$100,000 Business Loan — Fast Approval, Multiple Options
Get a $100,000 business loan in 24–48 hours. Compare SBA, working capital, and line of credit options. Apply in 5 minutes. Soft credit pull only.
Easy Funding
One application, 75+ funding sources. Get matched in minutes, not weeks.
Fast Approval
Most businesses get approved and funded within 24-48 hours.
Best Fit
We match your business to the right product — SBA, line of credit, or working capital.
No Obligation
Soft credit pull only. See your options without any impact to your score.
Need $100,000 for your business? Here are your options, ranked from cheapest to fastest.
Best $100,000 Loan Options by Situation
If You Qualify for SBA Express — Cheapest Option
Best for: 2+ years in business, 680+ credit, $200K+ annual revenue.
- Amount: $100,000
- Rate: 10.5%–14.5% APR
- Term: Up to 10 years
- Decision: 36 hours
- Funding: 5–10 business days
If You Need It Fast — Working Capital or Line of Credit
Best for: Any business needing cash in 24–48 hours.
- Rate: 8%–30% APR
- Term: 3–18 months (loan) or revolving (LOC)
- Decision: Same day
- Funding: 24–48 hours
If Your Credit Is Under 600 — Revenue-Based Funding
Best for: Established businesses with 500+ credit but consistent revenue.
- Cost: Factor 1.1–1.4
- Term: 3–18 months
- Decision: Same day
- Funding: Same day
Requirements for a $100,000 Business Loan
Most lenders need: - 6+ months in business (fintech) or 2+ years (SBA) - $10,000+ monthly revenue - 550+ credit (fintech) or 680+ (SBA) - Business bank account - Last 3 months of bank statements - Driver’s license and EIN
How to Apply
- Apply online — 5 minutes, soft credit pull
- Get matched — See offers from multiple lenders
- Choose your option — Compare terms side-by-side
- Get funded — 24–48 hours for most products
FAQ
Can I get $100,000 with bad credit?
Yes. Revenue-based funding qualifies businesses with credit scores as low as 500.
How fast can I get $100,000?
Alternative lending products fund in 24–48 hours. SBA Express takes 5–10 business days.
What’s the best rate I can expect on $100,000?
SBA Express loans offer the lowest rates at 10.5%–14.5% APR.
Can I use $100,000 for any business purpose?
Most products have no restrictions on use.