Call us today to turn your dream business into a reality – Debt-free | 425-289-3200
Sign In
Pre-Qualify Today
Pre-Qualify Today

Small Business Funding Comparison Chart

Compare financing solutions to find the best fit for you.
Get Started
Features401(k) Business FinancingSBA 7(a) Business LoansUnsecured LoansPortfolio Loans
Funding AmountUp to 100% of account balance (min. $50,000)$200k – $5 million$35k+Up to 80% of account balance (min. $85,000)
Term:None10 YearsRevolvingRevolving
Time to fund:3-week Average2 – 4 Months3-week average2 – 3 weeks
Interest Rates:NonePrime + 2.75%Varies3 – 4%
Credit Score Requirement:None680+690+None
Setup Fees:starting at $5,495$2,500$0$0
Monthly Payments:NonePrincipal + InterestPrincipal + InterestInterest only
Additional Fees:Starting at $149/month (plan administration)3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee)NoneNone
Pre-Qualify OnlinePre-Qualify OnlinePre-Qualify OnlinePre-Qualify Online
Features 401(k) Business Financing SBA 7(a) Business Loans Unsecured Loans Portfolio Loans
Funding Amount Up to 100% of account balance (min. $50,000) $200k – $5 million $35k+ Up to 80% of account balance (min. $85,000)
Term: None 10 Years Revolving Revolving
Time to fund: 3-week Average 2 – 4 Months 3-week average 2 – 3 weeks
Interest Rates: None Prime + 2.75% Varies 3 – 4%
Credit Score Requirement: None 680+ 690+ None
Setup Fees: starting at $5,495 $2,500 $0 $0
Monthly Payments: None Principal + Interest Principal + Interest Interest only
Additional Fees: Starting at $149/month (plan administration) 3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee) None None
Pre-Qualify Online Pre-Qualify Online Pre-Qualify Online Pre-Qualify Online

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:
starting at $5,495

Monthly Payments:
None

Additional Fees:
Starting at $149/month (plan administration)

 

Pre-Qualify Online

Funding Amount:
$200k – $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)

Pre-Qualify Online

Funding Amount:
$35k+

Term:
Revolving

Time to fund:
3-week average

Interest Rates:
Varies

Credit Score Requirement:
690+

Setup Fees:
$0

Monthly Payments:
Principal + Interest

Additional Fees:
None

Pre-Qualify Online

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

Pre-Qualify Online

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:

starting at $5,495

Monthly Payments:

None

Additional Fees:

Starting at $149/month (plan administration)
Pre-Qualify Now

SBA 7(a) Business Loans

Funding Amount:

$200k – $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)
Pre-Qualify Now

Unsecured Loans

Funding Amount:

$35k+

Term:

Revolving

Time to fund:

3-week average

Interest Rates:

Varies

Credit Score Requirement:

690+

Setup Fees:

$0

Monthly Payments:

Principal + Interest

Additional Fees:

None
Pre-Qualify Now

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
Pre-Qualify Now

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
Pre-Qualify Now

*Loans under $200,000 without ROBS funding may be subject to a fee.

Click here to explore our financing options!

ROBS
SBA 7 Loans
SBA Working Capital Loans
Unsecured Loans
Portfolio Loans

  • 401(k) Business Financing (ROBS)

  • 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

    $139/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 + (2.25% – 2.75%)

  • Credit Score Requirement

    680+

  • Setup Fees

    Free*

  • Monthly Payments

    Principal + Interest

  • Additional Fees

    3 – 5% of Loan Amount (Closing costs, including SBA Guaranty Fee)

  • SBA Working Capital Loans

  • Funding Amount

    $75k – $150k

  • Term

    7 – 10 Years

  • Time to Fund

    30 Days

  • Interest Rates

    Prime + (2.75% – 4.75%)

  • Credit Score Requirement

    680+

  • Setup Fees

    Free*

  • Monthly Payments

    Principal + Interest

  • Additional Fees

    1 – 3% 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

    9% of Loan Amount

  • 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

    2% of Loan Amount

  • Monthly Payments

    Interest Only

  • Additional Fees

    None

*Loans under $200,000 without ROBS funding may be subject to a fee.

What Guidant Customers Have to Say

"Guidant didn’t just help us with funding. They helped us believe that someone like me, a digital media guy with zero golf experience, could make this happen."
– Andre Liloc
– Andre LilocCoos Bay Golf Course
“It just made sense. I could use pre-tax dollars I’d already earned — and instead of letting that money sit in the market, I could invest it directly in myself."
– Joe & Denise Carbone
– Joe & Denise CarboneThe Welsh Baker
"If you are going to do a ROBS, why not keep it with the people who actually are experts? It's going to save you a ton of time, frustration, and paperwork in the business."
– Mike Brown
– Mike BrownFlying Locksmiths
“The ROBS program that Guidant helped me through has really made retirement not just possible but opened up an income and way of life that I wouldn’t have had if I left my funds in a traditional 401(k).”
– Terri Candelaria
– Terri CandelariaSpringerville Smoke

Learn more about Client Success Stories

Ready to take the next step?

Get in touch with a Guidant expert to find out which programs, and how much, you qualify for.

Pre-Qualify Today