$350,000 Business Loans: Compare Options & Rates in 2026
Compare lenders offering $350K business loans — SBA loans, term loans, and lending marketplaces.
Get your rate in minutes
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No credit score impact
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Borrow up to $500,000+
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$350,000 Business Loans
A $350,000 business loan can fund major growth — commercial real estate, large equipment, franchise investment, or significant expansion. At this size, SBA loans and lending marketplaces provide the best combination of rates and accessibility.
Compare the best lenders for $350K business loans below.
Best Lenders for $350K Business Loans
| Lender | Product | Max amount | Min. credit | Funding |
| Lendio | Marketplace | $5,000,000 | Varies | Varies |
| SmartBiz | SBA 7(a) | $5,000,000 | 675 | 4-8 weeks |
| 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 |
How to Qualify for a $350K Business Loan
Lenders typically require 2+ years in business, $350,000+ annual revenue, personal credit score of 660+, detailed financial statements, and a business plan showing intended use of funds.
Best Loan Types for $350K
SBA 7(a) Loans
The best option for $350K. Rates of 10.75-13.5% with terms up to 25 years. SmartBiz streamlines the process significantly.
Lending Marketplaces
Lendio connects you with 75+ lenders. One application generates multiple offers at different rates and terms.
Stacked Financing
Combine a Bluevine line of credit ($250K) with an OnDeck term loan ($250K) for businesses that need faster access than SBA provides.
Monthly Payment Estimates
At 10% over 10 years: ~$4,626/month. At 12% over 7 years: ~$6,174/month. At 8% over 25 years (SBA): ~$2,702/month.
Frequently Asked Questions
What credit score for $350K?
Most lenders want 660+. SBA loans need 675+. Bank loans prefer 700+.
How long to get a $350K loan?
Online marketplace: 1-2 weeks. SBA: 4-8 weeks. Traditional bank: 4-12 weeks.
Do I need collateral?
Most lenders require collateral at this amount. SBA loans require it for loans over $25K but won’t decline solely on collateral.
Lendio
- Marketplace: 75+ lenders
- Loans up to $5,000,000
- One application, multiple offers
Lendio connects you with multiple lenders through a single application.
SmartBiz
- SBA loans up to $5,000,000
- Rates from 10.75%
- Min. credit: 675
SmartBiz streamlines SBA loan applications for the lowest available rates.
Bluevine
- Line of credit up to $250,000
- As low as 7.80%
- Same-day funding
Bluevine offers fast business lines of credit with same-day draws.
OnDeck
- Loans up to $250,000
- Term loans and lines of credit
- Same-day funding
OnDeck offers same-day funding on term loans for established businesses.