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on is an online marketplace where business owners can compare loan offers from various lenders. Small business owners can shop for loans ranging from $10,000 to $3 million, as well as business lines of credit.

Our in-depth analysis of the company includes its eligibility requirements and loan types. Read on to find out if this online marketplace might be where you find a loan well-suited to your funding needs.

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Best for comparing loan providers is one of the best alternative — as in, not a national bank — lenders because it makes it easy to compare small business loan offers.

The online application process is straightforward. After answering basic questions, will use an algorithm and data from previous customers to match you with the best funding options. In other words, you can get a loan without talking to a loan specialist.

If you do need help with documentation or have any questions about the process, has loan specialists available. small business loans pros and cons


  • Works with lenders that provide same-day funding

  • Compare loan offers from multiple lenders

  • View offers with soft credit pull (no impact on your credit score)


  • Requires a minimum of $75,000 in annual sales

  • Minimum time in operation between one and two years

  • Customer service information unclear on the company website

Pros explained

Works with lenders that provide same-day funding

Some lenders offer same-day funding of loans, especially with shorter-term lenders. This process is faster than the weeks, or even months, it can take to get a loan from a traditional lender.

Allows for easy and quick comparison between loans lets you quickly and easily compare loans. Fill in a three-minute questionnaire and will match you with the top funding options. You can then compare and contrast your options.

View offers with soft credit pull (no impact on your credit score)

Your credit won’t be affected by looking at offers, as only performs a soft credit check (also known as a soft inquiry). You won’t see a hard pull on your credit (which can affect your score) until you apply for a loan.

Cons explained

Requires a minimum of $75,000 in annual sales

Your company must make at least $75,000 annually to qualify for a loan from a lender. This threshold may exclude new or smaller sole proprietorships and businesses.

Minimum time in operation is between one and two years

Your business needs to have been in operation for a minimum of one to two years to qualify with a lender. This requirement means brand-new businesses aren’t eligible to apply.

Customer service information unclear on the company website does not display its email, phone number or address on its main pages or website footer — you must go to its Privacy Policy to find this information. small business loans offerings

With any business loan, it’s important to consider how interest rates and fees will affect your ability to repay. Before considering a loan, use the best business accounting software for small businesses to make sure you have a solid picture of your financials.

Below are details on the types of loans offers.

Shorter-term loans

Shorter-term loans through lenders are paid back in a short time frame, usually between three and 24 months. Typical uses of short-term loans include equipment, inventory or software purchases, working capital and marketing. Short-term loans give business owners quick access to funds with more flexible underwriting standards.

Fees, such as origination and documentation fees, are typically included with shorter-term loans. Some lenders offer the option to pay these fees upfront or add them to the loan balance.

Longer-term loans

Longer-term loans at typically have repayment schedules between one and five years with amounts of up to $500,000. These types of loans are ideal for big projects, like a major expansion or opening a new location.

Remember that longer-term loans typically require you to pledge collateral, such as real estate. The lender can seize the collateral if you fail to repay the loan. Like with shorter-term loans, fees (e.g., origination, documentation, closing fees) are often added to the amount borrowed.

Business line of credit

A business line of credit (LOC) is a flexible loan that offers a fixed amount of capital you can access at any time. You can tap into all or part of a line of credit up to a pre-set limit. You’ll pay interest based on the funds as you use them. Funds repaid into your account while it remains open are available to use, too.

There are two kinds of LOCs: secured and unsecured. A secured business line of credit requires collateral, typically in the form of inventory or accounts receivable. Unsecured business lines of credit are often smaller in amount and don’t usually require collateral. Credit requirements are higher and interest rates are less favorable, as the lender is assuming more risk than with a secured business line of credit.

Merchant cash advances

A merchant cash advance (MCA) provides funds in exchange for a percentage of a business’s daily credit card income directly from the processor that settles and clears the credit card payments. Credit score requirements are less strict for MCAs, but the charge for borrowing, also called the repayment rate, is high. An MCA could cost between 20% to 40% of the amount borrowed, plus additional fees.

Merchant cash advances do not usually require a true personal guarantee, so they may be riskier for lenders, hence the high repayment charges. How much you can borrow and the deadline for repayment with each MCA is based primarily on a business’s credit card processing history and an analysis of potential future sales. small business loans pricing does not disclose its marketplace lenders’ loan specifics. To see loan offers, you must enter information about your business, desired loan amount, personal credit score and other factors via the online application at

Often, borrowers with lower credit scores are required to pay higher interest rates. Certain lenders in the marketplace may also charge additional costs, such as origination and documentation fees. After you successfully apply for a loan, the lender will discuss all the information regarding fees and the repayment schedule with you.

