Key points
- Online term loans ran 9% to 36% APR in Zogby’s September 2026 review, SBA 7(a) loans 10% to 13%, and lines of credit 14% to 36%.
- Online term loans and lines of credit fund same day to three days; SBA 7(a) takes 30 to 45 days and is the cheapest money in small business.
- If you need money in 24 hours, you are shopping for an advance, and you should price it as one.
What each costs
Online term loans ran 9% to 36% APR in Zogby’s September 2026 review, SBA 7(a) loans 10% to 13%, and lines of credit 14% to 36%. If you qualify for anything on this page, it is cheaper than a cash advance.
How fast each funds
Online term loans and lines of credit: same day to three days. Equipment financing: about a week. SBA 7(a): 30 to 45 days, occasionally longer. If you need money in 24 hours, you are shopping for an advance, and you should price it as one.
Is an SBA loan worth the wait?
Usually. At 10% to 13% APR with terms up to ten years, it is the cheapest money in small business. The wait and paperwork are the price.
Key takeaway
Funding takes two days to six weeks depending on product; SBA is slowest and cheapest. Match the product to how fast you need the money, then compare on APR.
General information, not legal or financial advice.
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