How much do you need?
We’ll start with a brief questionnaire to better understand the unique needs of your business.
Once we uncover your personalized matches, our team will consult you on the process moving forward.
Here are 12 low-revenue business loans
Lender | NerdWallet Rating▼ | Max loan amount▼ | Min. credit score▼ | Next steps |
---|---|---|---|---|
JR Capital Equipment Financing with Fundera by NerdWallet | 4.1/5 Best for no minimum revenue requirement | $10,000,000 | 620 | with Fundera by NerdWallet |
AltLINE - Invoice Factoring Read Review | 4.4/5 Best for no minimum revenue requirement | $10,000,000 | 300 | Read Review |
American Express® Business Line of Credit* Read Review | 4.6/5 Best for minimum revenue requirement of $50,000 or less | $250,000 | 660 | Read Review |
Headway Capital - Line of credit | 4.7/5 Best for minimum revenue requirement of $50,000 or less | $100,000 | 625 | with Fundera by NerdWallet |
Bank of America Cash Secured Line of credit Read Review | 4.6/5 Best for minimum revenue requirement of $50,000 or less | Undisclosed | 670 | Read Review |
Funding Circle - Online term loan | 4.5/5 Best for minimum revenue requirement of $50,000 or less | $500,000 | 660 | with Fundera by NerdWallet |
Accion Opportunity Fund - Small Business Working Capital Loan Read Review | 4.6/5 Best for minimum revenue requirement of $50,000 or less | $250,000 | 570 | Read Review |
Giggle Finance Merchant Cash Advance | Best for minimum revenue requirement of $50,000 or less | $5,000 | 300 | with Fundera by NerdWallet |
Bank of America Business Advantage Unsecured Term Loan Read Review | 4.8/5 Best for minimum revenue requirement of $100,000 or less | Undisclosed | 700 | Read Review |
Fundbox - Line of credit Read Review | 4.9/5 Best for minimum revenue requirement of $100,000 or less | $150,000 | 600 | Read Review |
OnDeck - Online term loan | 4.7/5 Best for minimum revenue requirement of $100,000 or less | $250,000 | 625 | with Fundera by NerdWallet |
Reliant Funding Merchant Cash Advance | Best for minimum revenue requirement of $100,000 or less | $400,000 | 525 | |
Here are 12 low-revenue business loans
Best for no minimum revenue requirement
Best for minimum revenue requirement of $50,000 or less
Best for minimum revenue requirement of $100,000 or less
Max Amount
$400,000
Min. Credit Score
525
I'M INTERESTED IN:
Our picks for
no minimum revenue requirement
Self-collateralizing loans like equipment financing and invoice financing may not have set revenue requirements.
JR Capital Equipment Financing
Pros
- Funding available within 48 hours.
- Competitive rates and repayment terms.
- Flexible payment options available, including deferment options for certain industries.
- No down payment required.
Cons
- Must have good credit to qualify for no prepayment penalties.
- Charges an origination fee.
JR Capital Equipment Financing
Pros
- Funding available within 48 hours.
- Competitive rates and repayment terms.
- Flexible payment options available, including deferment options for certain industries.
- No down payment required.
Cons
- Must have good credit to qualify for no prepayment penalties.
- Charges an origination fee.
Qualifications:
- Minimum credit score: 620.
- Minimum time in business: Typically two years, but can prioritize industry experience in some cases.
- No minimum annual revenue requirement.
AltLINE - Invoice Factoring
Pros
- Capital available within 24 to 48 hours.
- No collateral required.
- Manages payment collection from your customers.
- Accepts startups and businesses with bad credit.
Cons
- Fees can become expensive the longer it takes your customers to pay.
- Difficult to compare factoring costs to other types of business loans.
AltLINE - Invoice Factoring
Pros
- Capital available within 24 to 48 hours.
- No collateral required.
- Manages payment collection from your customers.
- Accepts startups and businesses with bad credit.
Cons
- Fees can become expensive the longer it takes your customers to pay.
- Difficult to compare factoring costs to other types of business loans.
Qualifications:
- All credit scores may be accepted (ranging from 300 to 850).
- No minimum time in business requirement.
- No minimum annual revenue requirement.
- Must be a B2B business.
Our picks for
minimum revenue requirement of $50,000 or less
The smaller the revenue amount generated by your business, the more limited your loan options. But some lenders offer products for businesses with just $50,000 in annual revenue.
American Express® Business Line of Credit*
Pros
- Streamlined application process with minimal paperwork.
- Financing from $2,000 to $250,000 available.
- Accepts borrowers with a minimum FICO score of at least 660 at the time of application.
- Monthly repayment schedule (as opposed to daily or weekly).
- No prepayment penalties, account maintenance fees or draw fees.
Cons
- Must have online checking or PayPal account to verify cash flow.
- Personal guarantee required.
- Complex monthly fee structure makes it difficult to compare costs to other lenders.