50 Credit Lines and Loans You Can Get Now for Your Business

Access to the right funding can take your business to the next level. Whether you need capital for expansion, inventory, or day-to-day operations, credit lines and loans provide the flexibility and resources to help your business thrive.

This comprehensive guide breaks down 50 credit lines and loan options your business can apply for right now. For even more funding insights, join this Free Training to discover insider tips and strategies to secure the credit your business needs.

Table of Contents

Part 1: Traditional Business Loans

1. Term Loans

Best For: Large, one-time expenses.
Where to Apply: Local banks or online lenders like Fundera.

2. SBA Loans

Best For: Established businesses seeking low-interest, long-term funding.
Where to Apply: SBA-approved lenders like Live Oak Bank or SmartBiz.

3. Microloans

Best For: Startups or businesses needing less than $50,000.
Where to Apply: SBA Microloan Program or Accion Opportunity Fund.

4. Credit Union Loans

Best For: Local businesses needing community-focused support.
Where to Apply: Nearby credit unions.

5. Equipment Loans

Best For: Financing equipment purchases.
Where to Apply: Equipment-specific lenders like Crest Capital.

Part 2: Business Lines of Credit

6. Traditional Lines of Credit

Best For: Managing cash flow.
Where to Apply: Regional banks or credit unions.

7. Online Lines of Credit

Best For: Fast approvals and flexible funding.
Where to Apply: Lenders like BlueVine or Fundbox.

8. Secured Lines of Credit

Best For: Businesses with collateral.
Where to Apply: Community banks or alternative lenders.

9. Unsecured Lines of Credit

Best For: Businesses without collateral.
Where to Apply: Online platforms like OnDeck or Kabbage.

10. Revolving Credit Lines

Best For: Flexible, ongoing expenses.
Where to Apply: Local banks or specialty lenders.

Part 3: Alternative Financing Options

11. Merchant Cash Advances

Best For: Businesses with high credit card sales.
Where to Apply: Providers like Square Capital or PayPal Working Capital.

12. Revenue-Based Loans

Best For: Businesses with consistent revenue streams.
Where to Apply: Lenders like Clearco or Lendio.

13. Invoice Financing

Best For: Borrowing against unpaid invoices.
Where to Apply: BlueVine or Fundbox.

14. Peer-to-Peer Lending

Best For: Quick, small loans.
Where to Apply: Platforms like LendingClub or Prosper.

15. Crowdfunding

Best For: Creative projects or startups.
Where to Apply: Kickstarter or Indiegogo.

Part 4: Vendor and Store Credit

16. Vendor Trade Credit

Best For: Purchasing supplies with deferred payments.
Where to Apply: Vendors like Uline, Quill, and Grainger.

17. Store Credit Cards

Best For: Buying inventory or equipment.
Where to Apply: Amazon Business Prime, Staples Advantage, or Home Depot Pro.

18. Gas Station Credit Cards

Best For: Fuel and fleet management.
Where to Apply: Shell, BP, or ExxonMobil.

19. Net-30 Accounts

Best For: Building credit while managing short-term expenses.
Where to Apply: NAV or other business credit services.

20. Business Membership Credit

Best For: Discounts and credit-building opportunities.
Where to Apply: Costco Business or Sam’s Club.

Part 5: No-Credit-Check Options

21. Microloans from Nonprofits

Best For: Startups or businesses with limited credit history.
Where to Apply: Organizations like Kiva or Opportunity Fund.

22. Revenue Financing

Best For: Borrowing based on monthly sales.
Where to Apply: Platforms like Fundera or Clearco.

23. Secured Business Credit Cards

Best For: Building credit without a credit check.
Where to Apply: Banks like Wells Fargo or Capital One.

24. No-Doc Loans

Best For: Quick funding without extensive paperwork.
Where to Apply: Alternative lenders like Rapid Finance.

25. Crowdfunded Loans

Best For: Startups with unique ideas.
Where to Apply: Crowdfunding platforms like GoFundMe.

Part 6: Specialized Industry Loans

26. Agricultural Loans

Best For: Farming businesses.
Where to Apply: USDA or Farm Credit Services.

27. Healthcare Practice Loans

Best For: Medical or dental practices.
Where to Apply: Lenders like Bank of America or Wells Fargo.

28. E-Commerce Financing

Best For: Online sellers.
Where to Apply: Shopify Capital or Amazon Lending.

29. Franchise Financing

Best For: Purchasing a franchise.
Where to Apply: Franchisors or SBA-approved lenders.

30. Women-Owned Business Loans

Best For: Female entrepreneurs.
Where to Apply: Lenders like Accion Opportunity Fund or Women’s Business Centers.

Part 7: Creative Financing Options

31. Angel Investors

Best For: Startups with high growth potential.
Where to Apply: AngelList or local investor networks.

32. Venture Capital

Best For: Scalable startups.
Where to Apply: Venture capital firms or seed accelerators.

33. Business Grants

Best For: Non-repayable funding for specific projects.
Where to Apply: Grants.gov or local government programs.

34. Lease Financing

Best For: Leasing equipment or vehicles.
Where to Apply: Specialty leasing companies.

35. 401(k) Business Loans

Best For: Leveraging retirement savings.
Where to Apply: Rollovers for Business Startups (ROBS) providers.

How the Free Training Can Help

Want to learn more about these 50 funding options? Join this Free Training to gain:

Insider tips on accessing credit lines and loans.
Strategies to improve fundability and secure funding faster.
A deeper understanding of which options are right for your business.

Conclusion

With these 50 credit lines and loans, you have plenty of options to fund your business, regardless of your credit history or collateral. Whether you’re looking for quick cash flow solutions, long-term financing, or industry-specific loans, there’s a path to meet your needs.

Take the next step today—sign up for the Free Training and unlock the tools to grow your business with the funding it deserves.