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We earn a referral fee from the providers listed here. This affects which providers appear and how they are ranked.

This site is an independently operated marketing website. We are not a lender, bank, or broker, and we do not make credit decisions or issue funds.

We are compensated by the companies featured on this page when a visitor applies or is approved through our links. That compensation influences which companies we feature, the order in which they appear, and the prominence they are given. We do not review every provider in the market, and the order shown is not a comprehensive or purely objective ranking of every option available to you.

All amounts, rates, timelines, and terms shown are supplied by the providers themselves and are subject to change without notice. Approval, the amount offered, and the actual terms you receive depend entirely on the provider's own underwriting and your individual qualifications, including credit profile, time in business, and revenue. Nothing here is a guarantee that you will qualify or an offer of credit. Review every offer's full terms and costs directly with the provider before you sign.

My Biz Funding Options
Reviewed September 2026

Our top pick for 0% interest business funding in 2026

Most business owners overpay for capital because they take the first offer a bank puts on the table. We looked at what it actually costs to get funded this year, and at how the 0% program from our paid partner compares with the other main ways to fund a business.

How this compares to your other options

How we assess funding options
2

SBA loan

Government-backed, bank-issued — the cheapest money available if you can wait for it

  • Lowest cost of capital of any option here
  • Long repayment terms, up to 10–25 years
Best for Large amounts when speed isn't critical
More Details:
Typical max$5,000,000
Cost of capitalPrime + 2.75–4.75%
Time to funds30–90 days
Soft-pull checkNo
3

Traditional bank term loan

Issued by your own bank — strong credit and time in business required

  • Predictable fixed monthly payments
  • Relationship pricing if you already bank there
Best for Established businesses with strong credit
More Details:
Typical maxVaries by bank
Cost of capital~7–12% APR
Time to funds2–4 weeks
Soft-pull checkNo
4

Merchant cash advance

An advance against future card sales — fast, but the most expensive option here

  • Funds in as little as 1–2 days
  • Approval based on sales, not credit
Best for Urgent gaps when other options have said no
More Details:
Typical max~$250,000
Cost of capital1.2–1.4 factor (≈40–150% APR)
Time to funds1–2 days
Soft-pull checkVaries
5

Business credit card

Revolving credit with a 0% intro window — but lower limits and a high revert rate

  • 0% intro period of 6–12 months
  • Revolving — reuse the limit as you repay
Best for Smaller, short-term expenses you can clear fast
More Details:
Typical maxUnder $50,000
Cost of capital0% intro, then ~18–29% APR
Time to funds1–2 weeks
Soft-pull checkSometimes

Figures above describe each funding type generally, based on published market ranges. Your own rate and amount depend on your qualifications.

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Why WeLendIt came first this year

Ask a small business owner what went wrong the last time they needed capital, and you will usually hear one of two answers. Either the bank took six weeks and then said no, or somebody said yes very quickly and the money turned out to cost far more than it first appeared.

WeLendIt is built around avoiding both of those. It is not a lender itself — it is a marketplace. You submit one profile, and it matches you against a panel of capital partners rather than sending you to fill in the same form five times. For most applicants that means a decision inside three days.

The 0% window is the part that actually matters. Twelve to eighteen months of interest-free capital is time to deploy the money and earn on it before it starts costing anything.

The 0% rate lasts for the introductory period only. Before you accept, ask what the rate becomes once that period ends and whether any program or origination fees apply; those are set by the funding partner and shown to you before you commit. It is also worth being clear about the trade-off: the interest-free tier is credit-led. A strong personal credit profile is typically required to qualify for it. If your credit does not reach that bar, you are not turned away — you are matched against other funding types instead, which will carry a cost.

The other thing that stands out is the front end of the process. Checking your eligibility is a soft pull, so finding out where you stand does not mark your file. Some lenders run a hard inquiry before showing you a single number, which is a real cost to impose on someone who is only shopping.

Who it fits

WeLendIt funds across more than 250 industries, with particular depth in medical and dental practices, construction and contracting, hospitality, restaurants, and ecommerce. If you are established, have reasonable credit, and want capital in days rather than weeks, this is our top pick. If you need $2 million to buy a building, an SBA lender is a better fit and we would point you there instead.

Getting funded

  1. Check your eligibilityA short form, no hard credit pull, no obligation to proceed.
  2. Review what you're matched withYou see the funding types you qualify for — including the 0% program if your profile supports it.
  3. Take the capitalOn approval, funds are typically available within days.

How this compares to your other options

OptionTypical max amountTypical cost of capitalTime to fundsSoft-pull check
WeLendIt$250,0000% intro for 12–18 mo (strong credit required)24–72 hrsYes
SBA loan$5,000,000Prime + 2.75–4.75%30–90 daysNo
Traditional bank term loanVaries by bank~7–12% APR2–4 weeksNo
Merchant cash advance~$250,0001.2–1.4 factor rate1–2 daysVaries
Business credit cardUnder $50,0000% intro, then ~18–29%1–2 weeksSometimes

How we assess funding options

We weight five things: the true cost of the capital including fees, the maximum amount available, time from application to funds, how accessible the approval criteria are, and whether checking your options damages your credit. The alternatives shown above — SBA loans, bank term loans, merchant cash advances and business credit cards — are described using published market ranges for each funding type, not offers from any one company. WeLendIt's rating is our own assessment, not an audited or certified rating. We are paid by WeLendIt and that compensation affects its placement and prominence here — read the full disclosure at the top of this page.

Questions people ask

Do I need good credit to qualify?

For the 0% interest program, yes — a strong credit profile is typically required. If you don't meet that bar you can still be matched with other funding types based on your business revenue and history, but those will carry a cost.

Will checking my eligibility hurt my credit score?

No. The initial eligibility check is a soft pull and does not affect your score. A hard inquiry only happens later, if you move forward with a specific offer.

How long does approval take?

Most applicants get a decision within 24 to 72 hours, depending on the funding type. SBA-backed products anywhere in the market take considerably longer — usually a month or more.

Are there upfront fees?

There is no cost to check your eligibility or to see what you're matched with. Any fees attached to a specific offer are disclosed by the provider before you accept it.

Is WeLendIt a lender?

No. WeLendIt is a funding marketplace that matches you with capital partners based on your profile. The lending decision, the terms, and the money itself come from those partners.

What kinds of business does it fund?

Over 250 industries, with particular strength in medical practices, construction and contracting, hotels and lodging, restaurants and bars, ecommerce brands, agencies, and service businesses.

Must Reads

Our most useful guides for owners weighing up their options.

See what you qualify for

A soft credit check, a two-minute form, and no obligation to take anything you're offered.

Check your eligibility Or speak to someone: 770-525-3464 · Mon–Fri, 9am–6pm ET
WeLendItUp to $250K · 0% intro for 12–18 mo, qualified applicants
Check eligibility