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

Grow your business with an affordable, easy business loan
Borrow between
$5K to $300K
Fixed interest rates
as low as 5.9%1
No prepayment
fees or penalties
1 to 5 year terms
Fixed monthly payments

Why get a business loan?

Start building your future.
Purchase equipment

Improve your operations and generate more
revenue with new equipment

Hire new employees

Invest in your employees, your most
valuable resources

Consolidate debt

Move from high interest debt into a simple,
transparent monthly payment and free up
cash flow to run your business

Expand your location

Give your business the ability to expand to its
current location or take another one.

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

1Rates from 5.9% to 25.9%. Best interest rate available to borrowers with excellent credit and financial strength.
Benefits of a small business loan through Lending Club

Get a decision in minutes. You'll get money in your account and enjoy predictability with fixed, low monthly payments that will build your business credit.


How it works

Apply online and receive a quote in minutes.

Answer simple questions about your business
Take an offer that best fits your business needs
Access the cash that is deposited into your account
"I applied for a loan through Lending Club and was surprised by how straight-forward the process was... Now we have the opportunity to expand our marketing budget and open our new tax location."

- Gia J
  • Two years or more in business
  • At least $75,000 in annual sales
  • No recent bankruptcies or tax liens
  • Own at least 20% of your business
  • At least fair or better personal credit
Contact your Client Advisor 855-846-0153 M-F 6am-5pm PT
The Lending Club difference
Your business is your lifeblood. Here at Lending Club we understand how important access to funds is for a small business. But not all business loans are equal. We believe in full transparency. You'll never be charged for hidden fees or subjected to any pre-payment penalties. You will have access to a dedicated client advisor who will guide you through the process and will always be a phone call away.

Lending Club is America's largest online credit marketplace with over $16 billion in funds issued. With us you get the financial strength of a publicly traded financial institution(NYSE: LC) but the dedication and attention of a local business.

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 - $1,000 $509 - $3,900 (Daily payments required)
Total Annualized Rate4 7.77% - 35.11% 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.