Yes. While strong credit helps you get better rates, we work with many businesses that have imperfect credit. Alternative financing options are available, though they usually come with higher rates and shorter terms.
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Frequently Asked Questions
Related FAQs
What are current commercial business loan interest rates?
As of 2026, rates typically range from 4.99%–9.5% for well-qualified SBA and bank loans. Alternative business loans and merchant cash advances can range from 10%–36%+ APR. Rates depend on your credit, revenue, industry, and loan type.
How do commercial loans differ from personal loans?
Commercial loans are based mainly on your business’s financial performance (revenue, cash flow, years in operation), while personal loans focus on your individual credit and income. Commercial loans usually allow much larger amounts and have different tax treatment.
Is a personal guarantee required on business loans?
Yes, in almost all cases. Business owners with 20% or more ownership are typically required to personally guarantee the loan. This means you are personally responsible if the business cannot repay.