{"id":291,"date":"2025-03-06T17:35:06","date_gmt":"2025-03-06T17:35:06","guid":{"rendered":"https:\/\/www.techrepublic.com\/?p=4295765"},"modified":"2025-03-06T17:35:06","modified_gmt":"2025-03-06T17:35:06","slug":"6-best-banks-for-small-business-loans-in-2025","status":"publish","type":"post","link":"https:\/\/blog.tecnoartesanos.com\/index.php\/2025\/03\/06\/6-best-banks-for-small-business-loans-in-2025\/","title":{"rendered":"6 Best Banks for Small Business Loans in 2025"},"content":{"rendered":"<p>The best banks for small business loans offer competitive loan options along with essential services like checking accounts, merchant services, and business credit cards. This guide highlights top banks and covers their loan offerings, banking products, and additional services, whether you need short-term working capital, long-term real estate loans, or a business line of credit.<\/p>\n<p>Here\u2019s a breakdown of the best banks for small business loans that offer comprehensive solutions to meet your needs:<\/p>\n<ul>\n<li>Best small business line of credit and interest-earning checking: <a href=\"https:\/\/link.technologyadvice.com\/r\/bluevine-loc-tr-best-banks-for-small-business-loans\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Bluevine<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-1d1a921f1378\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-1d1a921f1378\" class=\"trcom-info-content d-none sr-text\">Provider is a fintech platform; not a bank. It provides FDIC insurance and deposit services through a partnership with Coastal Community Bank.<\/span> <\/span> <\/li>\n<li>Best long-term CRE loans with free business checking: <a href=\"https:\/\/link.technologyadvice.com\/r\/us-bank-sba\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>U.S. Bank<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-7cb2fcc4a8e7\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-7cb2fcc4a8e7\" class=\"trcom-info-content d-none sr-text\">Member FDIC.<\/span> <\/span> <\/li>\n<li>Best multi-family CRE lender with excellent business banking: <a href=\"https:\/\/link.technologyadvice.com\/r\/chase-commercial-real-estate-loan\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Chase<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-499234f6dd6b\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-499234f6dd6b\" class=\"trcom-info-content d-none sr-text\">Member FDIC.<\/span> <\/span> <\/li>\n<li>Best for eCommerce businesses: <a href=\"https:\/\/link.technologyadvice.com\/r\/mercury-working-capital-loans\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Mercury<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-fea8b78714de\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-fea8b78714de\" class=\"trcom-info-content d-none sr-text\">Provider is a fintech platform, not a bank. It provides FDIC insurance and deposit services through a partnership with Choice Financial Group and Evolve Bank &amp; Trust.<\/span> <\/span> <\/li>\n<li>Best for multiple business loan products and free business credit score: <a href=\"https:\/\/link.technologyadvice.com\/r\/bofa-small-business-loans\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Bank of America<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-4c04553dc158\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-4c04553dc158\" class=\"trcom-info-content d-none sr-text\">Member FDIC.<\/span> <\/span> <\/li>\n<li>Best for small businesses seeking quick financing: <a href=\"https:\/\/link.technologyadvice.com\/r\/live-oak-bank-express\" target=\"_blank\" rel=\"nofollow sponsored noopener\"><strong>Live Oak Bank<\/strong><\/a> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-235c06041c19\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-235c06041c19\" class=\"trcom-info-content d-none sr-text\">Member FDIC.<\/span> <\/span> <\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Best_banks_for_small_business_loans_quick_comparison\"><\/span>Best banks for small business loans quick comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Below, I summed up the top features I considered for the six financial providers. Here is our list of the best banks for small business loans.<\/p>\n<p><strong>Loan information<\/strong><\/p>\n<p> <!-- #tablepress-4341-no-2 from cache --><\/p>\n<p><strong>Checking account information<\/strong><\/p>\n<p> <!-- #tablepress-4342-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"bluevine-best-overall-business-loan-bank\" readability=\"28.762886597938\">\n<h2>Bluevine: Best overall business loan bank<\/h2>\n<figure id=\"attachment_4295796\" aria-describedby=\"caption-attachment-4295796\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4295796\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bluevine.jpg\" alt=\"Bluevine logo.\" width=\"300\" height=\"69\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bluevine.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bluevine-50x12.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bluevine-270x62.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4295796\" class=\"wp-caption-text\">Image: Bluevine<\/figcaption><\/figure>\n<p><strong>Our rating: 4.18 out of 5<\/strong><\/p>\n<h3>Why I chose it<\/h3>\n<p>I chose Bluevine as the best overall business loan bank for its excellent line of credit, offering a limit of up to $250,000 and a rate starting at 7.8%. Businesses with $120,000 in annual revenue and 12-plus months of operation can easily qualify. Through Bluevine\u2019s line of credit, you can improve your business cash flow, manage large expenses, and boost your credit score for future financing since your repayment history is reported.