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About is a loan marketplace that matches businesses with lending partners. Loan types include short-term loans, long-term loans, lines of credit and merchant cash advances. Funding times vary depending on lender approval processes but are generally between 24 hours and one week.

Pros & Cons

  • Funding in as little as 24 hours
  • Loans available even with a low credit score
  • Simple online application process
  • Loan information is sometimes generic
  • Minimal customer service support
  • No clear information on fees or APRs

Our editor’s take

The marketplace is a good fit for small businesses interested in a self-service experience for finding funding. While the application process is straightforward and quick, it is best suited to those who are comfortable filling out their information online and don’t necessarily need to speak to a loan specialist — although phone support is available.

However, the requirement to input your phone number before you’re able to browse lenders is frustrating, and says it or a third party may contact you via email, telephone call or text. Its lack of transparency regarding interest rates, fees and loan amounts makes it challenging to compare to other loan marketplaces. loan products

Although it doesn’t offer direct loans, the marketplace pairs businesses with lenders that offer a range of borrowing products, including loans, lines of credit and cash advances.

While doesn’t specify how many of the following products can be accessed from the lenders in its marketplace, it does imply they are available.

Term loans
Business term loans are typically used to cover large purchases, such as equipment. With these loans, you can get a lump sum upfront, which you then repay in monthly installments with interest.

Both short- and long-term installment loans are mentioned on the website, from both banks and nonbank lenders. Interest rates may be fixed or variable. Collateral is often required.

Working capital loans
With a working capital loan, a business can secure financing to cover overhead and operational expenses, such as payroll, inventory restocking or rent. Both short- and long-term availability working capital loans are mentioned on, with flexible terms.
Lines of credit
Revolving lines of credit are available on for businesses seeking short-term working capital needs, such as inventory purchases, equipment repairs, payroll shortfalls and marketing campaigns.

Both secured and unsecured lines of credit are mentioned on, from both banks and nonbank lenders. Interest rates are typically variable.

Merchant cash advances
With a merchant cash advance (MCA), a business can secure funding based on its credit card sales — the company essentially sells a portion of its future sales to the lender. This way, the business can get a cash advance loan fairly quickly without having to go through the typical risk evaluation with most bank loans. says MCAs can have daily or weekly repayments, typically around 20% to 40% of the amount borrowed.

Credit cards says business credit cards may be easier for business owners to secure than loans, since eligibility may be based on your personal credit score.

Credit cards are mentioned on the marketplace, with interest rates varying from 10% to 24% annual percentage rate (APR), from both banks and credit unions.

Equipment financing
Loans for investing in equipment are mentioned on, which says they are typically secured by the equipment financed and with a 10% to 20% down payment. Loans are available from both traditional and online lenders, and interest rates vary from 8% to 25%, according to
Equity financing
For entrepreneurs who are just starting their business, equity financing is an alternative to taking out a loan. With equity financing, you offer investors equity ownership in the business (such as through shares or a percentage of profits) in exchange for funding.
Invoice factoring
With invoice factoring, a third party purchases part or all of a company’s accounts receivable. In exchange, the company receives a percentage of the invoice. This type of funding may be ideal for a business that doesn’t have any collateral to offer and needs capital quickly. It’s available from select online lenders and some traditional lenders. loan requirements

To use, you must be 18 and reside in the U.S. or one of its territories. Beyond that, because is a marketplace rather than a direct lender, eligibility criteria will vary. says that some lenders allow business loans after bankruptcy, with most requiring at least one year of improving credit history after a bankruptcy. Some loans, such as SBA loans, require a business plan. rates and fees

Rates and fees vary and depend on the loan type and amount a business qualifies for. Applicants will work with specific lenders to determine rates, fees and terms.

There is no information on as to whether there is a fee for signing up.

How to apply for a loan

To apply, business owners must fill out an online application, which requests the following information:

  • Type of business represented (LLC, sole proprietorship, partnership, C corporation or S corporation)
  • Amount of the loan requested
  • What the loan will be used for (e.g., expansion, equipment purchase, inventory, marketing/sales, purchasing a vehicle)
  • Business name and industry
  • Business start date
  • Annual revenue
  • Personal credit score
  • ZIP code and phone number

The application will not impact your credit score. Once completed, you’ll be able to view multiple offers for different loans available.

While each lender has its own timeline, says you can expect to receive approval and funding within 24 hours to one week.

How does compare? offers a business loan marketplace similar to Lendio and Fundible. Like both of these competitors, it offers a fast approval time, as quickly as within 24 hours. However, unlike its competitors, lacks transparency on its starting rates, maximum loan amounts and types of loans available.

If you want to view costs and loan terms before submitting your personal information, a different lender marketplace may be a better fit. FAQ

What is is a borrower-lender matching service that helps small businesses find funding options.

Can I get a loan if I have bad credit?

Potentially. Credit score minimums depend on the lender. does mention that a past bankruptcy won’t necessarily preclude a business from getting a loan, although it may require at least one year of improving credit history before being eligible.

Does offer loans to start-up companies?

Yes. The application does ask for the business start date, a factor that may impact which loans a business is eligible for.

Where is available? lenders are available in all 50 states. Users must be 18 years or older.

Is legit? is a legitimate loans marketplace, although it lacks transparency regarding its starting APRs and minimum/maximum loan amounts, which may dissuade some borrowers. Also, since you’re required to input your contact information prior to viewing offers, you may be opening yourself up to unwanted emails, telephone calls or texts from or a third party.

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