Do not just get a business loan. Get the right loan for your business.
Three funding programs from $20K to $3M. Pick the one that fits how your business actually runs, or apply once and a funding manager matches you to the best fit.
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Compare our 3 business loan options
Each business loan links straight to its full details. Not sure which fits? The comparison table and quick guide below make it simple.
Line of Credit
Draw what you need, repay, and reuse it. Best for ongoing or unpredictable costs.
Short-Term Loan
A lump sum you repay over a short, fixed term. Best for a fast, specific need.
Long-Term Loan US ONLY
Larger amounts, lower monthly payments. Best for bigger investments.
Business loan comparison: rates, terms, and amounts
| Feature | Line of Credit | Short-Term Loan | Long-Term Loan |
|---|---|---|---|
| Amount | $50K - $250K | $20K - $1M | $50K - $3M |
| Rate from | 8.99% | 11.99% | 6.99% |
| Term | 12 - 30 months | 6 - 24 months | 36 - 120 months |
| How it works | Revolving. Draw, repay, reuse. | One lump sum, fixed payback. | One lump sum, longer payback. |
| Best for | Ongoing or uneven cash needs | Fast, one-time needs | Larger investments, lower payments |
| Pay interest on | Only what you draw | Full amount | Full amount |
| Availability | US and Canada | US and Canada | US only |
Which one fits you?
A quick way to narrow it down:
Costs come and go
If you face uneven or repeat expenses, a line of credit lets you draw only what you need and pay interest only on that.
One fast need
If it is a single, time-sensitive cost you can repay quickly, a short-term loan gets capital in fast.
A bigger plan
If you are making a larger investment and want lower monthly payments, a long-term loan spreads it out.
From application to funded
Apply in 60 seconds
One short application with a soft credit pull. No impact to your FICO score to check.
We review and match
A funding manager reviews your bank statements and matches the right program and amount to your business.
Get funded
Most decisions land in 1 to 2 business days, and approved funds can reach your account quickly.
Common questions
What types of business loans does Lend On Capital offer?
Which business loan is right for me?
How much can I borrow?
How fast can I get funded?
Will checking my options affect my credit?
Do I need collateral?
Find your best funding option
Apply once and a funding manager matches you to the right program. About 60 seconds, a soft credit pull, and no FICO impact.
Or call 844-902-3080, Mon to Fri, 9 AM to 6 PM ESTLend On Capital is a financial technology company. The rates shown are the lowest available and reflect tier A+ approvals. Your actual rate, term, and amount depend on your credit, financial position, business profile, and risk score, and may differ from the rates displayed. Rates start from 6.99% APR or equivalent factor rate and vary by program. All funding is subject to credit review. Most programs use a soft credit pull at application, which does not affect your credit score. Some programs may require a hard credit check, which would be disclosed to you before it is run. Long-term funding is available in the US only. "$500M+ delivered" and "10,000+ businesses funded" are approximate cumulative figures since 2020.