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Funding Finder

Compare business loans, corporate cards, community lenders, equipment financing, invoice funding and crowdfunding. Narrow your search by purpose, state and published requirements.

What do you need the money for?Funding typeBusiness stateCredit preferencePersonal guaranteeListing typeSearch provider or keyword

Include providers whose state availability needs confirmation

State matches reflect listed service areas, not approval. Local lenders may have narrower coverage. No collateral does not mean no personal guarantee, and no-PG providers can still verify your identity. Looking for grants? Open Grant Finder →

Funding Options

21 funding products · 2 lender directories match your filters.

SBA Loan

SBA 7(a) Loan Program

Up to $5 million

SBA’s primary loan program can finance working capital, equipment, real estate, refinancing and qualifying business acquisitions. Applications are made through participating lenders.

Service area: U.S. — participating lenders
Credit: Lender evaluates creditworthiness
Business age: Operating U.S. for-profit small business
Revenue / cash: Must demonstrate ability to repay
Guarantee / collateral: Program/lender terms apply

Visit Official Provider →Review official requirements

Commercial Real Estate / Equipment

SBA 504 Loan Program

Up to $5.5 million

Long-term fixed-rate financing for major fixed assets such as qualifying real estate, buildings and long-term machinery or equipment.

Service area: U.S. — participating lenders
Credit: Eligibility and lender underwriting apply
Business age: Operating U.S. for-profit small business
Revenue / cash: Ability to repay required
Guarantee / collateral: Program/lender terms apply

Visit Official Provider →Review official requirements

Microloan

SBA Microloan Program

Up to $50,000

SBA-backed loans through nonprofit intermediaries for startup or growth, working capital and equipment. Cannot finance real estate or repay existing debt. Local lender sets terms.

Service area: U.S. — local intermediary required
Credit: Intermediary lender decides
Business age: Startup and established business eligibility determined by intermediary
Revenue / cash: Intermediary requirements vary
Guarantee / collateral: Intermediary requirements vary

Visit Official Provider →Review official requirements

Business Credit Card

American Express Blue Business Cash™ Card

Credit limit varies by approval

Business credit card with cash-back rewards. Review the current welcome offer, APR, fees and eligibility directly with American Express before applying.

Service area: U.S. product — confirm state availability with provider
Credit: Subject to credit approval
Business age: Business card application
Revenue / cash: Issuer evaluates application
Guarantee / collateral: See issuer terms

Visit Official Provider →Review official requirements

Business Credit Card

Chase Ink Business Credit Cards

Credit limit varies by card and approval

Chase offers multiple Ink business credit cards with different rewards, fees and offers. Compare the current card terms directly with Chase.

Service area: U.S. product — confirm state availability with provider
Credit: Subject to credit approval
Business age: Business card application
Revenue / cash: Issuer evaluates application
Guarantee / collateral: See cardmember terms

Visit Official Provider →Review official requirements

Business Credit Card

Capital One Business Credit Cards

Credit limit varies by card and approval

Capital One offers business cards with cash-back and travel reward options. Current APR, fees, rewards and eligibility vary by product.

Service area: U.S. product — confirm state availability with provider
Credit: Subject to credit approval
Business age: Business card application
Revenue / cash: Issuer evaluates application
Guarantee / collateral: See issuer terms

Visit Official Provider →Review official requirements

Business Credit Card

Bank of America Business Credit Cards

Credit limit varies by card and approval

Business credit card options include cash-back and travel rewards. Review current APR, annual fees, rewards and application requirements with Bank of America.

Service area: U.S. product — confirm state availability with provider
Credit: Subject to credit approval
Business age: Business card application
Revenue / cash: Issuer evaluates application
Guarantee / collateral: See issuer terms

Visit Official Provider →Review official requirements

Line of Credit

American Express Business Line of Credit

$2,000–$250,000 at qualification; eligible increases up to $1 million

Commercial line of credit. Approval, line size, fees and terms depend on the applicant and business financial profile.