<\/p>\n<p>In addition, you can open Bluevine Standard, a fee-free business checking account granting an APY of 1.5% for qualifying balances of up to $250,000. Bluevine is also named among our <a href=\"https:\/\/www.techrepublic.com\/article\/best-online-business-bank-accounts\/\">top online business bank accounts<\/a> for easy online account application and an outstanding line of credit.<\/p>\n<h3>Lines of credit<\/h3>\n<ul>\n<li><strong>Loan amount:<\/strong> Up to $250,000<\/li>\n<li><strong>Interest rates:<\/strong> As low as 7.8%<\/li>\n<li><strong>Terms:<\/strong> 6 or 12 months<\/li>\n<li><strong>Funding speed:<\/strong> 24 hours<\/li>\n<\/ul>\n<h3>How to qualify<\/h3>\n<ul>\n<li>Business operation for at least 12-plus months<\/li>\n<li>Have at least $120,000 in annual revenue<\/li>\n<li>Have a 625+ personal FICO credit score<\/li>\n<li>Must be a corporation or limited liability company (LLC)<\/li>\n<li>Have no bankruptcies in the past year<\/li>\n<li>Have good standing with your Secretary of State<\/li>\n<li>Business operation or incorporation in an eligible US state, ineligible states include Nevada, North Dakota, and South Dakota<\/li>\n<li>Have an active bank connection or statements from the last three months<\/li>\n<\/ul>\n<h3>Other business loans<\/h3>\n<p>Term loans are available through Bluevine\u2019s network of lending partners.<\/p>\n<h3>Monthly fees for checking accounts<\/h3>\n<ul>\n<li><strong>Bluevine Standard:<\/strong> $0<\/li>\n<li><strong>Bluevine Plus:<\/strong> $30; waivable <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-502e2df037d9\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-502e2df037d9\" class=\"trcom-info-content d-none sr-text\">Waived by maintaining an ADB of $20,000 across your Bluevine checking account, including subaccounts, AND having a monthly spend of $2,000 using your Bluevine debit card or credit card.<\/span> <\/span> <\/li>\n<li><strong>Bluevine Premier:<\/strong> $95; waivable <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-d8fa6ca516c8\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-d8fa6ca516c8\" class=\"trcom-info-content d-none sr-text\">Waived by maintaining an ADB of $100,000 across your Bluevine checking account, including subaccounts, AND having a monthly spend of $5,000 using your Bluevine debit card or credit card.<\/span> <\/span> <\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.techrepublic.com\/article\/bluevine-business-checking-review\/\">See our Bluevine business checking review<\/a> for comprehensive information on its features and benefits.<\/p>\n<\/p><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Lines of credit of up to $250,000<\/li>\n<li>Quick account application and approvals within 24 hours<\/li>\n<li>FDIC insurance of up to $3 million<\/li>\n<li>No minimum balance requirement or monthly fee for Bluevine Standard<\/li>\n<li>Waivable monthly fees for higher-tier checking<\/li>\n<li>QuickBooks, Xero, and Wave integrations<\/li>\n<li>Wise, Venmo, CashApp, and Square compatibility<\/li>\n<li>Free ATM access at over 37,000 MoneyPass locations<\/li>\n<li>International payments to 32 countries in 15 currencies<\/li>\n<li>Business credit card with unlimited cashback and no annual fee<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4343-no-2\" class=\"tablepress tablepress-id-4343\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"3.5\">\n<tr class=\"row-2\" readability=\"7\">\n<td class=\"column-1\">\n<ul>\n<li>Line of credit with low rates<\/li>\n<li>Short minimum time in business requirement<\/li>\n<li>Potential funding in 24 hours<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Nevada, North Dakota, South Dakota companies are ineligible<\/li>\n<li>Limited to corporation or LLC entities<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4343-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"u-s-bank-best-long-term-cre-loans-with-free-business-checking\" readability=\"40.415446071904\">\n<h2>U.S. Bank: Best long-term CRE loans with free business checking<\/h2>\n<figure id=\"attachment_4295802\" aria-describedby=\"caption-attachment-4295802\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4295802\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/us-bank.jpg\" alt=\"U.S. Bank logo.\" width=\"300\" height=\"81\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/us-bank.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/us-bank-50x14.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/us-bank-270x73.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4295802\" class=\"wp-caption-text\">Image: U.S. Bank<\/figcaption><\/figure>\n<p><strong>Our rating: 4.16 out of 5<\/strong><\/p>\n<h3>Why I chose it<\/h3>\n<p>I picked U.S. Bank as one of the best business lending banks for its strong offerings in long-term commercial real estate (CRE) loans, making it ideal for businesses needing financing for owner-occupied properties. U.S. Bank\u2019s SBA 504 loans provide terms of up to 25 years and amounts as high as $12.375 million. Additionally, their SBA 7(a) real estate loans allow businesses to purchase, expand, refinance, or construct commercial real estate with loan amounts of up to $5 million and similar 25-year terms.<\/p>\n<p>You can also apply for same-day funding quick loans online, ranging from $5,000 to $50,000, with terms of up to 48 months and no collateral. For secured loans, terms of up to 84 months are available in amounts from $5,000 to $250,000.