Small Business Funding Comparison Chart

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401(k) Business Financing SBA 7(a) Business Loans SBA Working Capital Loans Unsecured Loans Portfolio Loans
Funding Amount Up to 100% of Account Balance (Min. $40,000) $150k – $5 million $50k – $150k $25k – $150k Up to 80% of Account Balance (Min. $85,000)
Term None 10 Years 7 – 10 Years Revolving Revolving
Time to fund 3-week Average 2 – 4 Months 30 Days 3 Weeks 2 – 3 Weeks
Interest Rates None Prime + (2.25% – 2.75%) Prime + (2.75% – 4.75%) 12 – 18% (Many clients qualify for a 0% introductory rate the first 12 months) 3 – 4%
Credit Score Requirement None 640+ 690+ 690+ None
Setup Fees $4,995 $2,500 $2,500 9% of Loan Amount 2% of Loan Amount
Monthly Payments None Principal + Interest Principal + Interest Principal + Interest Interest Only
Additional Fees $139/month (Plan Administration) 3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee) 1 – 3% of Loan Amount (Closing costs, including SBA Guaranty Fee) None None

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