Top 10 Places To Get A Start-Up Business Loan

You have a great idea for a product or service, and the passion to be your own boss. That’s a great combination for a successful start-up, but there is one essential missing ingredient: start-up capital. If you’re lucky, you can obtain grant money, but grant money is hard to come by. Many aspiring entrepreneurs put their own skin in the game, bootstrapping their enterprises with credit cards. Other would-be business owners are able to obtain the cash they need from family and friends. But if those resources aren’t available to you, or you need to raise more money than those resources allow, there is still hop. Read on to see which are are the top sources for a start-up business loan.

Small Business Administration

sbaThe Small Business Administration (SBA) represents a tremendous resource for start-up capital. The SBA administers a variety of loan programs, including the popular 7(a) Loan Program for general start-up capital, the 504 Program for equipment purchases and its micro-loan program. The SBA website also provides a wealth of useful information for aspiring entrepreneurs, even if you don’t wind up borrowing through the SBA.

Best Business Loan Lenders

Veterans Administration

VA-bannerIf you are a veteran, you are entitled to a broad range of services and resources, including loans and other forms of start-up capital for your small business or entrepreneurial venture. The VA Office of Small and Disadvantaged Business Utilization website serves as a portal to a variety of resources exclusively targeting veterans. You can obtain information about federal, state and local information through the portal.

Community Banks

community bankMany large banks have severely tightened their credit requirements, especially where small business and entrepreneurial lending are concerned. But many community banks emphasize lending to local constituents, including would-be business owners. If you have a well-executed business plan that will create local jobs, you may find that community banks are more receptive than their national counterparts.

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Credit Unions

Credit-UnionCredit unions frequently have more tolerant lending policies than banks, because they are run as nonprofit ventures. You have to be a member of a credit union to qualify for a loan, but there are so many credit unions in existence these days that you are almost certainly qualified to join at least one. As with community banks, you may also receive a favorable reception from a credit union if your proposal boosts job opportunities for local residents.

Finance Companies

financeFree-standing finance companies have been a traditional resource for individuals who could not obtain bank loans. Interest rates for finance companies are typically higher than those for banks and credit unions. However, lending standards are often more lenient as well. Do not confuse finance companies with payday lenders, many of which prey on aspiring entrepreneurs just as they do with desperate individuals seeking personal loans. If you’re considering borrowing from a finance company that you’re unfamiliar with, check out the company with the Better Business Bureau or the Secretary of State or District Attorney’s offices in your states to be sure the company is legit.

Peer-to-Peer Loanspeer-to-peer

Peer-to-peer loans are the 21st century version of lending circles, with one important difference. Lending circles involve extended families, tribal groups, and other community-based relationships. By contrast, Peer-to-peer lending involves borrowing money collected from strangers. One important implication of this lending model is that prospective borrowers must disclose extensive personal information essentially to complete strangers. This information is compiled through online profiles, which may be subject to malicious attacks. Many peer-to-peer lending programs also have minimum credit score requirements that borrowers must meet in order to be eligible.

Best Business Loan Lenders

Home Equity Loan

home_equityHome equity lending used to be considered the go-to source of funding for everything from big weddings to kitchen overhauls. The housing crisis and tighter lending standards have put a damper on home equity loans, but they have not disappeared. If you cannot obtain funding any other way, a home equity loan can mean the difference between opening your doors for business and remaining a would-be entrepreneur with a dream.

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Credit Card Factoring

creditCredit card factoring involves obtaining financing based on projected future credit card transactions. As a business owner, you would receive a portion of your credit card payments immediately in exchange for allowing the credit card factoring company to take over your actual credit card revenues. Credit card factoring is usually only an option for more mature businesses. This is because business owners must demonstrate they have actual credit card revenues. If you have managed to pre-sell your product or service in advance of production as part of your start-up venture, you may be eligible for credit card factoring.

Best Business Loan Lenders

Venture Capitalists

ventureVenture capitalists are individuals or firms who provide capital to companies who don’t have access to equities markets. If your start-up has the potential to generate large revenues, you might peak the interest of a venture capitalist. If so, he or she will invest in your venture in exchange for equity or ownership of your company.

Angel Investors

angelAngel investors are similar to venture capitalists. Like venture capitalists, angel investors also seek promising ventures in which to invest their money. But angel investors tend to specialize in higher-risk and early-stage businesses. Venture capital investors will, typically, focus on more established companies with some kind of track record and a strong growth potential.

  • Mrs Hernandez Elizabeth

    Good Day Sir/Madam:

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  • Kathie Roper

    Testimony On How My Life was Transform through the help of a God-sent Lender..

    Hello everyone, I am writing this Testimony because am really grateful for what Mason Diego did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email Mr Diego via: { } or call (608) 728-8913 and be free of internet scams. thanks… Kathie Roper from California, USA.

    • morgan bill

      Good day everyone, I am Morgan Bill by name, i am a citizen of Mississippi ,Ontario , i have been looking forward for a genuine loan company for the past 9 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $4900 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company since i was scammed, so i went to borrow some money from a friend, i told her all that happened and she said that she knows a loan company that can help me, that she just got a loan from them, she directed me on how to apply for the loan, i did as i was instructed, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 48 hours, i could not believe, i am happy and could help my family up again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds do visit them now via {

  • Morgan Steev


    Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein {} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Herman Cein, who really helped me with my loan and changed my life for the better. I don’t know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: {}or call (201) 720-8275 for help.