<\/p>\n<p>Additionally, U.S. Bank is included in our <a href=\"https:\/\/www.techrepublic.com\/article\/best-free-business-checking-accounts\/\">best free business checking accounts<\/a> and offers up to a $900 bonus when you open a new, eligible U.S. Bank business checking account online (promo code: <strong>Q1AFL25<\/strong>) and complete qualifying activities, subject to certain terms and limitations \u2014 offer valid through March 31, 2025. Member FDIC.<\/p>\n<h3>SBA (504) real estate loans<\/h3>\n<ul>\n<li><strong>Loan amount:<\/strong> Up to $12.375 million<\/li>\n<li><strong>Interest rates:<\/strong> As low as 8.99%<\/li>\n<li><strong>Terms:<\/strong> Up to 25 years<\/li>\n<li><strong>Funding speed:<\/strong> Undisclosed<\/li>\n<\/ul>\n<h3>How to qualify<\/h3>\n<p>Generally, two years minimum time in business.<\/p>\n<h3>Other business loans<\/h3>\n<ul>\n<li>SBA 7(a) business loan<\/li>\n<li>SBA 7(a) real estate loan<\/li>\n<li>Lines of credit<\/li>\n<li>Secured and unsecured term loans<\/li>\n<li>Equipment financing<\/li>\n<li>Practice financing<\/li>\n<\/ul>\n<h3>Monthly fees for checking accounts<\/h3>\n<ul>\n<li><strong>Silver Business Checking:<\/strong> $0<\/li>\n<li><strong>Gold Business Checking:<\/strong> $20; waivable <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-db6904f0df7c\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-db6904f0df7c\" class=\"trcom-info-content d-none sr-text\">Waived by having any of the following:<br \/>&#8211; A U.S. Bank Payment Solutions Merchant account<br \/>&#8211; $10,000 average collected balance<br \/>&#8211; $20,000 combined average collected business deposit balances<br \/>&#8211; $50,000 combined average collected business deposits and outstanding credit balances<\/span> <\/span> <\/li>\n<li><strong>Platinum Business Checking:<\/strong> $30; waivable <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-405a0b3b2772\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-405a0b3b2772\" class=\"trcom-info-content d-none sr-text\">Waived by having either of the following:<br \/>&#8211; $25,000 average collected checking balance<br \/>&#8211; $75,000 combined average collected business deposits and outstanding credit balances<\/span> <\/span> <\/li>\n<\/ul>\n<p>Read our <a href=\"https:\/\/www.techrepublic.com\/article\/us-bank-business-checking-review\/\">U.S. Bank business checking review<\/a> to learn more about its features.<\/p>\n<\/p><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Up to $250,000 quick loan online application<\/li>\n<li>Preferred SBA lender<\/li>\n<li>Up to 25-year term CRE loans<\/li>\n<li>No monthly fee for basic tier checking<\/li>\n<li>Up to $900 welcome bonus for eligible checking accounts<\/li>\n<li>QuickBooks and ADP integrations<\/li>\n<li>Zelle, point-of-sale (POS) solutions, and cash management services<\/li>\n<li>Overdraft protection<\/li>\n<li>Check fraud prevention services<\/li>\n<li>Fee-free withdrawals at the MoneyPass network<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4344-no-2\" class=\"tablepress tablepress-id-4344\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"5\">\n<tr class=\"row-2\" readability=\"10\">\n<td class=\"column-1\">\n<ul>\n<li>Up to $12.375 million loan offering<\/li>\n<li>Quick loans via online application are available<\/li>\n<li>$5,000 unsecured term loans with 48-month terms are available<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Investment property, business vehicle loans, and business term loans require an appointment to apply<\/li>\n<li>Financing over $50,000 requires collateral<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4344-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"chase-best-multi-family-cre-lender-with-excellent-business-banking\" readability=\"30.327280779451\">\n<h2>Chase: Best multi-family CRE lender with excellent business banking<\/h2>\n<figure id=\"attachment_4295840\" aria-describedby=\"caption-attachment-4295840\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4295840\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/chase.jpg\" alt=\"Chase logo.\" width=\"300\" height=\"105\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/chase.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/chase-50x18.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/chase-270x95.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4295840\" class=\"wp-caption-text\">Image: Chase<\/figcaption><\/figure>\n<p><b>Our rating: 4.14 out of 5<\/b><span>&nbsp;<\/span><\/p>\n<h3><span>Why I chose it<\/span><\/h3>\n<p><span>I included Chase on this list for its strong position as a leading lender for multifamily CRE loans, offering loan amounts starting at $50,000 with flexible terms up to 25 years. Chase also allows refinancing to help lower mortgage payments. For small businesses, Chase offers an option for lump-sum funding. In addition, the bank has scalable business checking accounts, including premium accounts like the Chase Platinum Business Checking, which has a higher transaction limit and cash deposit allowance.<\/span><\/p>\n<p><span>Additionally, Chase offers a full range of services, including merchant processing, fraud protection, investment services, and business credit cards. You\u2019ll also get a bonus of up to $500 when you open a new Chase Business Complete Banking account and meet the qualifying activities. The offer is valid until April 17, 2025.