Top 5 Loan Types for Small Business Owners

Access to funding is critical for small business success. In 2025, the most popular loan types include SBA 7(a) loans, microloans, equipment financing, business lines of credit, and merchant cash advances.

Each loan type suits different needs—from startup costs to inventory purchasing. SBA loans offer low interest but require good credit. Microloans are ideal for new businesses with limited history.

Compare terms, approval speed, and repayment flexibility before applying. Always prepare your business plan and financials to boost your approval chances.

small business owner applying for a loan

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