Business Banking


LendingClub is a nationwide Preferred SBA Lender

Types of SBA Loans

SBA 7(a) Loans

SBA’s flagship program for small and medium-sized businesses, offering financing for virtually all business expenses, including commercial real estate purchases and construction, refinance of existing debt, equipment financing, working capital, and business acquisitions. The typical loan size is between $400,000 to $5 million.

SBA 504 Loans

Long-term, fixed-rate financing for real estate purchases (and buildout), ground-up construction, heavy equipment, and debt refinance. SBA 504 loans pair a senior bank loan with a debenture which together offer up to 90% financing. The typical loan size is between $750,000 to $15 million+.

Learn More

SBA Express Lines of Credit

A revolving credit line for working capital. The maximum express loan is $500,000.


SBA Lending Programs

Creative financial solutions to meet your borrowing needs.
Business Acquisition/Wealth Transfer
  • Up to 90% financing for business acquisitions
  • Aggressive financing for partnership or family buyout
  • Can include working capital
  • Up to 10-year term (up to 25 years with real estate)
  • Collateral neutral – we are cash flow lenders
Learn More
Commercial Real Estate
  • Up to 90% financing with 25-year term
  • 51% or more owner-occupied
  • SBA 7(a) or 504 loans
  • Can include working capital, equipment, improvements, and closing costs
  • Single or multi-purpose (includes hotels, restaurants, gas station/convenience stores, and assisted living)
Learn More
Medical & Dental Practice Financing
  • Up to 90% financing for business acquisition or expansion
  • Up to 85% financing for startup
  • Up to 100% financing for partnerships or buyouts
  • Up to 10-year term without real estate
Learn More
Franchise Financing
  • Up to 85% financing for acquisition or expansion
  • Up to 80% financing for start-up
  • Up to 10-year term (up to 25 years with real estate)
Learn More
  • Most business-related debt is eligible
  • No equity injection required
  • Must save at least 10% on current debt service
  • Up to 25-year term
Business Expansion
  • Can include working capital, equipment, and improvements
  • Existing business must be profitable
  • Up to 90% financing, 10 to 25-year terms
Get in touch!

Feel free to contact us with any questions. We are dedicated to providing exceptional customer service.

Tailored Checking Business Account

  • Earn unlimited 1% cash back on Qualified Purchases using your Tailored Checking debit card1

  • Earn 1.50% APY on balances up to $100,000.002

  • Unlimited automatic ATM fee rebates3

  • No monthly maintenance fee for accounts with more than $500 4

  • No minimum balance requirement after $100 to open


Why Choose LendingClub?

I just opened a Checking Account within minutes. GREAT user experience so far.

- Susan L.

Read More Reviews
Bankrate 2024
BestOnlineBank 2024
BestCDAccount 2024
What Our Members Say
Digital Banking, Made Human

At LendingClub, we put our customers at the center of everything we do. That’s why we focus on providing products and services that are not only convenient but help to make life easier.

Safe & Secure
Security Icon White
We use 256-bit encryption to ensure that data is protected with the highest level of security.
Bank Icon White
FDIC Insurance
Your deposits are FDIC-insured up to the maximum amount allowed – $250,000.
Chat Icon White
Customer Support
Have a question? We’re here to help. Chat with us online, or reach us by phone or email.

Accounts subject to approval, which may include credit approval. $100 opening deposit required. Please see Product Terms & Conditions for additional product details. FDIC-insured up to $250,000 per depositor for each ownership category. Visit our FAQ page for additional information.

  1. Tailored Checking Cash Back Rewards: The Debit Card Rewards Program (“Cash Back Rewards”) provides 1.00% cash-back on all Qualified Purchases using a debit card tied to an Eligible Account. Eligible Accounts are: Tailored Checking accounts that maintain an average monthly balance of $500.00 for the calendar month in review.

    Qualified Purchases are defined as: Signature-based purchases made using the debit card tied to an Eligible Account. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and is based on how the transaction is transmitted at the time of processing. Qualified Purchases do not include: (1) any goods or services purchased that are returned or otherwise credited to your Eligible Account; (2) unlawful purchases; or (3) purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Checks, gift cards, cryptocurrency, casino chips, peer to peer payments, prepaid debit cards, account openings, loan payments, or other cash equivalents).

    Any earned Cash Back Rewards will be credited to your account on or before the 10th calendar day of the next calendar month. The Eligible Account must be open and active at the time the Cash Back Reward is credited.

  2. Annual Percentage Yield (APY) is accurate as of 05/18/2024. Interest is earned at the rate applicable to the portion of the balance that falls within each rate tier. Rate tiers are as follows: 1.50% APY applies to balances between $0.00–$499.99, 1.50% APY applies to the balances between $500.00-$99,999.99, and 0.10% APY applies to balances of $100,000.00 and greater. For accounts with balances greater than $100,000.00, your blended APY can range from 1.50% to 0.10% depending on your total account balance and the portion that falls within each tier. Rates are variable and subject to change at any time, at the sole discretion of the Bank. Fees may reduce earnings.

  3. LendingClub does not charge a fee to use another bank’s ATM. Plus, get unlimited ATM surcharge rebates for ATM fees charged by other banks and ATM owners. ATM rebates apply to cash withdrawals from your Tailored Checking account using your Tailored Checking debit card. International exchange and service fees not included. ATM fees are rebated at the end of each statement cycle. LendingClub makes its best effort to identify ATM fees eligible for rebate. In the event you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. LendingClub reserves the right to modify or discontinue the rebate program at any time.

  4. Monthly Maintenance Fee waived in months where the average monthly balance is at least $500.00. An account will not be overdrawn by the Monthly Maintenance Fee. An account with a balance of less than $10.00 will be assessed the amount available, reducing the balance to zero.

Any reviews presented are individual experiences and results may vary. Reviews are collected and authenticated by Bazaarvoice. Any average rating presented is based on these reviews. All reviews can be accessed at https://www.lendingclub.com/company/reviews.

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

"LendingClub" and the "LC" symbol are trademarks of LendingClub Bank.

© 2024 LendingClub Bank. All rights reserved.