&nbsp;<\/span><\/p>\n<h3><span>Commercial real estate loans<\/span><\/h3>\n<ul>\n<li>\n<ul>\n<li aria-level=\"1\"><b>Loan amount:<\/b><span> $50,000 and up<\/span><\/li>\n<li aria-level=\"1\"><b>Interest rates:<\/b><span> Variable<\/span><\/li>\n<li aria-level=\"1\"><b>Terms:<\/b><span> Up to 25 years<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Funding speed: <\/b><span>Varies<\/span><\/li>\n<\/ul>\n<h3><span>How to qualify<\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><span>Two years minimum time in business<\/span><\/li>\n<li aria-level=\"1\"><span>Under the same majority ownership for at least two years<\/span><\/li>\n<\/ul>\n<h3><span>Other business loans<\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><span>Lines of credit&nbsp;<\/span><\/li>\n<li aria-level=\"1\"><span>Term loans<\/span><\/li>\n<\/ul>\n<h3><span>Monthly fees for checking accounts<\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><b>Chase Business Complete Banking:<\/b><span> $15; waivable<\/span><span> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-8dbc52b36092\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-8dbc52b36092\" class=\"trcom-info-content d-none sr-text\">Waived by meeting Chase Military Banking requirements or by having any of the following:<br \/>&#8211; $2,000 average daily balance<br \/>&#8211; $2,000 Chase Ink Business Cards spend<br \/>&#8211; $2,000 in deposits from Chase QuickAccept or other eligible Chase Payment Solutions transactions<br \/>&#8211; Linked Chase Private Client CheckingSM, JPMorgan Classic Checking, or Private Client Checking Plus account<\/span> <\/span> <\/span><\/li>\n<li aria-level=\"1\"><b>Chase Performance Business Checking:<\/b><span> $30; waivable<\/span><span> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-684f20fee7fb\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-684f20fee7fb\" class=\"trcom-info-content d-none sr-text\">Waived by meeting a $35,000 or greater combined average daily balance (ADB) in qualifying business deposit accounts.<\/span> <\/span> <\/span><\/li>\n<li aria-level=\"1\"><b>Chase Platinum Business Checking:<\/b><span> $95; waivable<\/span><span> <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-2459ac2cb839\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-2459ac2cb839\" class=\"trcom-info-content d-none sr-text\">Waived by meeting a $100,000 combined ADB across qualifying business deposit and investment accounts. The required ADB is $50,000 for a linked Private Client CheckingSM, JPMorgan Classic Checking, or Private Client Checking Plus account.<\/span> <\/span> <\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.techrepublic.com\/article\/chase-business-checking-review\/\"><span>See our Chase business checking review<\/span><\/a><span> to discover its pros and cons and see if it fits your needs.<\/span><\/p>\n<\/p><\/div>\n<h3><span>Features<\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><span>Small business and CRE loans<\/span><\/li>\n<li aria-level=\"1\"><span>Lump sum funding available to small businesses<\/span><\/li>\n<li aria-level=\"1\"><span>Digital banking and branch locations in 48 states<\/span><\/li>\n<li aria-level=\"1\"><span>Up to $500 cashback bonus for new checking accounts (conditions apply)<\/span><\/li>\n<li aria-level=\"1\"><span>No required opening deposit and minimum balance<\/span><\/li>\n<li aria-level=\"1\"><span>Unlimited electronic transactions<\/span><\/li>\n<li aria-level=\"1\"><span>Free associate and employee debit cards upon request<\/span><\/li>\n<li aria-level=\"1\"><span>Chase Bank QuickBooks integration<\/span><\/li>\n<li aria-level=\"1\"><span>Fraud protection services<\/span><\/li>\n<li aria-level=\"1\"><span>Payment and invoicing services via Chase Payment Solutions<\/span><\/li>\n<\/ul>\n<h3><span>Pros and cons<\/span><\/h3>\n<table id=\"tablepress-4345-no-2\" class=\"tablepress tablepress-id-4345\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>25-year terms CRE loans<\/li>\n<li>Up to 90% financing available<\/li>\n<li>Small business loans start at $5,000<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Limited loan types<\/li>\n<li>Requires in-person loan application<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4345-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"mercury-best-for-ecommerce-businesses\" readability=\"18.994889267462\">\n<h2>Mercury: Best for eCommerce businesses<\/h2>\n<figure id=\"attachment_4295813\" aria-describedby=\"caption-attachment-4295813\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4295813\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/mercury.jpg\" alt=\"Mercury logo.\" width=\"300\" height=\"90\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/mercury.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/mercury-50x15.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/mercury-270x81.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4295813\" class=\"wp-caption-text\">Image: Mercury<\/figcaption><\/figure>\n<p><strong>Our rating: 4.03 out of 5<\/strong><\/p>\n<h3>Why I chose it<\/h3>\n<p>I find Mercury an excellent choice for eCommerce businesses because it offers working capital loans with just six months of operation required, compared to the typical two-year requirement from traditional lenders. This financing can help cover unexpected expenses and support inventory expansion. Additionally, Mercury\u2019s fee-free business checking account has no minimum opening deposit, no monthly fees, and no transaction limits, providing online business owners with more savings.<\/p>\n<h3>Working capital loans<\/h3>\n<ul>\n<li><strong>Loan amount:<\/strong> Undisclosed<\/li>\n<li><strong>Interest rates:<\/strong> Flat fee<\/li>\n<li><strong>Terms:<\/strong> Three to six months<\/li>\n<li><strong>Funding speed:<\/strong> One to two business days<\/li>\n<\/ul>\n<h3>Other loans<\/h3>\n<p>Venture capital debt<\/p>\n<h3>How to qualify<\/h3>\n<ul>\n<li>Have at least $250,000 of annual sales with at least six months trading history.