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Business Loans up to $300K
at rates starting at 5.9%1

Get a quote in minutes. Won't impact your credit score!

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.

Business Line of Credit

Free to open - no membership fees.
Use it whenever you want.
Great for flexibly managing cash flow.

Questions? Call your Client Advisor 855-846-0153 M-F / 6am-5pm PT

1Fixed rates starting at 5.9% to 25.9% for loans, with an average rate of 13.44% for loans in the last 12 months ending May 15, 2016. Variable rates from 6.25% to 21.85% for lines of credit, with an average rate of 15.08% for lines of credit in the last 12 months ending May 15, 2016. Averages are based on a 1 year offer. Best interest rate available to borrowers with excellent credit and financial strength.

Join the hundreds of thousands of people
who've received loans2

Over $11 billion in loans
made through Lending Club

95% of clients would recommend to a friend or family.3

You’re not "a loan"
You’ll have your own, dedicated US-based Client Advisor at 855-846-0153 M-F between 6am - 5pm PT.

A good deal
5.9% for best borrowers.4
No prepayment penalties or hidden fees.

Financing @ internet speed
Apply in under 5 minutes and receive multiple quotes.

2Both small business and personal loans.  370,970 borrowers surveyed from Jan 2013 - Dec 2014.  4Rate applies only to business loans.

Business Lending Reviews

“I would recommend Lending Club to any business owner who is looking for a loan with competitive interest rates, streamlined process and speed.”

Bison Supply LLC
Bart M.

“LendingClub's customer service is unparalleled.”

GC Fasterners, Inc
Guillermo C.

“I plan to come back to LendingClub for another loan to expand my business.”

Khodr-Private Car Wash
Khodr K.

Read more reviews

Contact Your Client Advisor
855-846-0153 M-F / 6am-5pm PT
Am I Eligible?
What we look for:
  • 24 months in business
  • At least $75,000 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 don’t need:
  • Collateral for loans or lines under $100K
  • Business plan or projections
  • Visits to your business
  • Costly appraisals or title insurance

A loan you can trust

Compare how we stack up to the competition

Typical business loan from
another leading online lender

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 cheaper1
Origination Fee 0.99% - 6.99% 2.5%
Early Pay Off $0. You can eliminate interest costs by paying off any time You’re charged interest for the entire
loan - even if you pay off early2
Monthly payment per $10,000 borrowed3 $227 - $955 $509 - $3,900 (Daily payments required)
Total Annualized Rate4 8% - 32% 35% - 99%

1 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.

2 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.
3 Payments calculated based on range of interest rates and repayment terms offered, assuming a loan amount of $10,000.

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

Lending Club 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.