Fund your business with flexible options up to $500K
From working capital to equipment purchases, compare business term loans, lines of credit, and SBA-backed products in one place.
Businesses funded
12K+
Average approval speed
24 hrs
Choose the best financing for payroll, inventory, or expansion
RateRoots connects you with lenders offering SBA 7(a), term loans, merchant cash advances, and revolving lines of credit. Tell us about your business and we’ll surface funding that matches your revenue and industry.
Business term loan vs. line of credit
Term loan
Receive a lump sum with fixed repayment schedule—ideal for equipment or expansion.
- Predictable payments
- 1–5 year terms
- Competitive fixed rates
Line of credit
Draw working capital as needed and pay interest only on the amount you use.
- Flexible cash flow
- Reuse funds after repayment
- Great for seasonal businesses
How business financing works with RateRoots
Complete the funding quiz
Share revenue, credit, and use of funds.
3 minutesCompare offers
View SBA, term loan, and credit line options tailored to your profile.
Verify documents
Upload bank statements, tax returns, and business licenses.
Get funded fast
Receive capital as soon as 24 hours after approval.
Common business loan requirements
Exact criteria vary by lender and product. Use these benchmarks to prepare.
Monthly revenue
$10K+
3–6 months of bank statements
Time in business
6+ months
2+ years for SBA preferred
Credit score
600+
650+ yields expanded options
Purpose
Growth or working capital
Use cases help match the right lender
Project your business loan payment
Adjust loan amount and term to see how funding fits your cash flow.
Marketplace lenders
30+
National, regional, and fintech partners
Max funding
$500K
Even higher for SBA guarantees
Repeat borrowers
48%
Businesses funded more than once
Frequently asked questions
Secure the capital your business deserves
Tell us about your business to match with top funding offers.
One application, 30+ lenders, no obligation.