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M-F 7am-5pm PST

New!
Borrow up to $300K
at rates starting at 5.9%1

Grow your business with an affordable, easy business loan

Get a quote in minutes (Won’t impact your credit score!)

What is it for
  • Debt consolidation / refinance
  • Inventory purchase
  • Equipment purchase
  • Working capital
  • Remodel
  • Acquire business location
  • Marketing
  • Emergency repairs
  • Other business purpose

(Won’t impact your credit score!)

Questions? 855-846-0153

Welcome back

Start new application Log In

Questions? 855-846-0153

1Rates from 5.9% to 25.9%. Best interest rate available to borrowers with excellent credit and financial strength.

Join the hundreds of thousands of people
who've received loans1

  • A good deal

    5.9% for best borrowers.
    No prepayment penalties or hidden fees.
  • Financing @ internet speed

    Apply in under 5 minutes and
    receive multiple quotes.
  • Over $7 billion in loans
    made through Lending Club

    95% of clients would recommend to a
    friend or family.2
  • You’re not "a loan"

    You’ll have your own, dedicated US
    based Client Advisor.

1 Both small business and personal loans  2 370,970 borrowers surveyed from Jan 2013 - Dec 2014

What is a good loan?

A good loan is fast and easy to get with transparent, affordable rates


  • New! Now borrow up to $300,000
  • Low, fixed interest rates starting at 5.9%
  • One-time origination fee from 0.99-5.99%
  • Can choose from 1-5 year terms
  • Fixed monthly payments for more control over cash flow
  • Pay off your loan any time with no fees or penalties
  • Build business credit with a good repayment history
  • Funds deposited in your bank within a few days

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Am I Eligible?

Loans for nearly every type of business


  • Loans to

    Most types of businesses, including Professional and Personal Services, Retailers, Contractors,
    Health & Wellness Providers, Automotive, Wholesalers, Manufacturers, Restaurants, and much more.
  • What loans are used for

    Expanding a business, buying inventory, working capital, purchasing equipment,
    refinancing, and much more.

What we look for:

  • 2 years 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:

  • No collateral needed for under $100K loans
  • No appraisals, business plan or projections
  • No visit to your business
  • No costly appraisals or title insurance

Call your Client Advisor with questions 855-846-0153 M-F 7am-5pm PST

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% - 5.99% 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.

You’re not "a loan"

Have questions? Get answers with your own,
dedicated US-based Client Advisor at
855-846-0153 between 7am- 5pm M-F,
or email us anytime.

Get a quote in minutes (Won’t impact your credit score!)

What is it for
  • Debt consolidation / refinance
  • Inventory purchase
  • Equipment purchase
  • Working capital
  • Remodel
  • Acquire business location
  • Marketing
  • Emergency repairs
  • Other business purpose

(Won’t impact your credit score!)

Questions? 855-846-0153

Welcome back

Start new application Log In

Questions? 855-846-0153

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.

Bear with us, we're working to find the best options you qualify for!