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Loans Are Not One Size Fits All

Small business lending has grown more complex than the traditional term loans of the past. These days, there are various loan products available for every kind of borrower. From short-term loans to SBA loans, from invoice financing to equipment financing, LendGenius is here to give your business the power to choose.

The LendGenius marketplace is a comprehensive platform devoted to helping small business owners like you find and qualify for the best possible rate on a loan.

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Business Credit Cards

With generous sign-up bonuses and favorable reward rates, the right business credit card will help you establish business credit, keep business expenses separate, and grow your business with ease.

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amount
Loan Amount Up to $50,000
term
Repayment Terms Revolving credit, usually paid monthly
rates
Interest Rates Intro APR 0% - 24.99%
speed
Time to Funding As little as 60 seconds
Business Line of Credit

Flexible, convenient, and easy to use, a business line of credit gives your company quick access funds. A line of credit is ideal for emergency expenses, temporary downturns, or unanticipated opportunities while only paying interest on the funds you actually use.

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amount
Loan Amount $10,000 - $1 million
term
Loan Terms 6 months - 5 years
rates
Interest Rates 7 - 25%
speed
Time to Funding As little as 48 hours
Short Term Business Loan

Short term business loans provide companies with the necessary business working capital they need to overcome a temporary financial hurdle, pay off higher-interest debt, or quickly jump on a great opportunity when it comes up.

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amount
Loan Amount $2,500 - $250,000
term
Loan Terms 3 - 18 months
rates
Interest Rates 14% and up
speed
Time to Funding As little as 48 hours
Term Loans

Traditional term loans are a useful tool for small businesses to achieve any number of goals.

Whether it’s a major equipment purchase or an expansion, getting that extra infusion of working capital is something that nearly every business needs at some point during its life cycle.

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amount
Loan Amount $25,000 - $500,000
term
Loan Term 1 - 5 years
rates
Interest Rates 7 - 30%
speed
Time to Funding As little as 48 hours
Equipment Financing

Equipment financing companies offer options for all industries, from heavy construction machinery to medical equipment and everything in between.

Any type of business can qualify for this type of financing including equipment loans and equipment leases.

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amount
Loan Amount Up to 100% of equipment value
term
Loan Term Estimated life of equipment
rates
Interest Rates 8 - 30%
speed
Time to Funding As little as 48 hours
Merchant Cash Advance

With a Merchant Cash Advance (or MCA for short) a lender will buy a piece of your business’ future revenues.

You’ll receive the cash advance as a lump sum payment and then make payments from your merchant account that fluctuate along with your daily revenue.

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amount
Loan Amount $2,500 - $250,000
term
Repayment Terms Deducted daily from merchant account
rates
Factor Rates 1.14 - 1.18
speed
Time to Funding As little as 7 days
Invoice Financing

With invoice financing, you are pre-selling your unpaid invoices to another company in exchange for a lump sum payout.

The accounts receivable financing service will retain a fraction of the value while they wait for your customer to pay.

You’ll get the remaining funds owed when the customer has paid, minus the weekly fees that have accrued while waiting for payment.

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amount
Loan Amount 50 - 90% of total value of invoices
term
Repayment Terms When invoice is paid, you receive the remaining 10 - 50% less the factor fee
rates
Factor Rates About 3% + %/week outstanding
speed
Time to Funding As little as 24 hours
SBA Loan

A Small Business Administration (SBA) loan is a government-backed loan that can guarantee billions of dollars each year. Under the SBA’s various loan programs, funds are available for purchasing inventory or equipment, adding to working capital, buying real estate, funding the acquisition of other businesses, or even refinancing other debts.

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amount
Loan Amount $5,000 - $5 million
term
Loan Terms 5 - 25 years
rates
Interest Rates 6 - 13%
speed
Time to Funding As little as 30 days
Personal Loans for Business

It may seem obvious, but many people don’t realize that personal loans can actually be used for business purposes.

In fact, taking out a personal loan for business can be a smart option for business owners who have a high personal credit score, but limited business credit history.

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amount
Loan Amount Up to $100,000
term
Loan Term Up to 7 years
rates
Interest Rates 4 - 36% APR
speed
Time to Funding As little as 4 days
Startup Business Loans

In the absence of a business credit history, you’ll want to leverage strong cash-flow, personal credit score, collateral, peer-to-peer lending, and government assistance to get your start up off the ground. Small business start up loans are available in the form of equipment financing, business credit cards, credit line builders, SBA loans, microloans from nonprofits, personal loans for business, crowdfunding, grants, and more.

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amount
Loan Amount Up to $150,000
term
Loan Terms 6 months - 4 years
rates
Interest Rates 7.9 - 19.9%
speed
Time to Funding As little as 2 weeks