Select up to 4 software tools to compare side by side — pricing, features, pros and cons. Find the best fit for your needs with detailed side-by-side comparisons.
Verdict
Bluevine is the best line of credit for SMBs, offering APR from 6.2% to 46.5% with funding within 24 hours and a flexible draw-and-repay structure. Kabbage is the best for e-commerce businesses needing quick access to working capital, with no minimum credit score requirement and funding in minutes. SoFi is the best for combining personal and business loans, offering fixed APR from 8.99% to 25.81% with no fees of any kind. OnDeck is the best for fast funding with lower credit scores, offering APR from 9.99% to 99.99% with funding within 24-48 hours and minimum credit score of 625. Terms vary by applicant and are subject to change.
Select tools:
Feature
SoFi
LendingClub
National Funding
Starting Price
From $0/mo
From $0/mo
From $0/mo
Personal Loans
$8.99/mo
$9.57/mo
$0/mo
Personal Loans
$29.99/mo
$35.99/mo
$0/mo
Business Loans
$null/mo
$null/mo
—
Best For
Small Biz, Freelancers
Small Biz, Freelancers
Small Biz
Regions
US
US
US
Platforms
Web, Ios, Android
Web
Web
Key Features
•No origination fees on personal loans
•Unemployment Protection Program — pauses payments if you lose your job
•Soft credit check for pre-qualification — no impact on credit score
•Member benefits: career coaching, financial planning, estate planning
•Peer-to-peer lending marketplace connecting borrowers with investors
•Personal loans from $1,000 to $40,000 with fixed rates
•Business loans and business checking accounts available
•Fast funding — typically 1–2 business days after approval
•Early payoff discount — reduces total cost for businesses repaying ahead of schedule
•Dedicated funding manager for each client throughout the lending relationship
•Working capital loans from $5,000 to $500,000
•Equipment financing up to $150,000
Pros
+No origination, late, or prepayment fees on personal loans
+Unemployment Protection provides peace of mind for borrowers
+Strong mobile app with integrated banking and investing features
+Pioneer platform with established track record in online lending
+Fixed-rate personal loans with predictable monthly payments
+Fast funding timeline compared to traditional bank loans
+Early payoff discount is unique — most alternative lenders charge the same regardless of repayment speed
+Dedicated funding manager model provides consistent point of contact throughout relationship
+25-year track record provides confidence unavailable from newer alternative lenders
Cons
−Business loan terms vary and are less transparent than personal loan pricing
−Best rates require autopay and direct deposit enrollment
−Not available to non-US residents or businesses
−Origination fees of 3%–8% can be higher than some competitors
−APR range is wide — rates depend heavily on credit profile
−Not available to non-US residents
−Factor rates on working capital loans are higher than bank loan APRs
−$250,000 minimum annual revenue excludes very early-stage businesses
−Short loan terms mean higher effective costs than longer-term bank financing