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Best Options for Peer-to-Peer Business Loans
Peer-to-peer business loan options include loans from Funding Circle. You'll need fair credit to qualify.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
While shopping for small-business loans online, you’ve likely come across companies that specialize in peer-to-peer business lending.
What is peer-to-peer, or P2P, business lending? Peer-to-peer lenders underwrite borrowers but don’t fund the loans directly. Instead, they’re an intermediary between the borrower and an individual or institutional investor such as a hedge fund or investment bank.
To help you decide if P2P is the best option for your business, we break down Funding Circle below, which caters to established small-business owners with fair credit. If your credit score falls below 600 and you need an influx of cash, check out our recommendations for bad-credit business loans.
How Much Do You Need?
Our pick for
Businesses looking to grow
Funding Circle has no minimum revenue requirement, and with access to higher loan amounts, you can use the funding for growth-related expenses including equipment, renovations and refinancing debt.
NerdWallet has a list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.