Best Working Capital Loans in December 2025

iBusiness Funding is our top pick for established businesses because it offers a wide range of loan amounts with relatively fast funding and some of the lowest starting rates on this list — but businesses will need to be in operation for at least 24 months to qualify.

With lengthy repayment terms and no prepayment penalties, borrowers can repay their loan at a pace that is comfortable for them. Though it’s not the fastest lender on this list, you can usually receive your funds within two to four business days.

With iBusiness Funding, you can borrow up to $500,000 in working capital. However, you may need to provide collateral or sign a personal guarantee to secure your loan.

Read our full iBusiness Funding review.

In order to qualify, you’ll need to meet iBusiness Funding’s criteria of:

If you’re looking for a fast business loan to take advantage of a limited-time opportunity, OnDeck can deliver funds up to $250,000 as soon as the same day you apply. You can check your eligibility without a hard credit check, and the streamlined application only takes a few minutes to complete. If you don’t qualify for same-day funding, you can still expect your funds to be delivered within two to three business days.

OnDeck has fairly low credit score and time in business requirements. However, interest rates tend to be high and daily or weekly payments are required, so make sure you can handle the repayment schedule before you sign a loan agreement.

Read our full OnDeck review.

In order to qualify, you’ll need to meet OnDeck’s criteria of:

If you’re looking to borrow a large amount at a relatively affordable price, working with an SBA Preferred Lender like Live Oak Bank might be one of your best options. With an SBA 7(a) loan, you can borrow up to $5,000,000 in working capital and pay it back with fixed payments over a lengthy term. Interest rates are capped by the U.S. Small Business Administration (SBA), though your exact rate will depend on your qualifications.

SBA loans may be more accessible for business owners who can’t qualify for traditional business financing. However, even with a preferred lender, SBA loans may take a few weeks to fund, so this isn’t the best choice for businesses seeking fast funds.

Read our full Live Oak Bank review.

In order to qualify, you’ll need to meet Live Oak Bank’s criteria of:

Fora Financial is our top pick for borrowers needing a bad credit business loan because it accepts credit scores as low as 570. This lender can provide up to $1,500,000 in working capital, which can be used to cover a wide range of business expenses. You can also enjoy relatively fast funding with Fora Financial, receiving your funds in as little as 24 to 48 hours.

And while some lenders charge prepayment penalties, Fora Financial offers a discount for repaying your debt early. However, your business must generate a significant amount of revenue — at least $240,000 per year — to qualify. Plus, the lender uses a factor rate to represent the cost of borrowing, which can make it harder to compare loan options.

Read our full Fora Financial review.

In order to qualify, you’ll need to meet Fora Financial’s criteria of:

If you’re looking for a working capital loan for startups, Fundbox’s line of credit only requires 3 months of business history. It can provide up to $250,000 on a revolving basis — only charging interest on the funds you actually withdraw. It’s a great option for new companies with a limited credit profile, though you’ll still need to generate at least $30,000 in annual revenue to qualify.

If approved, you can access your funds immediately, with draws typically arriving in your business bank account within two business days. However, a personal guarantee may be required, and you’ll need to be prepared to make weekly payments on any funds you borrow.

Read our full Fundbox review.

In order to qualify, you’ll need to meet Fundbox’s criteria of:

If you’re looking for revolving funds you can borrow from again and again, Bluevine’s business line of credit could be a good choice. A working capital line of credit allows you to borrow money as needed, only paying interest on the amount that you actually withdraw. Bluevine’s line of credit can provide up to $250,000.

If you have a Bluevine checking account, withdrawals are deposited immediately. If you’re transferring money to an external bank account, it could take up to three business days — or you could pay a fee to receive your funds in just a few hours. However, you’ll need to generate a minimum of $120,000 in annual revenue to qualify. And unless you’re able to meet even stricter criteria, weekly payments will be required.

Read our full Bluevine review.

In order to qualify, you’ll need to meet Bluevine’s criteria of:

Accion Opportunity Fund (AOF) is a nonprofit lender focused on helping business owners access the capital they need to start, grow and expand their companies. Though all are welcome to apply, 90% of AOF’s funding goes to underserved communities including minority entrepreneurs, women-owned businesses and companies with low-to-moderate income.

You must have at least 20% ownership in your company to be eligible for an AOF loan — although not all states are eligible for funding. You won’t be able to get a loan if you live in Montana, North Dakota, South Dakota, Tennessee, Vermont or the District of Columbia.

Read our full Accion Opportunity Fund review.

In order to qualify, you’ll need to meet Accion Opportunity Fund’s criteria of: