Small Business Loans: Compare All Options & Get Funded in 24 Hours

    Explore the full range of small business financing options. From working capital to SBA loans to lines of credit — find the right funding for your goals. No hidden fees. No impact to your credit score.

    No credit impactSoft pull only
    24-hour fundingFast approval
    30,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    $2.5B+
    In business fundingDeployed to SMBs nationwide
    4.9
    Customer ratingBased on 12,000+ reviews
    95%
    Approval rateAmong qualified applicants
    12 hrs
    Average funding timeFrom application to offer

    Compare options

    All loan types, side by side.

    Loan TypeAmountTermEst. APRBest For
    Working Capital Loans$5K–$500K3–36 months8%–35%Payroll, inventory, growth
    Merchant Cash Advance$10K–$500K3–18 monthsFactor 1.1x–1.5xDaily sales-based repayment
    Business Line of Credit$10K–$500KRevolving8%–28%Cash flow management
    SBA Loans$50K–$5M5–25 years7.49%–13%Large, long-term investments
    Equipment Financing$10K–$2M1–7 years6%–24%Machinery & equipment purchases
    Secured Business Loans$25K–$5M1–10 years7%–22%Lower rates with collateral
    Commercial Business Loan$50K–$5M1–10 years8%–20%Expansion & acquisitions
    Long-Term Loans$25K–$2M2–10 years7%–18%Major capital investments
    Loans for Bad Credit$5K–$400K3–24 months15%–35%Credit scores under 600
    Small Business Cash Advance$5K–$500K3–18 monthsFactor 1.1x–1.5xFast capital, flexible repayment

    Why GBB Loans

    Small business funding, done right.

    01

    No Credit Score Impact

    Our prequalification uses a soft pull only — your credit score stays exactly where it is. Check your options completely risk-free.

    Soft pull only
    02

    Fast 24-Hour Funding

    Get approved and funded in as little as 24 hours. No weeks of waiting, no mountains of paperwork — just fast capital when you need it.

    24-hour turnaround
    03

    Multiple Loan Options

    From working capital to SBA loans to lines of credit — find the perfect financing product for your business needs, timeline, and goals.

    10+ loan types
    04

    Dedicated Funding Advisor

    A real person guides you through every step — from application to funding. You're never alone in the process.

    1-on-1 support

    Financing Solutions

    The right funding, for your business.

    Most Popular

    Working Capital Loans

    A lump sum of capital to cover payroll, inventory, or seize an opportunity. Fast approval, flexible terms, revenue-based options.

    • $5K–$500K loan amounts
    • Terms from 3 to 36 months
    • Funds in as little as 24 hours
    • No collateral required
    Fastest Funding

    Merchant Cash Advance

    Get funding based on your future sales — no fixed monthly payments, no collateral required. Perfect for any credit profile.

    • $10K–$500K advances
    • Factor rates from 1.1x
    • Same-day funding available
    • Automatic repayment
    Most Flexible

    Business Line of Credit

    A revolving credit line you can draw from any time. Only pay interest on what you use — perfect for managing cash flow.

    • $10K–$500K credit limits
    • Draw funds whenever needed
    • Revolving — repay and redraw
    • Ideal for seasonal businesses
    Lowest Rates

    SBA Loans

    Government-backed loans offering the lowest rates and longest terms for qualified businesses. Ideal for expansion, real estate, and major investments.

    • $50K–$5M loan amounts
    • Terms up to 25 years
    • APR from 7.49%
    • Government-backed guarantee
    Asset-Based

    Equipment Financing

    Finance machinery, vehicles, or technology with the equipment itself as collateral. Preserve your cash flow while investing in growth.

    • $10K–$2M financing
    • Terms from 1 to 7 years
    • Equipment serves as collateral
    • 100% financing available
    Lower Rates

    Secured Business Loans

    Offer collateral to unlock larger loan amounts and lower interest rates. Best for established businesses with assets.

    • $25K–$5M loan amounts
    • Terms from 1 to 10 years
    • Lower rates with collateral
    • Real estate & asset-backed
    Growth Capital

    Commercial Business Loan

    Large-scale financing for established businesses looking to expand, acquire, or invest in significant growth opportunities.

    • $50K–$5M loan amounts
    • Terms from 1 to 10 years
    • Competitive APR from 8%
    • Expansion & acquisitions
    Extended Terms

    Long-Term Loans

    Spread your payments over years with predictable monthly installments. Ideal for major capital investments and long-term planning.

    • $25K–$2M loan amounts
    • Terms from 2 to 10 years
    • Fixed monthly payments
    • Major capital investments
    All Credit Welcome

    Loans for Bad Credit

    Don't let your credit score hold you back. Revenue-based underwriting means your cash flow matters more than your FICO score.

    • $5K–$400K loan amounts
    • Credit scores under 600 OK
    • Revenue-based approval
    • Fast 24-hour funding
    Quick Capital

    Small Business Cash Advance

    Get a lump sum advance based on your future receivables. Flexible repayment that adjusts with your sales volume.

    • $5K–$500K advances
    • Same-day funding available
    • No fixed monthly payments
    • Flexible repayment terms

    How it works

    Three simple steps to funding.

    Prequalify

    Fill out one simple form.

    A straightforward 2-minute form — no bank visits, no hard credit pull. Just the basics about your business and how much capital you need.

    2 minto complete
    Get Matched

    See your best options.

    A dedicated funding advisor reviews your profile and presents the best offer tailored to your business — no comparison shopping on your end.

    Same daydecision
    Get Funded

    Receive your funds.

    Sign your agreement and the money moves. Our average funding time is just 24 hours from approval to your business bank account.

    24 hrsavg. funding time
    No hard credit pull Free to apply No hidden fees

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free

    Common questions

    Everything you need to know about small business loans.

    Real results

    Trusted by thousands of business owners.

    "I applied on a Tuesday morning and had the funds in my account by Wednesday afternoon. Absolutely seamless. GBB Loans made the entire process feel effortless."

    Funded $85,000
    M
    Marcus T.Restaurant owner, Atlanta GA

    "After being turned down by two banks, GBB Loans approved me in hours based on my cash flow. Game changer for my boutique business."

    Funded $42,000
    S
    Sandra R.Boutique owner, Phoenix AZ

    "The line of credit saved my inventory during peak season. No hard pull, no stress — just capital when I needed it most."

    Funded $120,000
    J
    James K.Construction contractor, Denver CO

    Our methodology

    How we evaluate and recommend products.

    E1

    Experience

    Over a decade of direct lending experience with 30,000+ funded businesses. We understand the real challenges small business owners face because we've been solving them since day one.

    10+ years direct lending
    E2

    Expertise

    Every applicant is paired with a dedicated funding advisor who specializes in small business financing. Our team evaluates your full financial picture — not just a credit score.

    Dedicated advisors
    A

    Authoritativeness

    GBB Loans partners with a vetted network of direct lenders and financial institutions. Our recommendations are backed by $2.5B+ in deployed capital and industry-leading approval rates.

    Industry partnerships
    T

    Trustworthiness

    Transparent terms, no hidden fees, and no upfront charges — ever. Every rate, term, and cost is presented clearly before you commit. Our 4.9/5 rating from 12,000+ reviews speaks for itself.

    Transparent terms

    At GBB Loans, every product recommendation is informed by real-world lending experience, rigorous underwriting standards, and a commitment to full transparency. We evaluate each financing option based on cost, speed, flexibility, and suitability — so you can make an informed decision with confidence.