{"id":22523,"date":"2025-12-10T23:33:01","date_gmt":"2025-12-10T23:33:01","guid":{"rendered":"https:\/\/incredipros.com\/?p=22523"},"modified":"2025-12-10T23:33:03","modified_gmt":"2025-12-10T23:33:03","slug":"where-to-get-a-small-business-loan","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22523","title":{"rendered":"Where To Get A Small Business Loan"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Tim Robberts\/Getty Images\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_37cd1ba11423698b46052154a0ee2411\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Business loans are available from a variety of lenders, including banks, credit unions and online lenders.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Banks and credit unions are ideal for established businesses with good to excellent credit.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Compared to traditional lenders, online lenders and nonprofits are more willing to work with businesses with poor or bad credit.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>If you\u2019re ready for business financing, it can be tricky to decide where to get a small business loan. Loans are available from traditional banks, credit unions, online lenders and third-party lenders like community development financial institutions (CDFIs). \u00a0<\/p>\n<p>Choosing the best place for a small business loan is key to getting approval. Understanding how each lender differs, what eligibility criteria you have to meet and the pros and cons can help you determine the best place to get a business loan.<\/p>\n<h2 data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Where to get a small business loan\" data-outcome=\"\">Where to get a small business loan<\/h2>\n<p>There are several types of lenders available for small business loans. \u00a0According to the 2024 Small Business Credit Survey, small banks had the highest full approval rate for business loans at 54 percent, followed by finance companies and credit unions at 47 percent, large banks at 45 percent, and online lenders at just 30 percent.<\/p>\n<h3>Traditional banks and credit unions<\/h3>\n<p>Traditional banks and credit unions offer the most small business loan variety, including term loans, lines of credit, equipment financing, auto loans for commercial vehicles and commercial real estate loans. SBA loans, backed by the U.S. Small Business Administration, are also available through many banks and credit.<\/p>\n<p>Business loans from traditional banks are ideal if you have good or excellent credit and your company has been established for at least two years. Your business should also be operating profitably. Otherwise, getting approved for a loan can be more challenging.<\/p>\n<div id=\"block_d13c25662ce18e239f85c7e99dbb6d86\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Can help build business credit.<br \/>\nOffer face-to-face support (for banks and credit unions with physical locations).<br \/>\nTypically offer low interest rates.<\/li>\n<li>Can help build business credit.<\/li>\n<li>Offer face-to-face support (for banks and credit unions with physical locations).<\/li>\n<li>Typically offer low interest rates.<\/li>\n<li>Can provide a variety of loan amounts.<\/li>\n<li>Can provide a variety of loan amounts.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Extensive documentation requirements.<\/li>\n<li>Less likely to offer prequalification.<\/li>\n<li>Slower loan approvals and funding times.<\/li>\n<li>Stringent eligibility requirements.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>The 2024 Small Business Credit Survey found that 44 percent of low credit risk businesses \u2014 those with good to excellent credit \u2014 opted for a loan, line of credit or cash advance from a large bank. Another 31 percent went with a loan from a small bank, while only 11 percent went with a credit union.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>Online lenders<\/h3>\n<p>Online lenders, including fully online banks and financial technology companies, often feature a more streamlined application process than traditional lenders.\u00a0<\/p>\n<p>Like banks and credit unions, many online lenders offer term loans and lines of credit. \u00a0 In addition, they may also offer non-traditional financing options \u2014 such as merchant cash advances, invoice factoring and invoice financing \u2014 to business owners who don\u2019t meet traditional credit scores, annual revenue or time in business requirements.\u00a0<\/p>\n<div id=\"block_8fd6a476de126a73118fbfbe640380ac\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Non-traditional lending options.<\/li>\n<li>Can offer flexible or\u00a0more lenient eligibility requirements.<\/li>\n<li>Rapid approvals and funding times.<\/li>\n<li>Streamlined virtual application process.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>May not report payments to credit bureaus.<\/li>\n<li>No in-person customer support.<\/li>\n<li>Steep borrowing costs on non-traditional loan options.<\/li>\n<li>Typically, less favorable\u00a0interest rates than bank loans.