Service area: U.S. product — confirm state availability with provider
Credit: FICO 660+ minimum disclosed
Business age: 12+ months in business
Revenue / cash: $3,000+ recent average monthly revenue
Guarantee / collateral: Personal guarantee required

Visit Official Provider →Review official requirements

Microloan

Kiva U.S.

Up to $15,000

0% interest, no fees and no collateral. Eligibility and private/public crowdfunding stages apply; funding is not immediate or guaranteed. Industry restrictions apply.

Service area: U.S. except Nevada and North Dakota
Credit: No minimum credit score
Business age: Eligibility review required
Revenue / cash: No minimum shown here
Guarantee / collateral: No collateral; confirm borrower liability in loan agreement

Visit Official Provider →Review official requirements

CDFI / Nonprofit · Directory

Opportunity Finance Network CDFI Locator

Varies by organization

Search nonprofit community lenders by area served and lending focus. Directory members collectively serve all 50 states; each lender sets its own coverage, underwriting and guarantees.

Service area: U.S. — individual lender service areas vary
Credit: Varies
Business age: Varies
Revenue / cash: Varies
Guarantee / collateral: Varies

Find Participating Lenders →Review official requirements

Loan Marketplace · Directory

SBA Lender Match

Varies by participating lender

Official matching resource connecting small businesses with participating SBA-approved lenders. This is a government matching resource, not a lender.

Service area: U.S. — individual lender service areas vary
Credit: Lender-specific
Business age: Lender-specific
Revenue / cash: Lender-specific
Guarantee / collateral: Depends on loan/lender

Find Participating Lenders →Review official requirements

Corporate Charge Card

Ramp Corporate Card

Limit based on business finances

Charge card for business purchases, not a cash loan. Requires U.S. physical business address and identity verification. Payment terms apply.

Service area: U.S. — provider eligibility applies
Credit: No personal credit check; business underwriting
Business age: Registered corporation, LLC or LP; sole proprietors not eligible
Revenue / cash: At least $25,000 in linked U.S. business bank cash; financial review applies
Guarantee / collateral: No personal guarantee; company remains liable

Visit Official Provider →Review official requirements

Line of Credit

Bluevine Business Line of Credit

Up to $250,000

Revolving credit subject to industry restrictions, underwriting and draw approval. Sole proprietors cannot apply for this direct Bluevine product.

Service area: U.S. except NV, ND and SD; territories excluded
Credit: Personal FICO 625+; additional checks apply
Business age: 12+ months; LLC or corporation
Revenue / cash: $10,000/month or $120,000/year; average bank balance $2,000+
Guarantee / collateral: Personal guarantee applies; review agreement

Visit Official Provider →Review official requirements

Term Business Loan

Accion Opportunity Fund Term Loan

Up to $250,000

Nonprofit CDFI term financing for established businesses. State-specific minimums and entity requirements apply; check the official state disclosures before applying.

Service area: Selected U.S. states — see state disclosures
Credit: FICO 660+ published by AOF help center
Business age: 2+ years; ownership and residency rules apply
Revenue / cash: $300,000+ annual sales
Guarantee / collateral: Confirm personal guarantee and collateral with provider

Visit Official Provider →Review official requirements

CDFI / Nonprofit

Pacific Community Ventures Community Loan

$10,000–$500,000

Community financing for established California businesses. Rideshare, real estate, transportation, cannabis and nonprofit businesses are excluded. Review current fees and owner-guarantee rules.

Service area: California only
Credit: No minimum credit score; credit still reviewed
Business age: 12+ months operating
Revenue / cash: Generating revenue and able to service debt
Guarantee / collateral: Personal guarantee for significant owners; no collateral

Visit Official Provider →Review official requirements

CDFI / Nonprofit

LiftFund SBA Community Advantage

Amount determined by program and lender

Mission-driven lender offering an SBA 7(a) Community Advantage program. Service area shown here is specific to this product, rather than every LiftFund program.

Service area: 15 listed states — see official program page
Credit: Provider underwriting applies
Business age: Startup and existing businesses
Revenue / cash: Provider-specific
Guarantee / collateral: Confirm personal guarantee and collateral with provider

Visit Official Provider →Review official requirements

Equipment Financing

Bank of America Equipment Financing

Loan or lease amount subject to approval

Financing for machinery and business equipment. Loans and leases have different terms and collateral requirements; ask which product fits the asset.

