Fiat loan providers offer a range of financial products, from personal and business loans to credit lines and real estate financing. Here are some of the best fiat loan providers for 2025, based on their loan options, interest rates, and customer satisfaction.
1. SBG Funding
SBG Funding provides a variety of business loans, including term loans, bridge loans, equipment financing, and invoice financing. They offer loans up to $10 million with flexible repayment terms (1–10 years). Their competitive interest rates and fast approval process make them a great choice for business owners
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2. Rapid Finance
Rapid Finance is known for its quick loan approvals, sometimes within hours. They provide merchant cash advances, term loans, and invoice factoring. A major advantage is that many of their loans do not require collateral. However, interest rates can be high for those with lower credit scores
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3. Fora Financial
Fora Financial specializes in short-term business loans, offering amounts up to $1.4 million. Their relaxed requirements (minimum of six months in business and a 500+ credit score) make them a good option for small businesses looking for quick funding
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4. Noble Funding
Noble Funding is praised for its transparency and customer service. They offer long-term loans up to $500,000 and bridge loans exceeding $4 million. A minimum credit score of 650 is required, but they do not require collateral
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5. Balboa Capital
Balboa Capital provides fast funding solutions, including equipment financing and small business loans. Their simple online application process and competitive interest rates make them a strong option for entrepreneurs
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6. LendingClub
LendingClub is a peer-to-peer lender offering personal and business loans with fixed monthly payments. Their platform is ideal for borrowers looking for unsecured loans with no collateral requirements
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7. Marcus by Goldman Sachs
Marcus offers personal loans with no fees and fixed interest rates. They are best for borrowers with good credit who want transparent terms and straightforward loan structures
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8. SoFi
SoFi provides personal and student loan refinancing with low interest rates and no hidden fees. Their loans are ideal for high-income borrowers with strong credit profiles
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9. Upstart
Upstart uses artificial intelligence to assess loan applications, allowing for approvals even with limited credit history. They provide personal loans with competitive rates based on factors beyond credit scores
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10. Bluevine
Bluevine specializes in business lines of credit and invoice factoring, helping small businesses manage cash flow effectively. Their fast funding and flexible repayment options make them a strong choice for business owners
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These loan providers offer a variety of financing options to suit different needs, from personal loans to business funding. When choosing a lender, consider factors such as loan terms, interest rates, and eligibility requirements.
