Best LLC Business Loans & Financing in 2026
Compare loans and lines of credit for your LLC — fast approval, competitive rates, multiple options.
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LLC Business Loans
As an LLC owner, you have access to a wide range of business financing — from lines of credit and term loans to SBA loans and equipment financing. The right loan depends on your revenue, credit score, time in business, and what you need the funds for.
Compare the best lenders for LLC business loans below.
Best Lenders for LLC Business Loans
| Lender | Product | Max amount | Min. credit | Funding |
| Bluevine | Line of credit | $250,000 | 625 | Same day |
| OnDeck | Term loan / LOC | $250,000 | 625 | Same day |
| Fundbox | Line of credit | $150,000 | 600 | Next day |
| Kabbage (Amex) | Line of credit | $150,000 | 640 | Minutes |
| SmartBiz | SBA loan | $350,000 | 675 | 2-4 weeks |
| Lendio | Marketplace | $500,000 | Varies | Varies |
Types of Loans Available to LLCs
Business Line of Credit
Revolving credit you draw from as needed. Best for managing cash flow, covering inventory, or handling unexpected expenses. Only pay interest on what you use. Bluevine, Fundbox, and Kabbage specialize in fast lines of credit.
Term Loans
A lump sum repaid over a fixed period (1-5 years typically). Best for specific investments like equipment, expansion, or large purchases. OnDeck and lending marketplaces like Lendio offer competitive term loans.
SBA Loans
Government-backed loans with the lowest rates (typically 10-13%) and longest terms (up to 25 years). Require more paperwork and time but offer the best long-term value. SmartBiz streamlines the SBA application process.
Equipment Financing
Loans secured by the equipment you’re purchasing. Rates are typically lower since the equipment serves as collateral. Good for LLCs needing vehicles, machinery, or technology.
LLC Loan Requirements
Most lenders require your LLC to be registered with your state, have an EIN (Employer Identification Number), maintain a business bank account, and show at least 6-12 months of revenue history. Personal credit score matters — most lenders check the managing member’s personal credit alongside business financials.
Frequently Asked Questions
Can a new LLC get a business loan?
It’s harder but possible. Most traditional lenders require 1-2 years in business. However, Fundbox and Kabbage have lower time-in-business requirements. New LLCs may also qualify for SBA microloans or business credit cards.
Does my personal credit affect LLC loan approval?
Yes. Most small business lenders check the personal credit of LLC members, especially for businesses under $1M in revenue. A personal guarantee is typically required.
What credit score does my LLC need?
Fundbox accepts 600+. Bluevine and OnDeck require 625+. SBA loans through SmartBiz need 675+. For the best rates, aim for 700+.
How fast can an LLC get a business loan?
Kabbage can fund in minutes. Bluevine and OnDeck offer same-day funding. SBA loans take 2-4 weeks but offer the lowest rates.
Bluevine
- Line of credit up to $250,000
- As low as 7.80%
- Min. revenue: $40,000/month
Bluevine offers fast business lines of credit for LLCs with established revenue.
OnDeck
- Loans up to $250,000
- Term loans and lines of credit
- Min. credit: 625
OnDeck offers term loans and lines of credit for LLCs with at least 1 year in business.
Fundbox
- Line of credit up to $150,000
- Draw funds as needed
- Min. revenue: $30,000/year
Fundbox offers revolving credit with low minimums — good for newer LLCs.
SmartBiz
- SBA loans up to $350,000
- Rates from 10.75%
- Min. credit: 675
SmartBiz streamlines SBA loan applications for established LLCs seeking lower rates.