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Interactive Comparison Tool

Business Loan Comparison Tool

Enter your profile below to see approval odds, rates, and funding speed across every loan type — side by side.

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Revenue-Based
MCA		 Short-Term
Loan		 Line of
Credit		 SBA 7(a)
Loan
Approval Odds
Max Amount $350,000 $200,000 $250,000 $5,000,000
Funding Speed 24–48 hrs 1–3 days 2–5 days 2–4 weeks
Min Credit Score 500+ 550+ 580+ 650+
Min Time in Business 6 months 6 months 1 year 2 years
Est. Cost 1.15–1.49× factor 1.09–1.35× factor 8–24% APR 10.5–13% APR
Collateral None None None (most) May be required
Best For Low credit / fast need Predictable payback Ongoing working capital Lowest rate, long term
Apply → Apply → Apply → Apply →

Factor rate products (MCA, short-term) use a multiplier on your advance — e.g. 1.30× means you repay $1.30 for every $1.00 borrowed. APR products (line of credit, SBA) use annual interest. All rates shown are estimates. Actual offers depend on your full application.

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Frequently Asked Questions

Common questions about comparing business loan options.

A Merchant Cash Advance (MCA) is repaid as a percentage of your daily sales and is approved based on revenue, not credit score. A traditional business loan has fixed scheduled payments. MCAs are faster and easier to qualify for; traditional loans have lower overall cost.
Revenue-Based Funding (MCA) is the fastest — approval can happen within hours and funding arrives within 24 hours. Short-term loans typically fund in 1–3 business days. SBA loans take 2–4 weeks due to government processing.
Most business lines of credit require a minimum credit score of 580. Some lenders approve at 560+ with strong monthly revenue. Premium lines of credit with the best rates typically require 650 or higher.
SBA 7(a) loans generally require a credit score of 650+, 2+ years in business, $75,000+ in annual revenue, and U.S. citizenship or permanent residency. The trade-off for stricter requirements is lower interest rates (10.5–13% APR) and longer repayment terms.
Yes. Revenue-Based Funding (MCA) approves applicants with credit scores as low as 500, based primarily on your monthly bank deposits. If your business generates consistent revenue of $10,000+ per month, you have a strong chance of approval regardless of credit history.