<\/li>\n<li>Must be an eCommerce brand incorporated in the US. Additional eligibility requirements apply for California, Nevada, or Vermont businesses.<\/li>\n<\/ul>\n<h3>Monthly fees for checking accounts<\/h3>\n<ul>\n<li><strong>Mercury Business Checking:<\/strong> $0<\/li>\n<li><strong>Mercury Plus:<\/strong> $35<\/li>\n<li><strong>Mercury Pro:<\/strong> $350<\/li>\n<\/ul>\n<p>For more information, <a href=\"https:\/\/www.techrepublic.com\/article\/mercury-bank-review\/\">check out our Mercury business checking review<\/a>.<\/p>\n<\/p><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Working capital loans available to eCommerce businesses<\/li>\n<li>Checking account with no opening deposit, minimum balance requirement, or monthly fee<\/li>\n<li>Physical and virtual debit cards<\/li>\n<li>QuickBooks and Xero accounting software integration<\/li>\n<li>Compatible with Shopify, Stripe, Square, Zapier, Amazon, and PayPal<\/li>\n<li>Customized account access and 14 subaccounts<\/li>\n<li>Advanced accounting automation is available under a subscription plan<\/li>\n<li>Fee-free wire transfers<\/li>\n<li>FDIC insurance coverage of up to $5 million <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-da5980e7d249\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-da5980e7d249\" class=\"trcom-info-content d-none sr-text\">Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group and Evolve Bank &amp; Trust\u00ae; Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through insurance to apply.<\/span> <\/span> <\/li>\n<li>Credit card available with 1.5% auto cash back rewards<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4346-no-2\" class=\"tablepress tablepress-id-4346\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"4\">\n<tr class=\"row-2\" readability=\"8\">\n<td class=\"column-1\">\n<ul>\n<li>Only six months of business operation required<\/li>\n<li>Funds accessible in one to two business days<\/li>\n<li>Flat fee for all loan amounts<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Additional requirements for California, Nevada, or Vermont businesses<\/li>\n<li>Cannot open sole proprietorship and trust accounts<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4346-no-2 from cache --> <\/p>\n<aside class=\"pinbox right\">\n<h3 class=\"heading\">More Banking Coverage<\/h3>\n<\/aside>\n<div class=\"listicle listicle-item\" id=\"bank-of-america-best-for-multiple-business-loan-products-and-free-business-credit-score\" readability=\"16.804918032787\">\n<h2>Bank of America: Best for multiple business loan products and free business credit score<\/h2>\n<figure id=\"attachment_4295826\" aria-describedby=\"caption-attachment-4295826\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4295826\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bank-of-america.jpg\" alt=\"Bank of America logo.\" width=\"300\" height=\"40\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bank-of-america.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bank-of-america-50x7.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/bank-of-america-270x36.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4295826\" class=\"wp-caption-text\">Image: Bank of America<\/figcaption><\/figure>\n<p><strong>Our rating: 4.0 out of 5<\/strong><\/p>\n<h3>Why I chose it<\/h3>\n<p>I chose Bank of America as one of the best banks for business loans because of its wide range of lending products, including lines of credit, equipment loans, SBA loans, and CRE loans, with amounts starting at $25,000. They also offer affordable business checking products and free access to your Dun &amp; Bradstreet credit score. This makes it easy to track your financial health. Additionally, Bank of America\u2019s Preferred Rewards for Business program lets you earn up to a 0.25% discount on loan interest rates.<\/p>\n<h3>Secured business loans<\/h3>\n<ul>\n<li><strong>Loan amount:<\/strong> $25,000 and up<\/li>\n<li><strong>Interest rates:<\/strong> 7.0%<\/li>\n<li><strong>Terms:<\/strong> 4 or 5 years<\/li>\n<li><strong>Funding speed:<\/strong> Undisclosed<\/li>\n<\/ul>\n<h3>How to qualify<\/h3>\n<ul>\n<li>Two years minimum time in business under existing ownership<\/li>\n<li>$250,000 in minimum annual revenue<\/li>\n<\/ul>\n<h3>Other business loans<\/h3>\n<ul>\n<li>Unsecured credit line<\/li>\n<li>Term loan<\/li>\n<li>Auto loan<\/li>\n<li>Commercial real estate loan<\/li>\n<li>Equipment loans<\/li>\n<li>SBA loans<\/li>\n<li>Healthcare practice loans<\/li>\n<\/ul>\n<h3>Monthly fees for checking accounts<\/h3>\n<ul>\n<li><strong>Business Advantage Fundamentals Banking:<\/strong> $16; waivable <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-43d7fc5d47e0\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-43d7fc5d47e0\" class=\"trcom-info-content d-none sr-text\">Waived by meeting any of these conditions:<br \/>&#8211; Maintain a $5,000 combined average monthly balance in eligible linked business deposit accounts<br \/>&#8211; Make at least $500 in new net qualified purchases using your Bank of America business debit card<br \/>&#8211; Be a member of Preferred Rewards for Business (first 4 checking accounts per enrolled business)<\/span> <\/span> &nbsp;with no monthly fee for the first 12 months<\/li>\n<li><strong>Business Advantage Relationship Banking:<\/strong> $29.95; waivable <span class=\"trcom-info-icon-container\"> <sup tabindex=\"0\" class=\"trcom-info-icon icon-\"> <a tabindex=\"0\" role=\"button\" aria-describedby=\"trcom-info-56eec9c6ccda\" data-toggle=\"tooltip\" aria-label> <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\"> <path d=\"M10 18.75C7.67936 18.75 5.45376 17.8281 3.81282 16.1872C2.17187 14.5462 1.25 12.3206 1.25 10C1.25 7.67936 