Small Business Loans From $50K to $100K in 2026
Compare business loans from $50,000 to $100,000 — term loans, lines of credit, and SBA options.
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Borrow up to $500,000+
$50K–$100K Business Loans
Business loans in the $50,000 to $100,000 range are the sweet spot for growing small businesses — large enough to fund significant investments like equipment, hiring, inventory, or marketing campaigns, but accessible to businesses without perfect credit or decades of history.
Compare the best lenders for $50K–$100K business loans below.
Best Lenders for $50K–$100K Business Loans
| Lender | Product | Max amount | Min. credit | Funding |
| Lendio | Marketplace | $5,000,000 | Varies | Varies |
| 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 |
What Can You Do With $50K–$100K?
Purchase equipment or vehicles. Hire and train new employees. Build out inventory for a seasonal rush. Launch a marketing campaign. Renovate or expand your workspace. Cover a short-term cash flow gap while waiting on receivables.
Best Loan Types for $50K–$100K
Business Line of Credit
Draw funds as needed up to your limit. Bluevine ($250K max) and Fundbox ($150K max) both cover this range with fast funding.
Term Loans
Lump sum with fixed repayment. OnDeck offers up to $250K with same-day funding. Ideal for one-time purchases.
SBA Loans
Lowest rates but slowest funding. SmartBiz streamlines the process for loans of this size.
Monthly Payment Estimates
$50K at 10% over 5 years: ~$1,062/month. $75K at 12% over 3 years: ~$2,490/month. $100K at 8% over 7 years: ~$1,560/month.
Frequently Asked Questions
What credit score do I need?
Fundbox accepts 600+. Bluevine and OnDeck require 625+. SBA loans need 675+.
How fast can I get funded?
Kabbage funds in minutes. Bluevine and OnDeck same day. SBA loans take 4-8 weeks.
Lendio
- Marketplace: 75+ lenders
- Loans up to $5,000,000
- One application, multiple offers
Lendio connects you with multiple lenders through a single application.
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.
Fundbox
- Line of credit up to $150,000
- Draw funds as needed
- Min. revenue: $30,000/year
Fundbox offers revolving credit with next-day funding.