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:

$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:

690+

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:

690+

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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  • 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

    690+
  • 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

    690+
  • 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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