDING AMOUNT

$5,000 - $400,000

COST

1.34 Average Factor Rate

REPAYMENT TERMS

Daily debits from your bank account for 3 to 18 months

FUNDING AMOUNT

As quickly as 1 business day

Get Expert Insights

Visit our resource center to get all your business loan questions answered. Learn about small business loan rates and fees, what it takes to qualify, how to choose the right loan for your business, and more.

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Small Business Loans: Compare Financing Options

Ty Kiisel

Updated April 18, 2022

Looking for a small business loan? When it comes to small business loans, one size does not fit all. Find the best option to meet your business needs at Nav.

Compare Types of Small Business Loans Financing Options

Type of Small Business Loan Good For Estimated APR Required Credit Score
SBA Loans Low-interest working capital; refinancing debt, equipment 1-15% 155 FICO SBSS *some lenders may require higher
Traditional Bank Loans Versatile loans for a variety of purposes 4-15% 680+ FICO
Merchant Cash Advance Quick access to capital if you don’t have great credit 10-350% 550 FICO *sometimes no score is required
Business Lines of Credit Access to funds when you need them 10-90% 500 – 680+ FICO
Microloans Businesses with thin credit profiles looking for small loan amounts 12-18% Varies
Cash Flow Loans Quick access to cash without great credit 11.0-90% 600 FICO
Alternative Online Loans Quick access to cash without great credit 11.0-90% 600+ FICO
Business Credit Cards Fast turnaround time with less required documentation 7-30% 650+ FICO
Equity Crowdfunding Capital without having to repay; experienced investors can act as mentors Fees often total 5% of amount raised n/a
Reward Crowdfunding Testing out your idea; capital you don’t have to repay Crowdfunding platform: 0-5%
Payment processing: 3%+$.30 per transaction		 n/a
Equipment Financing Capital to buy equipment that doesn’t require asset (other then equipment) 15-35% 620+ FICO
Invoice Financing Leveraging future accounts receivable 15-25% n/a
Trade Credit Building credit 5-25% May or may not be applicable

What is a Small Business Loan?

A small business loan provides much-needed working capital that business owners can use for a variety of functions, including expanding the business, hiring staff, purchasing equipment, or keeping cash flowing. Sometimes lenders require collateral to guarantee small business loans. Typically, the borrower pays back the loan in installments over a designated period of time.

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