Business Loan Lender Match Quiz
Find out which lenders will actually fund you
Not every business qualifies for an SBA loan — or even a bank loan. The type of lender you should approach depends on your time in business, revenue, credit, and collateral. This quiz identifies your lending tier in under 60 seconds and tells you what to do if you fall short.
- ✓Identifies Tier 1 (Bank/SBA) vs Tier 2 (Fintech) vs Tier 3 (Asset-Based)
- ✓Shows which specific loan products fit your profile
- ✓Optimization tips if you fall below a tier
Which Lenders Will Fund You?
Answer 4 quick questions and we'll place your profile into the right lending tier — from SBA banks down to alternative financing.
4 questions · 60 seconds · No sign-up required
Frequently Asked Questions
What is a Tier 1 lender?
Tier 1 lenders are traditional banks and SBA-approved lenders. They offer the best rates (Prime + 2–4%) and longest terms, but require 2+ years in business, 680+ credit, and strong DSCR. SBA 7(a) and 504 programs fall into this tier.
What is a Tier 2 (Fintech) lender?
Fintech lenders like OnDeck, BlueVine, and Fundbox have faster approvals and more flexible criteria — but rates are significantly higher (15–40%+ APR). They're appropriate for businesses that need speed or don't yet qualify for bank financing.
What is a Tier 3 (Alternative/Asset-Based) lender?
Asset-based lenders focus on collateral rather than cash flow — accounts receivable, inventory, equipment. Invoice factoring is a common product. Rates are the highest but the approval criteria are the most flexible.