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Small Business Funding Comparison Chart

Compare financing solutions to find the best fit for you.

Small Business Funding Comparison Chart

Compare financing solutions to find the best fit for you.

401(k) Business Financing

Funding Amount:

Up to 100% of account balance (min. $50,000)

Term:

None

Time to fund:

3-week Average

Interest Rates:

None

Credit Score Requirement:

None

Setup Fees:

$4,995

Monthly Payments:

None

Additional Fees:

Starting at $149/month (plan administration)

SBA 7(a) Business Loans

Funding Amount:

$150k – $5 million

Term:

10 Years

Time to fund:

2 – 4 Months

Interest Rates:

Prime + (3% to 6.5%)

Credit Score Requirement:

680+

Setup Fees:

$2,500

Monthly Payments:

 Principal + Interest

Additional Fees:

3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee)

Unsecured Loans

Funding Amount:

$25k – $150k

Term:

Revolving

Time to fund:

3-week average

Interest Rates:

12 – 18% (Many clients qualify for a 0% introductory rate the first 12 months)

Credit Score Requirement:

690+

Setup Fees:

9% of Loan Amount

Monthly Payments:

Principal + Interest

Additional Fees:

None

Portfolio Loans

Funding Amount:

Up to 80% of account balance (min. $85,000)

Term:

Revolving

Time to fund:

2 3 weeks

Interest Rates:

3 4%

Credit Score Requirement:

None

Setup Fees:

2% of loan amount

Monthly Payments:

Interest only

Additional Fees:

None

*Loans under $200,000 without ROBS funding may be subject to a fee.

Click here to explore our financing options!

  • 401(k) Business Financing (ROBS)

  • Funding Amount

    Up to 100% of account balance (min. $50,000)
  • Term

    None
  • Time to Fund

    3-week average
  • Interest Rates

    None
  • Credit Score Requirement

    None
  • Setup Fees

    $4,995
  • Monthly Payments

    None
  • Additional Fees

    $139/month (plan administration)
  • SBA 7(a) Business Loans

  • Funding Amount

    $150k – $5 million
  • Term

    10 Years
  • Time to Fund

    2 – 4 months
  • Interest Rates

    Prime + (2.25% – 2.75%)
  • Credit Score Requirement

    680+
  • Setup Fees

    Free*
  • Monthly Payments

    Principal + Interest
  • Additional Fees

    3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee)
  • SBA Working Capital Loans

  • Funding Amount

    $75k – $150k
  • Term

    7 – 10 Years
  • Time to Fund

    30 Days
  • Interest Rates

    Prime + (2.75% – 4.75%)
  • Credit Score Requirement

    680+
  • Setup Fees

    Free*
  • Monthly Payments

    Principal + Interest
  • Additional Fees

    1 – 3% of Loan Amount (Closing costs, including SBA Guaranty Fee)
  • Unsecured Loans

  • Funding Amount

    $25k – $150k
  • Term

    Revolving
  • Time to Fund

    3-week average
  • Interest Rates

    12 – 18% (Many clients qualify for a 0% introductory rate the first 12 months)
  • Credit Score Requirement

    690+
  • Setup Fees

    9% of Loan Amount
  • Monthly Payments

    Principal + Interest
  • Additional Fees

    None
  • Portfolio Loans

  • Funding Amount

    Up to 80% of Account Balance (Min. $85,000)
  • Term

    Revolving
  • Time to Fund

    2 – 3 weeks
  • Interest Rates

    3 – 4%
  • Credit Score Requirement

    None
  • Setup Fees

    2% of Loan Amount
  • Monthly Payments

    Interest Only
  • Additional Fees

    None

*Loans under $200,000 without ROBS funding may be subject to a fee.

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