Independent ratings · Business money
Know what you’re signing before you sign it.
Zogby scores business lenders, cash-advance funders and debt-relief firms on cost, terms, speed and what owners actually say. The APR is always the first number you see.
Browse by what you need
Company directory →Best business loans,
See the full rankings →Illustrative example, lender names are fictional. APRs are ranges from published terms as of . Ring is red below 5.0, amber 5.0–6.9, green from 7.0.
How we score
One number. Four parts. All the math shown.
Every lender gets a Z-Score out of 10. Cost transparency, terms and flexibility, speed to fund, and verified owner reviews, weighted equally, re-scored quarterly. Lenders can’t pay to move it.
Cost transparency
Is the APR stated, or buried in a factor rate?
Terms & flexibility
Prepayment, confessions of judgment, personal guarantees.
Speed to fund
From application to money in the account.
Owner reviews
Verified customers only. Lenders can’t remove them.
Read before you borrow
All guides →What owners said this week
Write a review →“Northbank quoted 11% and it was 11%. No origination surprise. Funded on a Thursday, money Monday.”
Dana R. · HVAC, Tampa · on Northbank Capital
“Crescent’s rep said ‘no interest, just a fee.’ The fee was $42,000 on $100,000 over four months. Do the math before I did.”
Marcus T. · Trucking, Dallas · on Crescent Funding
“Harbor got three advances down to about half. Daily debits stopped in week two. Monthly plan fee is real, though, ask for it in writing.”
Priya S. · Salon group, Queens · on Harbor Debt Solutions
For lenders
Scored 7.0 or higher? Show it.
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