Service area: U.S. product — confirm state availability
Credit: Provider underwriting applies
Business age: Published small-business criteria include 2+ years
Revenue / cash: Published small-business criteria include $250,000+ annual revenue
Guarantee / collateral: Confirm personal guarantee and collateral with provider

Visit Official Provider →Review official requirements

Business Vehicle Financing

Bank of America Business Advantage Auto Loan

Minimum loan $10,000; approval determines amount

For qualifying new or used cars, vans and light trucks from approved dealers. Individual co-applicant credit inquiry and vehicle collateral apply.

Service area: All 50 states and District of Columbia
Credit: Provider underwriting applies
Business age: 4+ years in business
Revenue / cash: Provider-specific
Guarantee / collateral: Business and individual co-applicant jointly responsible

Visit Official Provider →Review official requirements

Invoice Financing / Factoring

FundThrough Invoice Factoring

Based on eligible invoices and receivables

Sells eligible unpaid B2B/government invoices to release cash earlier, less fees. Not for consumer invoices, purchase orders, unfinished work, construction or real estate.

Service area: U.S. — provider eligibility applies
Credit: Provider underwriting applies
Business age: Completed work invoiced to businesses or government
Revenue / cash: Qualifying unpaid receivables required; confirm first-funding minimum
Guarantee / collateral: Review factoring agreement, recourse and security terms

Visit Official Provider →Review official requirements

Crowdfunding

Kickstarter Project Crowdfunding

Campaign goal; all-or-nothing fundraising

Reward-based funding for an eligible original creative project. Not general emergency cash. Platform and payment fees apply, and successful creators must deliver promised work and rewards.

Service area: U.S. — provider eligibility applies
Credit: Not a credit-score-based loan
Business age: Eligible creative project and creator verification
Revenue / cash: No lender revenue test; successful campaign required
Guarantee / collateral: Not a loan; campaign and reward obligations apply

Visit Official Provider →Review official requirements

Investment Crowdfunding

Wefunder Investment Crowdfunding

Depends on offering structure and legal limits

Raise capital from investors through a regulated offering. Securities filings, platform costs and investor obligations apply; equity can dilute ownership. Not guaranteed funding.

Service area: U.S. — provider eligibility applies
Credit: Investment offering, not standard loan underwriting
Business age: Eligible U.S. C corporation, LLC or public benefit corporation
Revenue / cash: Issuer eligibility, disclosures and investor fundraising required
Guarantee / collateral: Offering-specific; equity, debt and other structures differ

Visit Official Provider →Review official requirements

Sales-Based Business Loan

Shopify Capital U.S. Merchant Loans

Offer-specific

Loans for eligible U.S. Shopify merchants. Repayments use a share of daily sales, but minimum payments and a maximum term still apply. Not open to every business or Shopify store.

Service area: U.S. — provider eligibility applies
Credit: Provider underwriting applies
Business age: Active Shopify store; platform tenure and sales assessed
Revenue / cash: Eligible sales history and an offer in Shopify admin required
Guarantee / collateral: Business-asset security interest; review guarantee terms

Visit Official Provider →Review official requirements

SBA Loan

SBA Working Capital Pilot

Up to $5 million

Monitored credit lines for qualifying growing businesses, including financing contracts or borrowing against receivables and inventory. Lender underwriting and SBA eligibility apply.

Service area: U.S. — participating SBA lenders
Credit: Provider underwriting applies
Business age: At least 1 year operating history
Revenue / cash: Financial statements, receivables/payables aging and inventory reports
Guarantee / collateral: Confirm personal guarantee and collateral with provider

Visit Official Provider →Review official requirements

Before applying

Funding Finder compares published programs and resources. Rates, fees, personal guarantees, industry exclusions and availability can change. Confirm the provider’s current agreement. A search match does not establish eligibility or guarantee approval. Crowdfunding involves campaign obligations; investment fundraising can involve dilution, legal costs and investor commitments. Funding Finder is not a lender.