Easy small business loans offer fast funding and flexible qualifications for U.S. entrepreneurs. This guide highlights top options to fuel business growth.
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Securing funding is a critical step for small business owners. Best easy small business loans simplify this process with flexible requirements. In 2025, U.S. entrepreneurs have diverse options for quick financing.
These loans feature fast approvals and minimal documentation. They cater to startups and established businesses alike. From online lenders to SBA programs, funding is accessible.
This guide explores the best easy small business loans. It covers loan types, eligibility, and application strategies. Practical insights help you secure capital efficiently.
Whether launching a new venture or covering expenses, easy loans deliver. They remove barriers like strict credit checks or lengthy processes.
What Is an Easy Business Loan?
An easy business loan is a financing option that is faster to apply for, quicker to fund, and simpler to qualify for compared to traditional bank loans. These loans are designed for small business owners who may not meet the strict requirements of large financial institutions due to limited credit history, short time in business, or lack of documentation.
Key features of an easy loan include:
- A short application process, often completed online in minutes
- Fewer documents required—usually bank statements and basic business information
- Quick decisions, with approval in as little as 24 hours
- Flexible credit score requirements, sometimes as low as 500
What Makes a Small Business Loan “Easy” to Get?
When we talk about easy small business loans, we are not referring to automatic approval or instant access to large amounts of cash. Instead, an easy loan is one that:
Has a simple and fast application process
Requires fewer documents to apply
Is accessible to a wider range of businesses, including those with low credit or short operating history
Offers quick decisions, often within hours or 1 to 2 business days
These loans are especially helpful for:
- Startups without full financial history
- Business owners with fair or poor credit
- Companies that need quick working capital or cash for a specific project
While easy loans are convenient, they often come with higher interest rates or shorter terms. That’s because lenders take on more risk when they streamline their approval process.
For this reason, it’s important to compare offers, review all terms, and choose a loan that fits your repayment ability.
Read on to find the right financing solution.
1. Online Term Loans for Easy Small Business Funding
Online term loans provide lump-sum funding with simple applications. They’re ideal for businesses needing quick capital. Below are top providers.
Bluevine Term Loan*
Bluevine offers term loans up to $250,000 with a 625 minimum credit score. It requires six months in business and $480,000 annual revenue. Funding is available within 24 hours.
Eligibility: 625+ credit score, six months in business, $480,000 revenue.
Application Process: Apply online with bank statements; no collateral needed.
Tip: Link your business bank account for faster approval.
OnDeck Term Loan*
OnDeck provides term loans up to $250,000 with a 600 credit score. It requires one year in business and $100,000 revenue. Same-day funding is available.
Eligibility: 600+ credit score, one year in business, $100,000 revenue.
Application Process: Submit online with financials; personal guarantee required.
Tip: Highlight consistent revenue to secure better rates.
National Funding Term Loan*
National Funding offers loans up to $500,000 with no minimum credit score. It requires six months in business and $250,000 revenue. Approval takes hours.
Eligibility: No credit score minimum, six months in business, $250,000 revenue.
Application Process: Apply online with minimal documentation; fast process.
Tip: Provide recent bank statements to expedite funding.
2. Business Lines of Credit for Easy Small Business Funding
Fundbox Line of Credit*
Fundbox provides lines of credit up to $150,000 with a 600 credit score. It requires three months in business and $30,000 revenue. Funding is available next day.
Eligibility: 600+ credit score, three months in business, $30,000 revenue.
Application Process: Apply online with bank statements; no collateral needed.
Tip: Use Stripe or QuickBooks integration for faster approval.
Kabbage by American Express*
Kabbage offers lines of credit up to $150,000 with a 640 credit score. It requires one year in business and $3,000 monthly revenue. Funds are available instantly.
Eligibility: 640+ credit score, one year in business, $3,000 monthly revenue.
Application Process: Apply online with financials; simple process.
Tip: Link your business accounts for seamless funding.
Lendio Line of Credit*
Lendio connects businesses to lines of credit up to $500,000. It requires a 560 credit score and six months in business. Funding speed varies by lender.
Eligibility: 560+ credit score, six months in business, $50,000 revenue.
Application Process: Apply via Lendio’s marketplace; compare multiple offers.
Tip: Prequalify to compare terms from multiple lenders.
3. SBA Loans for Easy Small Business Funding
SBA loans offer low rates and flexible terms. Some programs, like Microloans, are easy to qualify for. Below are key options for 2025.
SBA Microloan Program*
SBA Microloans provide up to $50,000 through nonprofit lenders. They target startups and underserved businesses. No minimum credit score is required.
Eligibility: No credit score minimum; repayment ability is key. Businesses must show financial need.