If you take out a line of credit, you will only pay interest on the funding you actually use. Although there is no timeframe for repaying a line of credit, repayment is often more frequent than monthly. It’s also in your best interest to pay the line of credit funds back as soon as possible since interest begins to accrue from the first day you borrow the money until the day you pay it back.

You will pay directly from your incoming cash or credit card sales if you take out a merchant cash advance. Exact terms will vary by lender. small business loans financial stability

Financial stability is vital for financial institutions like loan providers. You can determine loan providers’ financial strength ratings from credit rating agencies like Demotech, AM Best and DBRS, Inc.

According to’s Terms and Conditions page, is officially registered as SSBV LLC, which was incorporated in Delaware in 2020. However, there are no listings for SSBV LLC or on AM Best, Standard & Poor’s or Moody’s, three of the major credit rating agencies. small business loans accessibility is accessible and has numerous free resources, including a frequently asked questions page and a blog. However, it could be more transparent about its contact information.


According to’s Terms and Conditions page, services are available to users above 18 years old who live in the United States or any of its possessions or territories. To successfully secure a loan, applicants must also meet eligibility requirements (time in business, annual revenue, personal credit score) set by lenders.

Contact information

Unlike most other lenders, does not provide an email address, phone number or address on its main website pages. You can only find this information on its Terms and Conditions page.

According to this page, you can contact’s main office at 844-585-0656.’s main office is located at SSBV LLC c/o The Corporation Trust Co, Corporation Trust Center 1209 Orange St., Wilmington, Delaware 19801.

You can email using the following:

  • For intellectual property rights complaints:

  • Feedback and account security and technical support issues: lacks clear information on its customer service operating hours.

User experience offers business owners a simple way to compare funding offers and apply for loans online.

To get started, you must submit the necessary details, such as the type of business you own, how much you need and what you’re seeking funding for. will use a special algorithm and previous customers’ data to match you with suitable funding options.

If you have questions about the documentation or loan application process, you can request to speak with a loan specialist. also provides free resources for small business owners, including:

  • Information about how to start a business

  • A comprehensive guide on shorter-term and longer-term online business loans

  • Frequently asked questions about small business loans for startups small business loans customer satisfaction

Customers were generally satisfied with’s website and customer service.

On one popular online review site, has a rating of 4.8/5 stars. Ninety-nine percent of these reviews gave a 5-star rating, and 1% gave the company a 4-star rating.

According to these reviews, users find the customer service staff to be thorough, responsive and professional. Support staff walked customers through the loan process and explained different options. By the end of their phone calls, many customers felt educated and confident enough to make good decisions. small business loans FAQ

How does work? is a marketplace lender that uses algorithms to match you with funding options based on the information you supply about your business, credit score and other factors. To start, go to and click “Get Started” to fill in a three-minute questionnaire. will match you with the best funding options. You can then pick the best loan for your needs.

What are’s eligibility requirements?

You are only eligible for if your company makes a minimum of $75,000 in annual sales. Credit score requirements also apply; these requirements vary by lender.

Does offer loans of its own?

No, does not offer loans of its own. It matches borrowers with offers from lenders in its online marketplace.

Is safe to use?

Yes, is safe to use. has 67 positive reviews on a third-party online review platform.

How we evaluated small business loans

We evaluated’s small business loans by looking at the following:

  • Online application process

  • Small business loan offerings

  • Accessibility and transparency

  • User experience

  • Customer ratings and reviews

Summary of Money’s small business loans review is an online marketplace that connects small business owners to loan offers from various lenders, some of which offer same-day funding to your business checking account. The platform allows for quick and easy comparisons between loan offers. To see offers, uses a soft credit check with no impact to your score.

Additionally, provides excellent customer service. Over 60 users have rated 5/5 stars on third-party review sites. They praised its service staff for their professionalism, responsiveness and thoroughness.

However, isn’t for everyone. Companies must make a minimum of $75,000 in annual sales to qualify for a small business loan. Businesses must also be in operation between one and two years.

Additionally, it’s challenging to find’s customer service contact information. This lack of transparency and accessibility can cause a lot of frustration and anxiety, especially if you’re new to lending.

For other small business loan providers, see Money’s guide to the best small business loans. Also, if you haven’t already, be sure to take advantage of our guide to how to get a free business phone number. You can also read our review of the best business cell phone plans.

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