LendingUSA Business Loans

LendingUSA Business Loans

in Business Loans from LendingUSA, LLC


LendingUSA Business Loans


in Business Loans from LendingUSA, LLC

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Community Rating Strongly recommended
Loan Amount $1,000 - $35,000
APR 16.39% - 29.99%
Loan Term Up to 60 months

LendingUSA Business Loans Review

Where does LendingUSA Business Loans do business?

LendingUSA Business Loans is a business financing offering by LendingUSA, LLC, a direct lender based in Sherman Oaks, CA. Founded in 2007, LendingUSA, LLC offers access to business loans in 45 states (and Washington, DC).

What are LendingUSA Business Loans’s rates?

LendingUSA Business Loans offers a business financing product that ranges from 16.39% APR up to 29.99% APR.

Does LendingUSA Business Loans charge an origination fee?

Yes, LendingUSA Business Loans charges a loan origination fee starting at 8% of the loan amount. LendingUSA Business Loans deducts the fee directly from your loan amount before disbursing loan proceeds, so make sure you take this fee into account when deciding how much you need to borrow.

What limitations does LendingUSA Business Loans set on the purpose of the loan?

LendingUSA Business Loans considers loan applications for business purposes, such as:

  • Business Debt Refinance
  • Equipment Purchase
  • Hiring
  • Inventory
  • Lease Improvement
  • New Location
  • Payroll
  • Product or Service Expansion
  • Technology Investment
  • Working capital

What types of business loans does LendingUSA Business Loans offer?

Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. LendingUSA Business Loans provides access to the following business loan types:

  • Unsecured term loans

Does LendingUSA Business Loans charge prepayment fees?

Yes, LendingUSA Business Loans charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

How much can you borrow from LendingUSA Business Loans?

Loan amounts start at $1,000 and go up to $35,000.

What is the maximum loan term you can get with LendingUSA Business Loans?

LendingUSA Business Loans offers business loans with a maximum term of 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for LendingUSA Business Loans?

LendingUSA Business Loans does not require borrowers to have been in business for a minimum number of years. Businesses don't have to meet a minimum annual revenue to be considered.

Applicants with a credit score of at least 560 and up to 850 are eligible for LendingUSA Business Loans.

LendingUSA Business Loans does not have or does not disclose a minimum annual income eligibility requirement. LendingUSA Business Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via LendingUSA Business Loans. Their rates fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Proof of identity
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  • Headquarters
  •   15303 Ventura Blvd., Suite 850
    Sherman Oaks, CA 91403
  •   Visit Site

Other Services by LendingUSA, LLC


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  Available in 45 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Origination Fee Starting at 8%
Credit Score Range 560 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Verification Documents Required
  • Proof of Identity
  • Proof of Income
Loan Amount $1K - $35K
Loan Term Up to 60
APR 16.39% - 29.99%

LendingUSA Business Loans Community Reviews


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