Small business financing marketplace

Compare business funding by what it really costs.

Apply once. See offers from multiple lenders side by side, each translated into APR and total payback before you sign anything.

No hit to your credit

We use a soft credit check to show offers. Your score stays the same.

Every offer, same format

Amount, term, payments, total payback and APR, lined up so the cheapest is obvious.

Check my offers How it works

Offer translator

Got a quote with a "factor rate"? See its APR.

Many fast lenders quote a factor rate instead of an interest rate. Enter the terms and see what it costs per year.

Payments are taken
Each payment—
Number of payments—
Total you repay—
Cost of the money (incl. fee)—
Estimated APR—

Estimate for comparison only. Assumes equal payments, 21 business days a month for daily payments, and the fee taken from the amount funded. Your lender's disclosure is the final word.

Shopping for business money shouldn't take a week of phone calls.

$0

Cost to apply

Lenders pay us when a loan funds. You never pay us anything.

1

Application, several lenders

Fill it out once. We send it only to lenders that fit your business.

~10 min

To apply

Basic details plus your bank connection or recent statements.

How it works

One application. Several lenders. One clear comparison.

We are not a lender. We work for you: we send your application to lenders that fit and line their offers up in the same format.

  1. Step 1

    Tell us about your business

    Basic details, how much you need and what it's for. Connect your business bank account or upload recent statements.

    About 10 minutes

  2. Step 2

    Compare your offers

    Every offer shows the amount, term, payment schedule, total payback and estimated APR in the same layout.

    Often within 1 business day

  3. Step 3

    Pick one and get funded

    You choose the offer and sign directly with that lender. Funds go straight to your business bank account.

    As fast as 24 hours after signing

Financing types

The right kind of money for the job.

The cheapest financing is usually the one that matches what you're paying for. Here's what our lending partners offer.

Working capital loans

A lump sum for payroll, inventory or a slow season, repaid on a fixed schedule.

Amount
$10K–$500K
Term
3–24 mo
Speed
1–3 days

Business lines of credit

Draw what you need, when you need it. Pay only on what you use.

Limit
$10K–$250K
Draw term
6–24 mo
Speed
1–5 days

Equipment financing

Trucks, machines, ovens, lifts. The equipment secures the deal, which usually lowers the rate.

Amount
Up to 100% of cost
Term
12–72 mo
Speed
2–7 days

Invoice factoring

Get paid now for invoices your customers will pay in 30–90 days.

Advance
70–90% of invoice
Fee
1–5% / month
Speed
1–3 days

SBA loans

Government-backed loans with the lowest rates and longest terms. Slower, with more paperwork.

Amount
$50K–$5M
Term
up to 10–25 yr
Speed
30–90 days

Revenue-based financing

Repay as a share of monthly sales, so payments shrink in slow months.

Amount
$10K–$1M
Repayment
% of revenue
Speed
2–5 days
Find my best option Questions about financing types

Why us

What a single-lender site won't show you.

A lender's own site can only sell you its own product. We put several side by side.

Typical online lender

Applying directly on one lender's site.

Offers you see1
How cost is shownFactor rate
Who they work forThe lender
  • APR on every offer
  • Compare other lenders
  • Calls only when you ask
  • Disclosed compensation
You're here

Good Business Capital

One application, matched to several lenders.

Offers you seeSeveral
How cost is shownAPR + total
Who we work forYou
  • APR on every offer
  • Compare other lenders
  • Calls only when you ask
  • Disclosed compensation

Who qualifies

What most of our lending partners look for.

Every lender sets its own bar. Missing one of these doesn't rule you out; it changes which offers you'll see.

Have these open before you apply

Your EIN, last 3–6 months of business bank statements (or online banking login), annual revenue and a short note on what the money is for.

  • Time in business6+ months
  • Revenue$10,000+ / month
  • Personal credit score550+
  • Business bank accountRequired
  • Located inUnited States

FAQs

Straight answers about how this works, what it costs and what happens to your information.

Check my offers
Are you a lender?

No. Good Business Capital is a marketplace. We match your application with lenders in our network. If you accept an offer, your agreement is directly with that lender.

How do you make money?

When a loan funds, the lender pays us a referral fee. You never pay us anything. We show offers sorted by cost to you, not by what we earn.

Will checking my offers hurt my credit?

No. We and our partners use a soft credit check to show offers, which doesn't affect your score. A lender may run a hard check only after you choose its offer and move forward.

What's a factor rate, and why convert it to APR?

A factor rate is a multiplier: take $50,000 at 1.30 and you repay $65,000. It sounds like 30%, but repaid over 9 months with daily payments, the yearly cost is far higher. APR puts every offer on the same yearly scale so you can compare them fairly. Try the offer translator at the top of this page.

How fast can I get funded?

Many working capital and line-of-credit offers fund within 1–3 business days of signing. Equipment financing usually takes under a week. SBA loans take 30–90 days.

What will you do with my information?

We share your application only with lenders that may fund your business, and only to get you offers. We never sell your information to marketers. See our privacy policy for details.

Check my offers

See what your business qualifies for.

Free, about 10 minutes, and checking won't affect your credit score. We'll email you when your offers are ready to compare.

  • Soft credit check only
  • APR and total payback on every offer
  • No obligation to accept anything
Your business
About you