Business Loan

Business Loan

Get all your capital up front, 1-5 year terms. Fixed monthly payments, no prepayment penalties. Great for a large one-time expense.

Satisfied Customers!

Businesses love Secure Loan USA. Transparency and friendly service. See what our customers have to say.

Fixed rates ranging from 5.99% to 29.99% for loans, with an average rate of 14.65% for loans in the last 12 months ending September 16, 2017. Averages are based on a 1 year offer. Best interest rate available to borrowers with excellent credit and financial strength.

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Am I Eligible?


What we look for:

  • 12 months or more in business
  • At least $50,000 in annual sales
  • No recent bankruptcies or tax liens
  • You own at least 20% of the business and have at least fair or better personal credit

What we look for:

  • 12 months or more in business
  • At least $50,000 in annual sales
  • No recent bankruptcies or tax liens
  • You own at least 20% of the business and have at least fair or better personal credit

A loan you can trust

Secure Loan USA business vs. the competition

Repayment Term
1-5 years

(means lower monthly payments)

Typically less than a year
Type of Rate
Fixed interest rate

simple and transparent

Factor rate

This is not an interest rate and can make expensive loans appear cheaper

Origination Fee
1.99% - 8.99%
2.5%
Monthly payment per $10,000 borrowed
$227 - $955
$509 - $3,900
(Daily payments required)
Total Annualized Rate
9.77% - 35.71%
35% - 99%
     

Factor rate is the financing cost divided by the loan amount - but that’s not how traditional interest rates work. For example, if you pay 30 cents for a one-year loan of one dollar, your factor rate is 30% but is equivalent to a 55% interest rate! Factor rates can make short-term loans appear less expensive than a traditional interest rate would.

These loans require you to repay a fixed amount of interest, so paying off early won't save you any money. In fact, it can increase your effective interest rate to 200% or more.

Payments calculated based on range of interest rates and repayment terms offered, assuming a loan amount of $10,000.

Total Annualized Rate shows all costs for one year in a single equivalent interest rate so that you can make apples-to-apples comparisons.

 

Secure Loan USA is America’s #1 credit marketplace, transforming banking to make it more efficient, transparent and consumer friendly. We operate fully online with no branch infrastructure and use technology to lower cost and deliver an amazing experience.
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