Financing

Financing your LLC

A loan on the wrong terms can cost your business more than it brings in. These guides explain how LLCs borrow (SBA loans, lines of credit, working capital and equipment financing), what lenders check and how to build the business credit that gets you better terms.

Where to start

If your LLC is new, set up what lenders look for before you apply: an EIN, a business bank account and accounts that report your on-time payments. When you’re ready to borrow, check SBA options first, since they’re usually the cheapest. Compare every offer on its total cost, and treat short-term loans priced with factor rates as a last resort.

LLC business loansLoan types, lenders and requirements compared.SBA loans for an LLC7(a) up to $5M, microloans up to $50K.Startup loans for a new LLCWhat works in year one.How to build business creditSeven steps and the tools that report.

Lenders and tools we track

Revolving credit for established LLCs

Bluevine Line of Credit

Rates from 7.8%

  • Credit lines up to $250,000
  • Rates as low as 7.8% for top-qualifying customers
  • Checking eligibility doesn’t affect your credit score

Watch out: Needs 12+ months in business and $10K monthly revenue

Visit Bluevine Line of Credit
Fast working capital · equipment

National Funding

Factor-rate pricing

  • Working capital from $6,000 to $500,000
  • Equipment financing up to $150,000
  • Funding as fast as the next business day

Watch out: Factor-rate pricing can be expensive — compare the total payback

Visit National Funding
Build business credit · loan matching

Nav

Free · Prime from $39.99/mo

  • Free plan with business credit ranges from D&B, Experian and Equifax
  • Nav Prime reports your membership as a tradeline to business bureaus
  • Shows financing you’re likely to qualify for

Watch out: Full scores and the tradeline need Nav Prime ($39.99–$74.99/mo)

Visit NavRead our Nav review →

Loan amounts, rates and requirements come from each lender’s site and change often. Approval isn’t guaranteed. Compare the total cost (APR or total payback), not just the payment. Verified October 18, 2026. We may earn a commission if you sign up through our links, at no cost to you. How we’re funded.

Frequently asked questions

Can a new LLC get a loan?

It’s harder without history. SBA microloans, equipment financing and building business credit first are the realistic options. Startup options.

What credit score do LLC loans require?

Bluevine’s line of credit asks for 625+; National Funding says most customers have 600+. SBA lenders look at overall creditworthiness.

What is the cheapest loan for an LLC?

Usually an SBA loan, with rates capped by SBA rules. Short-term online loans priced with factor rates are typically the most expensive.

How do I build business credit?

Get an EIN, open a business bank account, get listed with business bureaus and add accounts that report on-time payments. 7 steps.