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>According to the 2024 Small Business Credit Survey, 24 percent of all businesses looking for a loan, line of credit or cash advance applied for financing with online lenders. When looking at medium to high credit risk applicants \u2014 those with fair to poor credit \u2014 the number jumps to 45 percent.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>Community Development Financial Institutions (CDFIs)<\/h3>\n<p>CDFIs are banks, credit unions or third-party lenders that are certified by the U.S. Treasury Department and target businesses in underserved communities like minority-, women- or low-income businesses. CDFIs can offer all the same loan products you would find with a traditional lender, and often preserve the low interest rates as well.\u00a0<\/p>\n<p>To find a CDFI near you, you can start with your state government\u2019s website, or look at the CDFI locator offered by Opportunity Finance Network.\u00a0<\/p>\n<div id=\"block_13602d3017fe4873c88f4d3a8e38803a\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Accessible by underserved business owners.<\/li>\n<li>Lower credit score minimums.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Slow approval times.<\/li>\n<li>Small maximum loan amounts.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Nonprofits also provide financial support to small businesses in the form of grants. Many organizations target underserved communities, such as women, minorities and veterans, since they tend to face barriers to accessing capital.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What kind of lender is right for me?\" data-outcome=\"\">What kind of lender is right for me?<\/h2>\n<p>When you\u2019re ready to choose a lender, start by assessing your needs and decide on a loan amount. If you need a sizable loan \u2014 think $500,000 or more \u2014 you may have more luck with a traditional bank or credit union than an online lender or nonprofit.<\/p>\n<h3>Consider the type of loan that\u2019s best for your business<\/h3>\n<p>Understanding the right type of loan for your business can help you narrow down your options for business lenders.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<tbody>\n<tr>\n<td><strong>Business loan type<\/strong><\/td>\n<td><strong>Description<\/strong><\/td>\n<td><strong>Rating<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Term loans<\/td>\n<td>Provides one lump sum upfront, followed by regular payments according to the set repayment schedule.<\/td>\n<td>Speed: \u2605\u2605\u2605\u2605\u2606<br \/>Cost: \u2605\u2605\u2605\u2605\u2605<br \/>Requirements: \u2605\u2605\u2605\u2606\u2606<br \/>Funding amounts: \u2605\u2605\u2605\u2605\u2605<\/td>\n<\/tr>\n<tr>\n<td><u>Business lines of credit<\/u><\/td>\n<td>Offers flexible access to a line of credit, allowing multiple draws up to the credit limit, with interest paid only on your outstanding balance.<\/td>\n<td>Speed: \u2605\u2605\u2605\u2605\u2606<br \/>Cost: \u2605\u2605\u2605\u2605\u2605<br \/>Requirements: \u2605\u2605\u2605\u2605\u2606<br \/>Funding amounts: \u2605\u2605\u2605\u2605\u2606<\/td>\n<\/tr>\n<tr>\n<td><u>Equipment financing<\/u><\/td>\n<td>Loans used for the purchase of business equipment and machinery.<\/td>\n<td>Speed: \u2605\u2605\u2605\u2605\u2606<br \/>Cost: \u2605\u2605\u2605\u2605\u2606<br \/>Requirements: \u2605\u2605\u2605\u2605\u2606<br \/>Funding amounts: \u2605\u2605\u2605\u2605\u2605<\/td>\n<\/tr>\n<tr>\n<td>Microloans<\/td>\n<td>If you don\u2019t need a ton of funding, microloans can be easier to access than traditional term loans. They are available through nonprofits, banks and also as\u00a0<u>SBA-approved microloans<\/u>. With most microloans, you can access up to $50,000 in working capital or startup funding for your business.<\/td>\n<td>Speed:\u00a0\u2605\u2605\u2605\u2606\u2606<br \/>Cost:\u00a0\u2605\u2605\u2605\u2605\u2606<br \/>Requirements:\u00a0\u2605\u2605\u2605\u2605\u2606<br \/>Funding amounts:\u00a0\u2605\u2605\u2605\u2606\u2606<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Examine your financial health and review lender requirements<\/h3>\n<p>Most lenders have \u00a0minimum credit score, debt-to-income, annual revenue and time in business requirements. Understanding what you qualify for can help you point your efforts to the right lender.\u00a0<\/p>\n<p>Also, some lenders specialize in working with startups. Along with reviewing requirements, consider using a business loan calculator to ensure you know what repayments your business budget can afford.<\/p>\n<h3>Search and compare lenders<\/h3>\n<p>Once you know how you\u2019ll use the funds, the amount you need and what types of loans are best, begin your search for lenders offering these lending options. Compile a list of lenders that could work and dig deeper to determine if they\u2019re reputable or if you should look elsewhere. Look for reviews on Trustpilot and complaints on the Better Business Bureau website.<\/p>\n<h3>Get prequalified or preapproved<\/h3>\n<p>Some lenders allow you to view potential loan offers without impacting your credit score, including monthly payments, repayment periods and interest rates. If you have this option, comparing loan offers before applying will help you decide which lender offers the best deal. You\u2019ll also avoid applying with lenders who aren\u2019t a good fit.