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Small Business Loans from

BBB Approved Companies

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Starting a business or funding an existing one can be difficult.
It can be expensive to pay for all the equipment, machinery, location and the inventory you need to get the doors open.
Then, once it is open, you have to rely on customers to pay on time, which can mean having a low amount of capital, especially if you have an accounts receivable. That is why small business loans exist. If your business needs financing to operate, this option can offer substantial help.

whatWhat Are Small Business Loans?

If you own a small business, which is any organization with fewer than 50 employees, you may qualify for this type of loan. It is available to sole proprietors (individuals who own a non-incorporated business), partners, as well as some LLC organizations.

As a business entity, you may apply for a loan from a small business lender. Various organizations offer this financial service, including traditional banks, specialized lenders, and even non-traditional options, such as hard moneylenders, angel investors, and private funding sources. There are also organizations that facilitate group funding of business loans.

Some of these loans are secured, which means some type of collateral backs the loan. This may be real estate, equipment, or personal assets or the owner. Other types of business loans are unsecured, which tend to have higher interest rates because they are more of a risk to lenders.

These loans tend to provide affordable rates overall if the credit securer, which is either the business itself or the owner, has good credit. If the business or the owners have bad credit, it may limit the access for financing.

whatWhy Do Small Businesses Need It?

The funds can be used in various ways for different purposes, including:

• As working capital to keep the business open during the off season or when accounts receivable have not been paid yet.

• As funds to purchase general goods, office furniture and inventory.

• Investment in new machinery and manufacturing equipment.

• As start up funding for the business.

• For the expansion, development or reorganization of an existing business.

• Franchise financing.

• Improvements and renovations.

• Debt refinancing.
whatWhat Are the Benefits of Obtaining Such a Loan?

If the borrower has good credit, these types of loans can be very affordable choices. They can be used for nearly any need the business has. Additionally, unlike investors, lenders do not own a portion of the business. Rather, the owner retains those rights.

It is critically important to work with a legitimate company that the customer can trust, count on and feel safe about.
When you deal with a BBB accredited lender, you know you are working with a more reliable financing source and that's an advantage that shouldn't be underestimated nor overlooked.