2.17187 5.45376 3.81282 3.81282C5.45376 2.17187 7.67936 1.25 10 1.25C12.3206 1.25 14.5462 2.17187 16.1872 3.81282C17.8281 5.45376 18.75 7.67936 18.75 10C18.75 12.3206 17.8281 14.5462 16.1872 16.1872C14.5462 17.8281 12.3206 18.75 10 18.75ZM10 20C12.6522 20 15.1957 18.9464 17.0711 17.0711C18.9464 15.1957 20 12.6522 20 10C20 7.34784 18.9464 4.8043 17.0711 2.92893C15.1957 1.05357 12.6522 0 10 0C7.34784 0 4.8043 1.05357 2.92893 2.92893C1.05357 4.8043 0 7.34784 0 10C0 12.6522 1.05357 15.1957 2.92893 17.0711C4.8043 18.9464 7.34784 20 10 20Z\" fill=\"currentColor\" \/> <path d=\"M11.1624 8.235L8.29994 8.59375L8.19744 9.06875L8.75994 9.1725C9.12744 9.26 9.19994 9.3925 9.11994 9.75875L8.19744 14.0938C7.95494 15.215 8.32869 15.7425 9.20744 15.7425C9.88869 15.7425 10.6799 15.4275 11.0387 14.995L11.1487 14.475C10.8987 14.695 10.5337 14.7825 10.2912 14.7825C9.94744 14.7825 9.82244 14.5413 9.91119 14.1163L11.1624 8.235ZM11.2499 5.625C11.2499 5.95652 11.1182 6.27446 10.8838 6.50888C10.6494 6.7433 10.3315 6.875 9.99994 6.875C9.66842 6.875 9.35048 6.7433 9.11606 6.50888C8.88164 6.27446 8.74994 5.95652 8.74994 5.625C8.74994 5.29348 8.88164 4.97554 9.11606 4.74112C9.35048 4.5067 9.66842 4.375 9.99994 4.375C10.3315 4.375 10.6494 4.5067 10.8838 4.74112C11.1182 4.97554 11.2499 5.29348 11.2499 5.625Z\" fill=\"currentColor\" \/> <\/svg> <\/a> <\/sup> <span id=\"trcom-info-56eec9c6ccda\" class=\"trcom-info-content d-none sr-text\">Waived by meeting any of these conditions:<br \/>&#8211; Maintain a $15,000 combined average monthly balance in eligible linked business deposit accounts<br \/>&#8211; Be a member of Preferred Rewards for business (first 4 checking accounts per enrolled business)<\/span> <\/span> <\/li>\n<\/ul><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Various loans include lines of credit, term loans, CRE loans, and SBA loans<\/li>\n<li>Free Dun &amp; Bradstreet business credit score<\/li>\n<li>Free enrollment for Preferred Rewards for Business program<\/li>\n<li>Loan interest rate discounts through the preferred rewards program<\/li>\n<li>Savings interest rate boosts included as preferred business rewards<\/li>\n<li>Business checking accounts with waivable monthly service fees<\/li>\n<li>Basic tier checking has no monthly fee for 12 months<\/li>\n<li>No fees for incoming wires under a higher-tier checking account<\/li>\n<li>QuickBooks integration<\/li>\n<li>Cash Flow Monitor tool<\/li>\n<\/ul>\n<h3>Pros and cons<\/h3>\n<table id=\"tablepress-4347-no-2\" class=\"tablepress tablepress-id-4347\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"3\">\n<tr class=\"row-2\" readability=\"6\">\n<td class=\"column-1\">\n<ul>\n<li>Several business loan options<\/li>\n<li>Loan interest rate discounts included in Preferred Rewards for Business<\/li>\n<li>7.0% interest rate for secured business loans<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Loan amounts start at $25,000<\/li>\n<li>High minimum annual revenue requirement<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4347-no-2 from cache --> <\/p>\n<div class=\"listicle listicle-item\" id=\"live-oak-bank-best-for-small-businesses-seeking-quick-financing\" readability=\"29.298527443106\">\n<h2>Live Oak Bank: Best for small businesses seeking quick financing<\/h2>\n<figure id=\"attachment_4295832\" aria-describedby=\"caption-attachment-4295832\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4295832\" src=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/live-oak-bank.jpg\" alt=\"Live Oak Bank logo.\" width=\"300\" height=\"45\" srcset=\"https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/live-oak-bank.jpg 300w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/live-oak-bank-50x8.jpg 50w, https:\/\/assets.techrepublic.com\/uploads\/2025\/03\/live-oak-bank-270x41.jpg 270w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><figcaption id=\"caption-attachment-4295832\" class=\"wp-caption-text\">Image: Live Oak Bank<\/figcaption><\/figure>\n<p><strong>Our rating: 3.93 out of 5<\/strong><\/p>\n<h3>Why I chose it<\/h3>\n<p>I chose Live Oak Bank as one of the best banks for business loans. It specializes in small business lending, offering tailored solutions for various industries, including healthcare, agriculture, and real estate. It also has an easy online application process, making it convenient for business owners. Additionally, it does not charge prepayment penalties, giving flexibility to pay off a loan early without incurring additional fees.<\/p>\n<p>The bank is also known as <a href=\"https:\/\/careports.sba.gov\/views\/7a504LenderReport\/LenderReport?%3Aembed=yes&amp;%3Atoolbar=no\" target=\"_blank\" rel=\"noopener\">one of the top SBA lenders in 2024<\/a>, with an approval amount of nearly 2 billion and an average loan size of $1,377,745. As an online lender, it serves businesses across the U.S., providing access to financing for small business owners regardless of location.<\/p>\n<h3>Live Oak Express<sup>\u00ae<\/sup> loans<\/h3>\n<ul>\n<li><strong>Loan amount:<\/strong> $10,000 to $500,000<\/li>\n<li><strong>Interest rates:<\/strong> Variable<\/li>\n<li><strong>Terms:<\/strong> 10 years<\/li>\n<li><strong>Funding speed:<\/strong> Undisclosed<\/li>\n<\/ul>\n<h3>How to qualify<\/h3>\n<ul>\n<li>Two years minimum time in business<\/li>\n<li>Excellent credit history<\/li>\n<li>Current on all business and personal debt<\/li>\n<\/ul>\n<h3>Other business loans<\/h3>\n<ul>\n<li>SBA<\/li>\n<li>USDA loans<\/li>\n<li>Commercial loans<\/li>\n<li>Healthcare practice loans<\/li>\n<\/ul>\n<h3>Monthly fees for checking accounts<\/h3>\n<ul>\n<li><strong>Business Essential Checking:<\/strong> $10; waived with $1,000 average daily balance<\/li>\n<li><strong>Business Plus:<\/strong> $25; waived with $25,000 average daily balance<\/li>\n<li><strong>Business Plus Analysis:<\/strong> $100; earnings credit can offset fees<\/li>\n<\/ul>\n<p>For more details on services and rates, <a href=\"https:\/\/www.techrepublic.com\/article\/live-oak-bank-review\/\">read our Live Oak Bank review<\/a>.