Live business loan rates from 500+ US banks
Bank-rate pricing, no broker markup. Rates depend on credit profile, time in business, and loan structure. These are the typical ranges Frank's bank panel quotes today.
Last updated: May 2026
SBA 7(a) Loans
Bank-rate pricing, no broker markup. Rates depend on credit profile, time in business, and loan structure. These are the typical ranges Frank's bank panel quotes today.
Borrow up to $5,000,000
Prime + negotiable (SBA.gov, April 2026)
Terms up to 10 years (25 years for commercial real estate)
Equipment Finance
HVAC equipment, vehicles, machinery, fitouts.
7%–14%.
Terms 2–7 years.
Loan amounts $25K–$1M.
Unsecured business loans
A straightforward cash injection with no asset tied to it. Used for stock, staffing, refurbishment or cashflow gaps, with fixed monthly payments and nothing pledged as collateral.
Borrow from $50,000
Rates from 6.50% APR
Terms from 12 to 60 months
700+ FICO and 2 years in business typically required at bank level
Working capital lines
Revolving credit for cash-flow gaps and seasonal swings.
8%–15%. Renewable annually.
Lines $50K–$500K.
SBA 504 Loans
Working capital, expansion, acquisitions, and refinancing.
Prime + 2.25%–4.75% (effectively 8.5%–11% in 2026).
Terms up to 10 years (25 years for commercial real estate).
Loan amounts up to $5M.
Invoice Finance
Stop waiting 30, 60 or 90 days to get paid. Unlock the cash sitting in your outstanding invoices and put it to work right now, without taking on debt or giving up equity.
Advance up to 100% of invoice value
Your customers' credit drives approval, not yours
No debt added to your balance sheet
Rates vary by provider and invoice volume, Frank finds the best fit
Asset-back Finance
Invoice finance, inventory finance, equipment-backed loans. Pricing depends on collateral type — typically Prime + 3%–6%.
Lines of credit
Flexible funding on standby. Draw what you need, when you need it, and only pay interest on what you use. The smartest way to manage cashflow without locking into a fixed loan.
Borrow from $10,000 unsecured or $25,000 secured
Rates: 8.00%–17.25% APR depending on credit profile
Revolving, repay and redraw as needed
Annual renewal; no interest until you draw
Bank grade lending without bank-grade turnaround time.
Last updated: May 2026
Frank works across a panel of national and state lenders to find the right product for your business, at rates that reflect what your business is actually worth and at speed that allow you to keep moving
SBA 7(a) Loans
The most popular government-backed loan in America. Designed for working capital, expansion, acquisitions and refinancing, with rates capped by the SBA and terms no MCA can touch.
Borrow up to $5,000,000
Prime + negotiable (SBA.gov, April 2026)
Terms up to 10 years (25 years for commercial real estate)
SBA 504 Loans
The lowest fixed rate available to American small businesses. Built for major purchases, commercial real estate, heavy equipment and large-scale buildouts, with repayment terms up to 25 years.
Fixed rates set by the SBA, currently 5%–7.5% range
Borrow up to $5,500,000
10% down payment required
Equipment Finance
Finance the tools your business needs with fixed monthly payments and no drain on your working capital. Spread the cost of new or used equipment and keep cash where it belongs, in your business.
Borrow from $25,000
Rates from 6.50% APR
Terms up to 5 years
Equipment secures the loan — no blanket lien on your business
Invoice Finance
Stop waiting 30, 60 or 90 days to get paid. Unlock the cash sitting in your outstanding invoices and put it to work right now, without taking on debt or giving up equity.
Advance up to 100% of invoice value
Your customers' credit drives approval, not yours
No debt added to your balance sheet
Rates vary by provider and invoice volume, Frank finds the best fit
Unsecured business loans
A straightforward cash injection with no asset tied to it. Used for stock, staffing, refurbishment or cashflow gaps, with fixed monthly payments and nothing pledged as collateral.
Borrow from $50,000
Rates from 6.50% APR
Terms from 12 to 60 months
700+ FICO and 2 years in business typically required at bank level
Asset-back Finance
Put your balance sheet to work. If your business holds receivables, inventory, equipment or real estate, you can borrow against their value, often at better rates than unsecured alternatives.
Revolving credit line that scales with your assets
Rates competitive with secured bank lending
Ideal for manufacturing, distribution, staffing and wholesale
Lines of credit
Flexible funding on standby. Draw what you need, when you need it, and only pay interest on what you use. The smartest way to manage cashflow without locking into a fixed loan.
Borrow from $10,000 unsecured or $25,000 secured
Rates: 8.00%–17.25% APR depending on credit profile
Revolving, repay and redraw as needed
Annual renewal; no interest until you draw
Bank grade lending without bank-grade turnaround time.
Last updated: May 2026
Frank works across a panel of national and state lenders to find the right product for your business, at rates that reflect what your business is actually worth and at speed that allow you to keep moving
SBA 7(a) Loans
The most popular government-backed loan in America. Designed for working capital, expansion, acquisitions and refinancing, with rates capped by the SBA and terms no MCA can touch.
Borrow up to $5,000,000
Prime + negotiable (SBA.gov, April 2026)
Terms up to 10 years (25 years for commercial real estate)
SBA 504 Loans
The lowest fixed rate available to American small businesses. Built for major purchases, commercial real estate, heavy equipment and large-scale buildouts, with repayment terms up to 25 years.
Fixed rates set by the SBA, currently 5%–7.5% range
Borrow up to $5,500,000
10% down payment required
Equipment Finance
Finance the tools your business needs with fixed monthly payments and no drain on your working capital. Spread the cost of new or used equipment and keep cash where it belongs, in your business.
Borrow from $25,000
Rates from 6.50% APR
Terms up to 5 years
Equipment secures the loan — no blanket lien on your business
Invoice Finance
Stop waiting 30, 60 or 90 days to get paid. Unlock the cash sitting in your outstanding invoices and put it to work right now, without taking on debt or giving up equity.
Advance up to 100% of invoice value
Your customers' credit drives approval, not yours
No debt added to your balance sheet
Rates vary by provider and invoice volume, Frank finds the best fit
Unsecured business loans
A straightforward cash injection with no asset tied to it. Used for stock, staffing, refurbishment or cashflow gaps, with fixed monthly payments and nothing pledged as collateral.
Borrow from $50,000
Rates from 6.50% APR
Terms from 12 to 60 months
700+ FICO and 2 years in business typically required at bank level
Asset-back Finance
Put your balance sheet to work. If your business holds receivables, inventory, equipment or real estate, you can borrow against their value, often at better rates than unsecured alternatives.
Revolving credit line that scales with your assets
Rates competitive with secured bank lending
Ideal for manufacturing, distribution, staffing and wholesale
Lines of credit
Flexible funding on standby. Draw what you need, when you need it, and only pay interest on what you use. The smartest way to manage cashflow without locking into a fixed loan.
Borrow from $10,000 unsecured or $25,000 secured
Rates: 8.00%–17.25% APR depending on credit profile
Revolving, repay and redraw as needed
Annual renewal; no interest until you draw
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Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners. Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York. Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.
© Frank 2026
Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.
Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.
Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.
© Frank 2026
Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.
Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.
Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.
© Frank 2026