Looking for a loan for your business? See our recommendations below, based on the type of loan you want. Not sure about the kind of loan you want? See our Ultimate Guide to Small Business Loans.
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SBA loans (7(a), 504, microloans), commercial real estate, equipment financing, and business expansion
National Business Capital offers a broad range of loans, but is highly regarded for its SBA loans, term loans, equipment financing, commercial real estate loans, and commercial construction loans.
- Adaptable for established businesses seeking larger funding for property, equipment, or growth opportunities.
- Provides multiple loan options including credit lines and auto loans.
Click here to see more and contact National Business Capital regarding your loan options.
Subprime SBA loans, small business startups, debt consolidation, working capital, and equipment financing
Southend Capital specializes in subprime SBA loans, working capital, equipment financing, and business startup/construction funding for business owners who may have low credit scores, limited collateral, or unique industry profiles. Their offerings are particularly flexible for businesses with challenging profiles, including newer ventures, special-purpose real estate, or debt consolidation needs.
- Serves borrowers with low credit, special needs, or complex loan requests.
- Also offers term loans, equipment financing, working capital, and credit lines.
Click here to see more and contact Southend Capital regarding your loan options.
SBA 7(a) loans, commercial real estate loans, and bank term loans
SmartBiz Bank is primarily known for SBA loans and bank term loans, catering to well-established businesses with good credit.
- Focuses on businesses with at least two years’ operating history and credit scores above 650.
- Ideal for refinancing debt, purchasing equipment, real estate, working capital, and expansions.
Click here to see more and contact SmartBiz Bank regarding your loan options.
401(k) Rollovers for Business Start-ups (ROBS), SBA loans for new/acquiring businesses, and unsecured/equipment/portfolio loans
Guidant Financial is unique for offering 401(k) business financing (ROBS) alongside conventional SBA loans and unsecured/equipment/portfolio loans.
- Excellent choice for owners wanting to use retirement funds without penalty, or seeking flexible loan options including use of securities as collateral.
- Does not generally offer traditional lines of credit.
Click here to see more and contact Guidant Financial regarding your loan options.
Summary
| Company | Best For | Additional Notes |
| National Business | SBA loans, equipment, real estate, term | Multiple loan options for established growth |
| Southend Capital | Subprime SBA loans, startups, equipment | Flexible underwriting for complex/challenged borrowers |
| SmartBiz Bank | SBA 7(a) loans, term loans, real estate | Prefers established businesses with good credit |
| Guidant Financial | 401(k) ROBS, SBA, unsecured, portfolio, equipment | Great for retirement fund rollovers, flexible options |