Application Process: Apply via SBA intermediaries with a business plan.
Tip: Highlight community impact for nonprofit lender approval.
SBA Express Loan*
SBA Express Loans offer up to $500,000 with faster processing. They require a 670 credit score but allow less documentation. Funding takes 5–10 days.
Eligibility: 670+ credit score, two years in business, strong revenue.
Application Process: Apply through SBA-approved lenders with financials.
Tip: Use an SBA-preferred lender for quicker approval.
4. Merchant Cash Advances as Best Easy Business Loan
Merchant cash advances (MCAs) provide fast cash based on future sales. They’re easy to qualify for with minimal credit checks. Below are top providers.
Credibly MCA*
Credibly offers MCAs up to $400,000 with no minimum credit score. It requires six months in business and $15,000 monthly revenue. Funding is same-day.
Eligibility: No credit score minimum, six months in business, $15,000 monthly revenue.
Application Process: Apply online with bank statements; simple process.
Tip: Compare factor rates to understand repayment costs.
Rapid Finance MCA*
Rapid Finance provides MCAs up to $500,000 with a 500 credit score. It requires three months in business and $5,000 monthly revenue. Funding is within hours.
Eligibility: 500+ credit score, three months in business, $5,000 monthly revenue.
Application Process: Submit online with revenue proof; fast approval.
Tip: Ensure strong daily sales to manage repayments.
5. Invoice Factoring for Small Businesses
Invoice factoring converts unpaid invoices into immediate funds. It’s easy for B2B businesses with flexible qualifications. Below are key providers.
FundThrough Invoice Factoring*
FundThrough offers factoring up to $10,000,000 with a 500 credit score. It requires no minimum time in business. Funding is available in 24 hours.
Eligibility: B2B businesses with invoices, 500+ credit score.
Application Process: Apply online with invoice details; automated process.
Tip: Use invoices from creditworthy clients for approval.
Bluevine Invoice Factoring*
Bluevine provides factoring up to $5,000,000 with a 530 credit score. It requires three months in business and $10,000 monthly revenue. Funds are available same-day.
Eligibility: 530+ credit score, three months in business, $10,000 monthly revenue.
Application Process: Submit invoices online; quick approval.
Tip: Provide clear invoice records to speed up funding.
6. Microloans as Best Easy Small Business Loans
Microloans, typically up to $50,000, offer easy financing for startups and underserved businesses. They feature lenient credit requirements and simple applications.
Below are two top providers for 2025.
Kiva Microloan*
Kiva provides 0% interest microloans up to $15,000 through a crowdfunding platform. It requires no minimum credit score or time in business, only social capital to raise funds. Funding takes 30–60 days after crowdfunding.
Eligibility: No credit score or revenue minimum; must crowdfund from personal network.
Application Process: Apply online; collect contributions from network and Kiva’s lenders.
Tip: Engage your community early to meet crowdfunding goals faster.
Accion Opportunity Fund Microloan*
Accion Opportunity Fund offers microloans from $5,000 to $50,000 with a 600 credit score. It targets minority, women, and low-income entrepreneurs, requiring 12 months in business and $50,000 revenue. Funding takes 1–2 weeks.
Eligibility: 600+ credit score, 12 months in business, $50,000 annual revenue.
Application Process: Submit online with financials; includes business coaching.
Tip: Highlight your business’s community impact to strengthen your application.
Comparison Table: Best Easy Small Business Loan Programs for 2025*
| Loan Program | Funding Amount Amount | Min. Credit Score | Eligibility | Funding Speed |
| Bluevine Term Loan | Up to $250,000 | 625 | 6 months in business, $480,000 revenue | 24 hours |
| OnDeck Term Loan | Up to $250,000 | 600 | 1 year in business, $100,000 revenue | Same day |
| National Funding Term Loan | Up to $500,000 | None | 6 months in business, $250,000 revenue | Hours |
| Fundbox Line of Credit | Up to $150,000 | 600 | 3 months in business, $30,000 revenue | Next day |
| Kabbage Line of Credit | Up to $150,000 | 640 | 1 year in business, $3,000 monthly | Instant |
| SBA Microloan | Up to $50,000 | None | Startups, underserved business | 30-90 days |
| SBA Express Loan | Up to $500,000 | 670 | 2 years in business, strong revenue | 5-10 days |
| Credibly MCA | Up to $400,000 | None | 6 months in business, $15,000 monthly | Same day |
| Rapid Finance MCA | Up to $500,000 | 500 | 3 months in business, $5,000 monthly | Hours |
| FundThrough invoice Factoring | Up to $10,000,000 | 500 | B2B with invoices | 245 hours |
How to Get the Best Easy Small Business Loan
1. Check Your Business and Personal Credit
2. Know Your Revenue and Time in Business
Lenders often require a minimum monthly revenue, usually around $3,000 to $10,000, and at least 6 months of business operations. Keep updated financial statements or bank records ready.
