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in funds secured through Fundera
small business loans issued
lenders in our network
Why apply for an SBA 7(a) loan?
No repayment penalty
You can pay off your loan ahead of time without fees and save on future interest.
Competitive rates
The SBA 7(a) loan has some of the most competitive rates and terms on the market.
Longer loan terms
With repayment terms of up to 10 years, this can often mean lower monthly payments.
How Fundera by NerdWallet works
1. Fill out one simple application
Answer a few questions about your business to get personalized lending options. It’s free and won’t impact your credit score.
2. See your business loan options
It takes about three minutes to get options from our network of vetted small-business lenders. Compare interest rates and repayment terms to choose the best product for your needs.
3. Get your loan
If the lender approves you, you’ll sign closing documents in order to receive funds. Some lenders can approve and fund loans within one business day.
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Frequently asked questions
Fundera by NerdWallet is not a direct lender. We do not finance businesses or underwrite loans. As a marketplace, we connect you with a network of vetted business lenders, allowing you to see and compare multiple options at once.
We use a soft credit inquiry to determine which loan options are a match for your business, which will not affect your credit score. If you decide to move forward with any of our lenders, you may receive a hard credit inquiry, which would impact your credit score. You will be notified about this during the formal application process with that lender.
Yes, there are no fees to submit an application with Fundera by NerdWallet. There is no charge to you — whether or not you are funded.
Fundera by NerdWallet works with more than 25 lending partners that offer a variety of products, so the time to fund can vary. Our application can be completed in just a few minutes. Some lenders may be able to approve and fund applications within one business day — however, others may have longer funding times.
Most of our partners require that you have an established business that’s already generating revenue to qualify for a small-business loan. You might consider applying for a startup business credit card or learning more about alternative startup business loan options.