Small business loans and credit for trades and contractors

Trades businesses borrow to buy equipment or bridge the gap between starting a job and getting paid. Lendio is free to apply and shops one application to 75+ lenders, with help on SBA loans. Expect sales calls and offers that vary widely; National Funding offers working capital up to $500K and equipment financing, with rates by quote.

All 12 loans & credit tools, ranked for trades and contractors

Tool	Fit for trades or contractor	Starts at	Pricing	Users	Integrations
LendioLendioFit 80	80	Free to apply	Free	n/a	Bank and accounting connections	View
National FundingNational FundingFit 78	78	Rates by quote	Paid	n/a	Bank connection	View
OnDeckOnDeckFit 75	75	Avg 53.2% APR	Paid	n/a	Bank connection	View
Bluevine Line of CreditBluevineFit 75	75	Rates from 7.8%	Paid	n/a	Bluevine checking, bank connection	View
QuickBooks CapitalIntuitFit 75	75	From 13.49% APR, no fees	Paid	n/a	QuickBooks Online (apply inside it)	View
KapitusKapitusFit 75	75	Rates from 6.2%	Paid	n/a	Bank connection	View
Headway CapitalHeadway CapitalFit 72	72	Interest + 2% draw fee	Paid	n/a	Bank connection	View
Fora FinancialFora FinancialFit 70	70	Factor rates from 1.13	Paid	n/a	Soft credit check to apply	View
CrediblyCrediblyFit 70	70	Factor rates from 1.11	Paid	n/a	Soft credit check to apply	View
Square LoansBlockFit 50	50	Flat fee, no interest	Paid	n/a	Square only	View
Stripe CapitalStripeFit 40	40	Flat fee, no interest	Paid	n/a	Stripe only	View
Shopify CapitalShopifyFit 5	5	Flat fee, no interest	Paid	n/a	Shopify	View