<\/p>\n<\/p><\/div>\n<h3>Features<\/h3>\n<ul>\n<li>Offers small business, SBA, USDA, healthcare practice, and commercial loans<\/li>\n<li>Provides 90% bank financing or higher through SBA 7(a) loans<\/li>\n<li>Online loan applications<\/li>\n<li>Transparent closing costs<\/li>\n<li>Up to $500,000 small business loan amounts with 10-year terms<\/li>\n<li>Three business checking accounts with no initial deposit requirements<\/li>\n<li>Insured cash sweep account up to $10 million FDIC insurance coverage<\/li>\n<li>QuickBooks integration<\/li>\n<li>Free business bill pay<\/li>\n<li>ATM withdrawals allowed at over 55,000 Allpoint ATMs<\/li>\n<\/ul>\n<h3>Pros and con<\/h3>\n<table id=\"tablepress-4348-no-2\" class=\"tablepress tablepress-id-4348\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2\">\n<tr class=\"row-2\" readability=\"4\">\n<td class=\"column-1\">\n<ul>\n<li>No prepayment penalties for Live Oak Express loans<\/li>\n<li>No hard personal credit inquiries<\/li>\n<li>Top SBA lender<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Limited in-person support as a digital bank<\/li>\n<li>Undisclosed minimum business annual revenue<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4348-no-2 from cache --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_factors_to_consider_when_choosing_the_best_small_business_loan_banks\"><\/span>Key factors to consider when choosing the best small business loan banks<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When evaluating the best small business loan banks, check the following:<\/p>\n<ul>\n<li><strong>Loan variety:<\/strong> Look for a bank that offers the best small business loan options, including lines of credit, SBA loans, and CRE financing.<\/li>\n<li><strong>Loan terms &amp; conditions:<\/strong> Ensure the bank offers terms that suit your business needs, including competitive interest rates and flexible repayment options.<\/li>\n<li><strong>Eligibility requirements:<\/strong> Check the bank\u2019s criteria, such as credit score, business age, revenue, and collateral. Meeting these requirements increases your chances of approval.<\/li>\n<li><strong>Collateral requirements:<\/strong> Check if the bank requires collateral and assess whether you\u2019re comfortable with the risk of using your personal or business assets.<\/li>\n<li><strong>Additional services:<\/strong> In addition to loans, choose a bank that provides comprehensive services such as business checking, merchant services, and business credit cards.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_apply_for_a_small_business_loan\"><\/span>How to apply for a small business loan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Securing a loan from a business bank requires a few steps:<\/p>\n<ol>\n<li><strong>Assess your financing needs:<\/strong> Determine what you need the loan for. Is it for covering operating expenses, purchasing equipment, or expanding your business? Understanding your business needs ensures choosing the right type of loan.<\/li>\n<li><strong>Research loan options:<\/strong> Explore the different loan products available to find the best fit for your business. Research various lenders, including traditional banks, credit unions, online lenders, and alternative financing options. Compare interest rates, fees, terms, and approval processes.<\/li>\n<li><strong>Review qualifications:<\/strong> Understand the bank\u2019s eligibility requirements, including minimum revenue, time in business, and credit score. Learning the lender\u2019s requirements can help you meet all conditions before applying, which increases your chances of approval.<\/li>\n<li><strong>Submit your application:<\/strong> Once you\u2019ve chosen the best lender, submit your loan application along with the required documentation. This can include business tax returns, financial statements, personal credit reports, and legal documents like business licenses and operating agreements.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Pros_and_cons_of_small_business_loans\"><\/span>Pros and cons of small business loans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When considering small business loans, weigh the pros and cons to determine if borrowing is the right choice for your needs.<\/p>\n<table id=\"tablepress-4349-no-2\" class=\"tablepress tablepress-id-4349\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Pros<\/th>\n<th class=\"column-2\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\" readability=\"2.5\">\n<tr class=\"row-2\" readability=\"5\">\n<td class=\"column-1\">\n<ul>\n<li>Access capital<\/li>\n<li>Build credit<\/li>\n<li>Choose flexible loan terms<\/li>\n<li>Retain business ownership<\/li>\n<li>Gain tax benefits<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Take on responsibility for debt<\/li>\n<li>Qualify under strict eligibility<\/li>\n<li>Pay high interest rates<\/li>\n<li>Face potential overleverage<\/li>\n<li>Put assets at risk<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-4349-no-2 from cache --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Impact_of_credit_score_on_loan_approval\"><\/span>Impact of credit score on loan approval<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Credit scores are key to loan approval, especially for small businesses. A higher score improves your chances of approval and better terms, like lower interest rates. A lower score may lead to higher interest rates or difficulty getting approved, as lenders view it as a sign of potential financial risk. A strong credit score shows reliability and the ability to repay the loan, boosting your chances of securing financing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tips_to_getting_a_small_business_loan\"><\/span>Tips to getting a small business loan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Know your credit score and try to improve it.