Small Business Funding Comparison Chart
Small Business Funding Comparison Chart
401(k) Business Financing
Funding Amount:
Up to 100% of account balance (min. $50,000)
Term:
None
Time to fund:
3-week Average
Interest Rates:
None
Credit Score Requirement:
None
Setup Fees:
$4,995
Monthly Payments:
None
Additional Fees:
Starting at $149/month (plan administration)
SBA 7(a) Business Loans
Funding Amount:
$150k – $5 million
Term:
10 Years
Time to fund:
2 – 4 Months
Interest Rates:
Prime + 2.75%
Credit Score Requirement:
680+
Setup Fees:
$2,500
Monthly Payments:
Principal + Interest
Additional Fees:
3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee)
Unsecured Loans
Funding Amount:
$25k – $150k
Term:
Revolving
Time to fund:
3-week average
Interest Rates:
12 – 18% (Many clients qualify for a 0% introductory rate the first 12 months)
Credit Score Requirement:
690+
Setup Fees:
$0
Monthly Payments:
Principal + Interest
Additional Fees:
None
Portfolio Loans
Funding Amount:
Up to 80% of account balance (min. $85,000)
Term:
Revolving
Time to fund:
2 – 3 weeks
Interest Rates:
3 – 4%
Credit Score Requirement:
None
Setup Fees:
$0
Monthly Payments:
Interest only
Additional Fees:
None
*Loans under $200,000 without ROBS funding may be subject to a fee.
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401(k) Business Financing (ROBS)
Term
NoneInterest Rates
NoneSetup Fees
$4,995Additional Fees
$139/month (plan administration)
SBA 7(a) Business Loans
Term
10 YearsInterest Rates
Prime + (2.25% – 2.75%)Setup Fees
Free*Additional Fees
3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee)
SBA Working Capital Loans
Term
7 – 10 YearsInterest Rates
Prime + (2.75% – 4.75%)Setup Fees
Free*Additional Fees
1 – 3% of Loan Amount (Closing costs, including SBA Guaranty Fee)
Unsecured Loans
Term
RevolvingInterest Rates
12 – 18% (Many clients qualify for a 0% introductory rate the first 12 months)Setup Fees
9% of Loan AmountAdditional Fees
None
Portfolio Loans
Term
RevolvingInterest Rates
3 – 4%Setup Fees
2% of Loan AmountAdditional Fees
None
*Loans under $200,000 without ROBS funding may be subject to a fee.
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