If you’re looking for a business line of credit in 2025, here are some of the top lenders to consider — along with what makes them stand out, key terms, and tips for choosing the right one.
These lenders are consistently ranked across trusted sources like Forbes Advisor, Bankrate, NerdWallet, Lendio, and others:
| Lender | Highlight Strength | Typical Line Range & Rates | Notable Features / Requirements |
|---|---|---|---|
| Bluevine | Fast access, clean terms | Up to $250,000; rates as low as ~7.8% | Revolving line, draws up to 24 hours, no maintenance fees Bluevine |
| Wells Fargo | Low interest, trusted big bank option | Starting ~9.25% (variable) | Multiple business line options, including unsecured and SBA-backed versions NerdWallet |
| American Express (Business Line of Credit) | Transparent fee structure, multiple repayment options | $2,000 to $250,000 | Offers various term structures; known for clarity in disclosure Forbes |
| Fundbox | More flexible for lower credit scores | Up to ~$150,000 | Short-term line options; works well for cash flow bridging |
| OnDeck (Line of Credit) | Fast funding, more flexible underwriting | $6,000–$100,000 | Many draws and lines renewed continuously; good for growing businesses |
| QuickBooks Capital (Line of Credit) | Integrated with accounting software | $1,000–$100,000 | Seamless for QuickBooks users; decision in 1–2 business days l |
| Idea Financial | Strong for growing businesses | $10,000–$275,000 | Larger maximum, good for mid-range credit profiles lendio.com+1 |
*Note: Actual rates, caps, and eligibility vary by business credit, revenue, collateral, and draw history.
When comparing these options, pay close attention to:
Interest rate structure (fixed vs variable)
Fees (maintenance, draw fees, renewal fees)
Credit & business history requirements
Collateral or personal guarantee demands
Speed of approval / time to funding
Flexibility of draw / repayment terms
For example, Bluevine’s "only pay for what you draw" model is ideal for businesses with irregular expenses. Bluevine
Match line size to cash flow needs. Don’t overapply; lenders may reduce your credit line later if underutilized.
Consider term and repayment frequency. Some lines might require weekly or daily payments — ensure you can support it.
Analyze total cost, not just the interest rate. Add in fees, draw costs, and possible renewal charges.
Look for flexibility. The best lines let you borrow, repay, and borrow again without reapplying.
Leverage existing relationships. If you have a good history with a bank, they may give you preferred pricing or higher limits.