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Best Revenue Loans for Small-Business Financing

Strong revenue can help you qualify for a small-business loan. Here are online business loan options based on your annual sales.
Steve NicastroSeptember 20, 2021
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.
Your quest for small-business financing will likely hinge on one critical factor: your business's annual revenue.
Yes, there are other considerations, including your credit history, business plan and reputation as an entrepreneur. But in the hunt for capital, chances are your small-business sales will determine the type and amount of financing you’ll be able to get.

How Much Do You Need?

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Our pick for

Businesses with annual revenue $100,000 or more

BlueVine - Line of credit

Est. APR

15.00 - 78.00%

Depending on your creditworthiness and your business's financials

Min. Credit Score

600

BlueVine's line of credit provides fast working capital for short-term borrowing needs.

Pros

  • Cash can be available within 12 to 24 hours.
  • Multiple term lengths for different financing needs.

Cons

  • Short repayment term results in higher payment amounts.
  • Requires personal guarantee.
  • Not available in North Dakota, South Dakota or Vermont.
Read full review

Qualifications:

  • 6-month line of credit:
  • Minimum credit score: 600.
  • Minimum time in business: 6 months.
  • Minimum annual revenue: $120,000.
  • 12-month line of credit:
  • Minimum credit score: 600.
  • Minimum time in business: 6 months.
  • Minimum annual revenue: $120,000.

OnDeck - Online term loan

Est. APR

9.00 - 99.00%

Depending on your creditworthiness and your business's financials

Min. Credit Score

600

OnDeck offers a fast term loan for small-business owners with less-than-stellar credit who want to expand.

Pros

  • Cash can be available within the same business day.
  • Requires low minimum credit score.
  • Less paperwork than most lenders.

Cons

  • Fixed-fee structure means early repayment will not save interest.
  • Requires frequent (daily or weekly) repayments.
  • Requires business lien and personal guarantee.
Read full review

Qualifications:

  • Minimum credit score: 600.
  • Minimum time in business: 1 year.
  • Minimum annual revenue: $100,000.
  • No bankruptcies in the past 2 years.

Fundbox - Line of credit

Est. APR

10.10 - 79.80%

Depending on your creditworthiness and your business's financials

Min. Credit Score

600

Fundbox offers a business line of credit to fill a cash-flow gap, and qualifying is easier than with other lenders.

Pros

  • Cash can be available by the next day.
  • Low minimum credit score requirement.

Cons

  • Rates are high compared to traditional banks.
Read full review

Qualifications:

  • Minimum credit score: 600.
  • Minimum time in business: 6 months.
  • Minimum annual revenue: $100,000.

How Much Do You Need?

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Summary of Best Revenue Loans for Small-Business Financing

LenderBest ForEst. APRMin. Credit ScoreNext Steps

BlueVine - Line of credit

Best for Businesses with annual revenue $100,000 or more15.00 - 78.00%600
See Your Loan Options

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OnDeck - Online term loan

Best for Businesses with annual revenue $100,000 or more9.00 - 99.00%600
See Your Loan Options

with Fundera by Nerdwallet

Fundbox - Line of credit

Best for Businesses with annual revenue $100,000 or more10.10 - 79.80%600
See Your Loan Options

with Fundera by Nerdwallet

Why revenue matters with business financing

In most cases, revenue is a major criterion to qualify for a small-business loan. Each lender sets its own minimum annual revenue, which, in general, ranges from $25,000 to $150,000.
Banks typically have stringent criteria, including higher annual revenue requirements. If you don’t qualify for a traditional small-business loan or want financing fast, consider online revenue-based loans.
Your sales show the strength of your business. Steady and consistent sales, even if they’re not growing like gangbusters, show that you’re executing on your business plan. This demonstrates to would-be lenders that you know how to run a small business and makes it more likely that they’ll approve your loan application.
Some lenders give revenue more weight than a credit score. Your credit score can be important in applying for a small-business loan, but it’s not the determining factor. Many lenders will focus more on your sales, particularly those in the previous three months.

If your annual revenue is less than $100,000

Fundbox has a minimum credit score requirement of 600, but you will need at least $100,000 annual revenue and at least six months in business to qualify for its line of credit product. It’s a suitable option for short-term financing, as borrowings on the line of credit are repaid in 12 or 24 equal weekly installments.

If your annual revenue is $100,000 or more

BlueVine offers a six-month line of credit of $5,000 to $200,000, as well as a 12-month line of credit for businesses with at least two years in business and $450,000 in annual revenue. While expensive, it can be a good option if you’re looking for quick access to cash for urgent business needs.
OnDeck has a line of credit of up to $100,000 with a minimum annual revenue requirement of $100,000. The lender’s term loan of $5,000 to $500,000 also has a minimum annual revenue requirement of $100,000.

Compare small-business loans

NerdWallet’s interactive small-business loans tool allows you to find financing that meets your goals. Sort by the age of your business, your credit score and the amount of money you need. Lenders were chosen based on factors including trustworthiness and user experience.
Last updated on September 20, 2021

To recap our selections...

Best Revenue Loans for Small-Business Financing

Does your business need funding? Find your best loan options with Fundera by NerdWallet.

See Your Loan Options