<\/li>\n<li>Build a relationship with your bank or lender.<\/li>\n<li>Complete your documentation.<\/li>\n<li>Understand different loan types and the amount you need.<\/li>\n<li>Look for lender reviews and recommendations.<\/li>\n<li>Consider alternative financing.<\/li>\n<li>Explore government assistance programs, like SBAs, for lower rates.<\/li>\n<li>Shop around for the best rates, terms, and conditions.<\/li>\n<li>Show consistent revenue and cash flow to increase reliability to repay.<\/li>\n<li>Prepare a solid business plan and maintain accurate financial records.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_financing_options\"><\/span>Alternative financing options<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While bank loans are a great option, other financing alternatives might suit your needs:<\/p>\n<ul>\n<li><strong>Online lenders:<\/strong> Bluevine, Mercury, Live Oak Bank, and other online lenders offer fast, flexible financing for businesses in need of quick capital.<\/li>\n<li><strong>ROBS (Rollovers for Business Startups):<\/strong> If you have a retirement account, a ROBS allows you to use those funds to finance your business without taking on debt.<\/li>\n<li><strong>Small business grants &amp; crowdfunding:<\/strong> Consider non-loan options like grants and crowdfunding if you\u2019re looking for funds without repayment obligations.<\/li>\n<li><strong>Invoice factoring:<\/strong> You can quickly access funds by selling your unpaid invoices to a third party at a discounted rate.<\/li>\n<li><strong>Merchant cash advance:<\/strong> Secure fast financing based on your daily credit card sales, providing flexibility for businesses with regular transactions.<\/li>\n<li><strong>Revenue-based financing:<\/strong> Ideal for businesses with variable income, this option allows you to repay the loan based on your revenue, offering more flexible repayment terms.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Methodology\"><\/span>Methodology<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>I researched top lenders to help small business owners find the best loans based on factors like loan terms, interest rates, approval speed, and eligibility. I reviewed options like SBA loans, CRE loans, working capital loans, and lines of credit, focusing on competitive rates, flexible terms, and fast approval. I also assessed business checking products and support services to make financing easier and more affordable.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>What type of loan is best for a small business?<\/h3>\n<p>Small businesses benefit from SBA loans and lines of credit due to easier requirements and competitive rates. SBA loans offer low interest rates, making them affordable, while lines of credit provide flexible funds with a set credit limit and draw period, making it ideal for managing your cash flow.<\/p>\n<h3>Which bank offers the best business loan?<\/h3>\n<p>The best bank for your business loan depends on your loan type, credit score, and business needs. U.S. Bank excels in long-term CRE loans, Chase is strong for multifamily CRE loans, and Bluevine offers fast lines of credit. Live Oak Bank specializes in quick financing and is a top SBA lender like U.S. Bank.<\/p>\n<h3>Is it easier to get a business loan with an LLC?<\/h3>\n<p>Securing a business loan is straightforward if you have an LLC, meet the lender\u2019s requirements, and have good credit. However, approval can be tough for new businesses or those with limited revenue, especially with traditional banks and credit unions. In such cases, alternative financing options may be needed, but they often come with higher interest rates and stricter repayment terms.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The best banks for small business loans offer competitive loan options along with essential services like checking accounts, merchant services, and business credit cards. This guide highlights top banks and covers their loan offerings, banking products, and additional services, whether you need short-term working capital, long-term real estate loans, or a business line of credit. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":292,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 Best Banks for Small Business Loans in 2025 - TecnoArtesanos Tech Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.tecnoartesanos.com\/index.php\/2025\/03\/06\/6-best-banks-for-small-business-loans-in-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 Best Banks for Small Business Loans in 2025 - TecnoArtesanos Tech Blog\" \/>\n<meta property=\"og:description\" content=\"The best banks for small business loans offer competitive loan options along with essential services like checking accounts, merchant services, and business credit cards. This guide highlights top banks and covers their loan offerings, banking products, and additional services, whether you need short-term working capital, long-term real estate loans, or a business line of credit. 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