  • Dorene Zeller


    My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: or or Tel: USA +12404374240 Tel:UK +447509546091.He is a trust worthy man.

  • Andrew Green

    Hello, Are you in need of urgent financial assistance for a personal purpose or for your business needs? Getting a legitimate loan have always been a huge problem to clients who have financial problem and need solution to it urgently. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. Be careful not to fall victims of various online loan scams here and eventually lost your hard earned money. If you need a credible and reputable loan for: Debt Consolidation, Business Loans, Personal Loans, Construction Loans and Car Loan for any kinds contact : (Email: or website: Skype: wburke-lendings. No social security and no credit check, 100% Guarantee. All you have to do is let us know exactly what you want and we will surely make your dream come true.

  • Nicole Marie

    Best Place To Get Your Financial Problem Solved (

    My Name is Nicole Marie, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers and i came across a God fearing man (Mr Martinez Lexie) who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $82,000.00 USD and i payed for my husband surgery and thank GOD today he is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Man Mr Martinez Lexie did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing man via Email: ( ) or reach him through this number +1 (406) 946-0675 thanks

  • Liana Alexander

    These places are a great start! For people who may not qualify for an SBA loan or want to go through the hassle of finding an angel investor, our firm can help. On average our clients obtain $50k-$250k for their real estate/startup/investment needs. If anyone has any questions or would like more information on the difference between these funding options and which may suit them best, feel free to give us a call (800) 996-0270

  • Hanna Johnson

    Hello Everyone, My name is Hanna Johnson,

    I’m from Alaska USA, i will like to talk about the goodness of God in my life after so many months of trying to get a loan on the internet and was been scammed so i became desperate in getting a loan from a legit lender online. But as God would have it,

    i saw a comment from a friend Denali Elan and he talked about this legit loan company where he got his loan fast and easy without any stress so he introduced me to a man called Mr Fred who controls a firm called “ROLAND LOAN FIRM”,

    So i applied for a loan sum of ($220,000.00USD) to start up a new business of my own with low interest rate of 2%,

    so the loan was approved and deposited into my bank account in less than 48hrs,

    that was how i was able to get my loan to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them

    via email: {} to get any kind of loan you need today,

    thanks as you read the greatest testimony of my life contact them today and be free from internet scam.

  • Jeff Chandler

    Hello friends!!! My name is Jeff Chandler. I want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result. I lost my hard earn money and it was a total of 4,560,000USD. One day I was browsing through the internet looking frustrated when I came across a testimony of a woman who was also scammed and eventually got linked to a legit loan company called Mark Benson’s Loan Company and email (M_BENSON27@YAHOO.COM) where she finally got her loan, so I decided to contact the same loan company and then told them my story on how I have been scammed by 3 different lenders who did nothing but to cause me more pain. I explain to the company by mail and all they told me was to cry no more because I will get my loan in their company and also I have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest astonishment I was given a loan amount of $60,000.00 US Dollars by this great Company (Mark Benson’s Loan Company} managed by Mr Mark Benson a God fearing man and here I am today happy because this company has given me a loan so I made a vow to my self that I will keep testifying on the internet on how I got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via email: M_BENSON27@YAHOO.COM.

    He is kind hearten.

    I remain Jeff Chandler…………

  • Peter Adams

    We offer loan facility to both individuals and companies who needs loan to finance their business ideals, to pay off their bills, expand their existing business, consolidate debts, to finance good projects e.t.c at interest rate of 3%. We also guide and render financial advice to our clients. Kindly contact us today for all your financial needs, so that we can discuss, sign agreement and then finance your project or business for you.

    Adams Peter.

  • White Horse Credit

    Are you in need of a loan? This is to inform the general public that we offer loans to individuals at 3% interest rate. Our loans are secured and guaranteed by the insurance company. Look no further and contact us to get a loan now more (

  • Ann Perry

    Hello, do you need a loan to pay off your debt, you re at the right place. I am a sincere and certified private money lender approved by the FEDERAL GOVERNMENT. I give out international and local loans to all countries in the world. Amount given out $1,000 to $100,000,000 Dollars, Euro and Pounds etc’, available now are Business, Personal, House, Travel and Student Loans.
    Apply for a loan today. Its Easy and fast to get. 2% interest rates and monthly installments payments. Check-out this great offer. For more information contact the below address:
    As soon as you contact us i will make you smile.
    Best regards.
    Williams Loan Finance.

  • Angela LINDA

    Hello All

    I am Dan Le Roi by name and i want you to know that there is an online lender who provide loans now and according to him, he is new in the business, i applied by Friday, and got my loan alert by Saturday morning.

    I also want to use this medium to thank him and his workers for the great job done.

    Contact him today through his email at, his name is Mr. Larry Scott Gregory. You can also contact him through his mobile number at +2349051442970.

    Thank you

    Dan Le Roi.