3. Choose the Right Loan Type for Your Needs
- Use a line of credit for flexible, recurring costs
- Choose an equipment loan for large purchases
- Select a term loan for one-time capital injections
- Consider invoice financing if you have slow-paying clients
4. Gather the Required Documents
Have basic paperwork ready:
- Business license or EIN
- Recent bank statements
- Basic financial statements
- Personal identification
5. Apply Through a Reputable Platform
How to Compare the Best Easy Small Business Loans
1. APR vs. Interest Rate
The APR (Annual Percentage Rate) gives a complete picture of the loan’s cost, including fees. Don’t rely solely on the interest rate.
2. Repayment Frequency and Term
Understand whether you’ll repay daily, weekly, or monthly, and for how long. Frequent payments can strain cash flow if not planned properly.
3. Funding Speed
Some lenders offer same-day or next-day funding. This is useful for urgent needs, but verify if faster funding comes with higher costs.
4. Loan Flexibility
Can you borrow only what you need, like with a line of credit? Can you repay early without penalty? These features matter when managing costs.
5. Lender Credibility
Read independent reviews and check for complaints with the Better Business Bureau (BBB). A good lender should offer clear terms and responsive customer service.
How to Qualify for an Easy Business Loan
a. Basic Business Information
Lenders will ask for:
- Business name and legal structure (LLC, sole proprietorship, etc.)
- Business license or registration
- Employer Identification Number (EIN)
b. Proof of Revenue or Sales Activity
Even if you have bad credit, consistent monthly revenue—usually $3,000 to $10,000 minimum—can help you qualify. Lenders will ask for:
- 3 to 6 months of bank statements
- Sales history or point-of-sale reports (if applicable)
c. Time in Business
Most lenders require a minimum of 6 months in operation, though some may accept newer businesses if other factors are strong.
d. Personal Credit Check
Even with relaxed requirements, some lenders perform a soft or hard credit check. A personal credit score of 600 or higher improves your chances, but some lenders accept scores as low as 500–550.
e. Clear Use of Funds
Clearly explaining how the loan will benefit your business shows responsibility and planning. For example:
- “We will use the loan to purchase new inventory for the upcoming season.”
- “Funds will help us upgrade equipment to meet increased customer demand.”
Final Thoughts: Securing Easy Small Business Loans in 2025
Easy small business loans in 2025 offer fast, flexible funding for entrepreneurs. From Bluevine’s quick term loans to SBA Microloans, options suit diverse needs. These programs simplify financing with minimal hurdles.
Start by assessing your business’s revenue and credit profile. Choose a lender that aligns with your time-in-business and financials. Online lenders are ideal for speed, while SBA loans provide affordability.
Prepare a clear business plan to showcase your goals. For example, outline how a $50,000 loan will boost sales by 20%. This strengthens your application.
Prequalify with multiple lenders to compare terms. Platforms like Lendio streamline this process for efficiency. Early applications increase approval odds.
With strategic preparation, easy loans can fuel business growth. They provide capital to seize opportunities in 2025. Take action today to secure funding and thrive.
Frequently Asked Questions (FAQs)- Best Easy Small Business Loans
The easiest small business loans to get are typically merchant cash advances, business lines of credit from online lenders, and microloans. These options require minimal paperwork, and some accept applicants with credit scores as low as 500 to 550.
Approval is often based on business revenue or sales rather than strict credit or collateral requirements.
It can be difficult if you apply through a traditional bank, which often requires high credit scores, detailed financials, and long operating history. However, easy small business loans from online or nonprofit lenders are more accessible.
If your business has consistent revenue and you meet the lender’s minimum requirements, the process can be fast and straightforward.
The SBA Microloan program is generally the easiest SBA loan to qualify for. It offers up to $50,000 and is distributed through nonprofit lenders. While traditional SBA loans like the 7(a) have stricter requirements, microloans are more flexible, especially for startups, minority-owned businesses, or companies with low credit.
Many online lenders can provide same-day approval and fund the loan within 24 to 72 hours, depending on the lender and loan type.
Merchant cash advances and business lines of credit typically offer the fastest processing, especially if you already have business bank account records available.
While easy loans offer speed and accessibility, they often come with higher interest rates, shorter repayment periods, and frequent payments. Some loan types, like MCAs, can be expensive if not paid off quickly.
It's important to read all terms, calculate the total repayment cost, and ensure the loan supports your business goals.
What’s Next?
Explore fast, flexible loan options designed for easy approval and quick access to funds.
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