Business Loan Partners That Earned the Badge

Approved means the business loan company passed our quarterly review of cost transparency, licensing and legitimacy, approval fairness, real funding speed, and verified owner outcomes. A partner that slips on any one of those checks comes off this board until the issue is fixed.

Every name on this page cleared the same five point vetting. Partners marked with the orange ranked border also carry a full editorial review, with rates, funding ranges, and owner pros and cons, on our top rated business loans page. Every other approved partner connects you to a free advisor match instead of a standalone review.

No. Approved partners span term loans, lines of credit, SBA loans, equipment financing, invoice factoring, and working capital advances. Product mix, minimum credit score, and funding speed vary by partner, which is why an advisor match is usually faster than comparing every logo yourself.

Yes, approved partners are independent business loan companies you can approach directly. Most owners start with MerchantGuidance instead because one short application lets an advisor match your business with the approved partners most likely to say yes, without you filing separate applications with each one.

We rescore every partner quarterly. Approved partners that fall short on cost transparency, approval fairness, funding speed, or owner outcomes are removed from the board until they requalify.

No. Matching and advisor guidance are free for business owners. We may earn a referral fee from the partner you choose after a successful match, at no cost to you, and that fee never influences which partners earn approval.