<\/p>\n<p>Ultimately, a business loan from a traditional lender or credit union is best for established companies operating profitably. Your credit health is equally important \u2014 it must be up to par to qualify for the most competitive terms.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Loans for subprime borrowers\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Funding from traditional lenders like banks or credit unions may be out of the question for those with bad credit. As an alternative, subprime borrowers should consider online lenders. These often have flexible lending criteria and offer several types of bad credit business loans, including term loans, equipment loans and lines of credit.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Figuring out where to go to get a business loan can be a big decision. You can get loans from online lenders, large and small banks, credit unions or some nonprofits. Evaluate your credit health and business loan needs and compare several lenders before applying.<\/p>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-what-is-the-easiest-loan-to-get-for-a-business', 'heading-what-is-the-easiest-loan-to-get-for-a-business']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-the-easiest-loan-to-get-for-a-business')\" :aria-controls=\"$id('panel-what-is-the-easiest-loan-to-get-for-a-business')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the easiest loan to get for a business?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-the-easiest-loan-to-get-for-a-business')\" :aria-labelledby=\"$id('heading-what-is-the-easiest-loan-to-get-for-a-business')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            It depends on how long you\u2019ve been in business and your finances. A business line of credit may be easiest if your business is brand new. If you need a large piece of equipment, an equipment loan may be easiest since the product is collateral to secure the loan. Researching your options and considering the criteria necessary to qualify can help you choose the\u00a0right small business lender for the easiest loan.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-a-new-llc-get-a-loan', 'heading-can-a-new-llc-get-a-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-a-new-llc-get-a-loan')\" :aria-controls=\"$id('panel-can-a-new-llc-get-a-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can a new LLC get a loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-a-new-llc-get-a-loan')\" :aria-labelledby=\"$id('heading-can-a-new-llc-get-a-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Yes. New LLCs may want to consider lenders offering\u00a0startups loans to fund their new venture. Eligibility requirements vary by lender, as do interest rates and potential fees that can add to the cost of the loan. As a new business, you may face higher interest rates than an established LLC, but if you have an existing relationship with a lender, it may be the best place to start.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-is-an-online-lender-less-safe-than-a-traditional-bank', 'heading-is-an-online-lender-less-safe-than-a-traditional-bank']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-an-online-lender-less-safe-than-a-traditional-bank')\" :aria-controls=\"$id('panel-is-an-online-lender-less-safe-than-a-traditional-bank')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is an online lender less safe than a traditional bank?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-an-online-lender-less-safe-than-a-traditional-bank')\" :aria-labelledby=\"$id('heading-is-an-online-lender-less-safe-than-a-traditional-bank')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\nOnline banks are usually FDIC-insured like traditional banks, making them just as safe. Some\u00a0online lending options may offer more lenient approval requirements but can come at a higher cost. It\u2019s important to research lenders before submitting your personal identifying information to ensure it will safeguard your data before applying.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"Ma5ktYwRrR\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/loans\/small-business\/where-to-get-a-business-loan\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tim Robberts\/Getty Images Key takeaways Business loans are available from a variety of lenders, including banks, credit unions and online lenders. Banks and credit unions are ideal for established businesses with good to excellent credit. Compared to traditional lenders, online lenders and nonprofits are more willing to work with businesses with poor or bad credit.<\/p>\n","protected":false},"author":1,"featured_media":22524,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[62],"tags":[],"class_list":{"0":"post-22523","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-small-business"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Where To Get A Small Business Loan | IncrediPros<\/title>\n<meta name=\"description\" content=\"Tim Robberts\/Getty Images Key takeaways Business loans are available from a variety of lenders, including banks, credit unions and online lenders. 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