SBA Loans
Tailored federal-backed loans for business growth and expansion.
Learn more →Small Business Loans From $10K to $10M+
Compare 10+ funding products from 75+ lenders. Apply once. Fund in as little as 24 hours.
What Is a Small Business Loan?
A small business loan is financing provided to a business to help it operate, grow, or manage cash flow. Small business loans come in many forms — government-backed SBA loans, term loans, lines of credit, working capital advances, equipment financing, invoice factoring, commercial real estate loans, and revenue-based financing for ecommerce sellers and 1099 contractors. Each product is structured differently in terms of loan amount, repayment schedule, interest rate, and qualification requirements.
Big Think Capital works with a network of lending partners — banks, SBA lenders, alternative finance companies, and specialty product providers — so one application gets you compared across all 10 small business loan types. There's no charge to apply, no hard credit pull on initial review, and you'll typically see options within minutes.
Types of Small Business Loans
10 distinct funding products to match every business need, stage, and credit profile.
Term Loans
Fixed-rate loans for immediate, large-scale business needs.
Learn more →Business Line of Credit
Flexible credit access for ongoing business expenses.
Learn more →Working Capital
Short-term funding to manage daily business operations.
Learn more →Equipment Financing
Funding for purchasing or leasing business equipment.
Learn more →Invoice Factoring
Convert unpaid invoices into immediate working capital.
Learn more →Commercial Real Estate
Loans for purchasing or refinancing business properties.
Learn more →Ecommerce Funding
Capital solutions tailored for online retailers to scale operations and drive sales.
Learn more →Gig & 1099 Funding
Specialized funding designed for independent contractors and gig economy workers.
Learn more →Home Equity Line of Credit (HELOC)
Leverage home equity for flexible, revolving access to business capital.
Learn more →Why Choose Big Think Capital?
We've funded over $1 billion and helped more than 25,000 business owners get the capital they need to grow. Instead of applying to one lender at a time, you apply once and we shop your application across our entire lender network — including banks, SBA lenders, alternative finance companies, and specialty product providers.
$1B+
Total funded
25,000+
Businesses served
10
Funding product types
How to Choose the Right Small Business Loan
The right loan depends on three things: how much you need, how fast you need it, and what you'll use it for. SBA loans offer the lowest rates and longest terms but take 30–90 days to close. Working capital advances fund in 24 hours but cost more. Term loans sit in the middle on both speed and cost. Equipment financing is best when the funds buy a specific asset that can serve as collateral. Invoice factoring works for B2B businesses with outstanding receivables. Revenue-based funding (ecommerce or gig/1099) is best when you have provable platform revenue but don't have traditional financials. Your dedicated advisor at Big Think Capital will help you match the right product to your situation.
How to Apply for a Small Business Loan
1. Share your funding needs
Tell us how much you want to borrow, what you'll use it for, and a few basics about your business. The application takes about five minutes.
2. Review your matched options
Within minutes, you'll see lending options tailored to your profile. A dedicated advisor will walk you through each one and help you pick the best fit.
3. Submit documentation
Most products need 3–6 months of business bank statements plus a basic application. SBA loans require additional documentation — your advisor will tell you exactly what's needed.
4. Get funded
Once approved, funds disburse to your business bank account. Working capital products can fund in as little as 24 hours; SBA loans typically take 30–90 days.
Big Think Capital offers the full spectrum of small business loans — SBA, term loans, working capital, equipment financing, lines of credit, commercial real estate, invoice factoring, and more.
Our role is to help you compare lenders and products, understand the trade-offs, and choose the funding that actually fits your business.
Ready to Compare Small Business Loan Offers?
Apply in five minutes. No hard credit pull, no obligation.
- Approvals in as little as 24 hours
- Funding from $10K to $10M+
- No hard credit pull to apply
- Dedicated funding expert assigned to you