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Working Capital
Fast cash for day-to-day ops · 24h funding

Small Business Loans
Term loans up to $500K · structured repayment

SBA Loans
Government-backed · up to $5M · best rates

Lines of Credit
Revolving credit · pay for what you use

Equipment Financing
Finance gear without tying up capital

Invoice Financing
Turn receivables into immediate cash
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How Business Loans Work

The complete borrower's primer

Understanding Your Options

Term loans vs lines of credit vs SBA

What Lenders Look For

Credit, revenue, time-in-business criteria

How to Compare Loan Offers

APR, factor rate, fees decoded

Working Capital vs Traditional

Speed vs cost — which fits your need

How to Protect Your Credit

Borrow smarter, score better

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The Complete Business Borrower's Playbook — Everything You Need Before You Apply
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FEATURED GUIDE

How Business Loans Actually Work — The Complete Borrower's Guide
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Working Capital Small Business Loans SBA Loans Lines of Credit Equipment Financing Invoice Financing

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Industry

Auto repair business loans, built for shop owners
Construction business loans, built for contractors
E-commerce business loans, built for online sellers
Food truck business loans, built for mobile operators
Franchise business loans, built for franchise owners
Healthcare business loans, built for practice owners
Landscaping business loans, built for lawn and landscape operators
Logistics business loans, built for fleet operators
Marketing agency loans, built for creative firms
Restaurant business loans, funded fast
Retail business loans, built for store owners
Staffing agency loans, built for placement and recruiting firms

guides

The Complete Business Borrower’s Playbook — Everything You Need Before You Apply
Working Capital Loans vs Traditional Business Loans — Which Is Right for Your Business?
Annual Revenue Requirements: How Much Do You Need to Qualify?
Your Credit Score and Business Loans: A Complete Breakdown
What Lenders Actually Look For
Equipment Financing vs. Leasing: Which Is Right for Your Business?
Merchant Cash Advances: Fast Money With a Hidden Price
SBA Loans: The Gold Standard for Small Business Funding
Business Lines of Credit: Your Financial Safety Net
Understanding Your Business Loan Options
How Business Loans Actually Work

Independent. Verified. Free. Built entirely for business owners — not lenders, not brokers.

Company

About Us
How We Vet Lenders
Our Mission
Contact Us

Loan Types

Working Capital Loans
Small Business Loans
SBA Loans
Business Lines of Credit
Equipment Financing
Invoice Financing

Resources

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Business Loans IQ is an independent comparison and referral platform. We are not a lender and we do not make credit decisions. The lenders featured on this platform have been reviewed by our team but we do not guarantee the accuracy of lender information or the terms of any loan offer. Loan approval, rates, and terms are determined solely by the lender based on your individual business and financial profile.

Business Loans IQ may receive compensation from lenders when a connection is made through our platform. This compensation does not influence which lenders are featured or how they are ranked. Our editorial standards are independent of our commercial relationships.

Business loan products involve financial risk. We encourage all business owners to review loan terms carefully and consult with a qualified financial advisor before entering into any lending agreement.

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