Small Business Loans
SmallBusinessLoans.com (DBA of National Funding, Inc.) is a US online loan marketplace that matches small and medium-sized businesses with SBA, alternative, and bank lenders via a single application and soft credit-pull routing.
- Company typePrivate
- Founded1997
- HeadquartersSan Diego, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Small Business Loans does
Small Business Loans (operating as SmallBusinessLoans.com, DBA of National Funding, Inc.) is a US-based online loan marketplace and aggregator founded in 1997 and headquartered in San Diego, California. The company operates a single online application and an intelligent routing system that matches small and medium-sized businesses with a network of financing partners — including SBA lenders, alternative lenders, conventional banks, and specialized industry equipment financiers. Its product surface spans working capital loans (up to $600K), term loans (up to $500K), business lines of credit (up to $250K), equipment financing (up to $1M), SBA loans (up to $5M, including 7(a), 504, Express, microloans, and Community Advantage), short-term business loans, business credit cards, and verticalized products such as dental practice loans and SBA startup loans. Adjacent business services — entity formation, business checking, payroll, business insurance, and accounting & tax — extend the platform beyond pure financing referrals. The service is free to borrowers, funded by referral/finder fees paid by financing partners upon acceptance, and uses a soft credit pull during the matching phase so customers can explore options without hard-inquiry impact. The platform is self-serve only, with no physical retail or field sales force, and is restricted from originating in eight US states.
Small Business Loans firmographics
Firmographics- Name
- Small Business Loans
- Legal name
- National Funding, Inc.
- Website
- https://smallbusinessloans.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- SmallBusinessLoans.com (DBA of National Funding, Inc.) is a US online loan marketplace that matches small and medium-sized businesses with SBA, alternative, and bank lenders via a single application and soft credit-pull routing.
- Ownership category
- akta.pro rank
Small Business Loans industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industries
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), Microloans & Working Capital Loans (FSAKAGAA), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Small Business Loans is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Small Business Loans business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Marketing or Sales, Personnel, Technology or R&D, Operations
Revenue model
- Referral/Finder Fees from Financing Partners: SBL receives compensation from financing providers when a customer accepts an offer from a matched lender. This compensation does not increase the customer's cost of financing. The company also works with affiliates who may receive compensation when products appear on the site.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Working Capital Loans: up to $600K, 3-18 months term |
| Other | Pay-as-you-go | Term Loans: up to $500K, 6-48 months term |
| Other | Pay-as-you-go | Business Lines of Credit: up to $250K, Revolving |
| Other | Pay-as-you-go | Equipment Financing: up to $1M, 2-7 year term |
| Other | Multi-year contract | SBA Loans: up to $5M, 10-25 year term |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Small Business Loans product offering
Product offeringCore offering
SmallBusinessLoans (operated by National Funding, Inc. DBA SmallBusinessLoans) operates an online loan marketplace that aggregates SBA lenders, alternative lenders, conventional banks, and specialized industry lenders. Small business owners complete a single secure online form, after which an intelligent routing system matches them with appropriate financing providers for products including working capital loans, term loans, lines of credit, equipment financing, SBA loans, and business credit cards.
Product overview
SmallBusinessLoans is America's #1 marketplace for business financing that operates as a loan aggregator/marketplace platform. The core offering consists of financing products including Working Capital Loans (up to $600K, 3-18 months), Term Loans (up to $500K, 6-48 months), Business Lines of Credit (up to $250K, revolving), Equipment Financing (up to $1M, 2-7 years), SBA Loans (up to $5M, 10-25 years), and Business Credit Cards. The platform also offers a suite of business services including Entity Formation, Business Checking, Payroll, Business Insurance, and Accounting & Tax Services. Additionally, industry-specific financing is available for Agriculture, Construction, Medical/Dental, Commercial Trucking, Landscaping, Restaurant, and Mining sectors. The platform uses intelligent routing to match small and medium-sized businesses with appropriate financing providers from its network of lending partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Working Capital Loans Short-term financing category (up to $600,000, 3-18 month terms) for immediate business operational needs such as payroll, rent, utilities, and inventory management; matched through the SBL marketplace to a financing provider.
- Term Loans Traditional business loan category (up to $500,000, 6-48 month repayment terms) with lower interest rates than short-term options, suited for long-term planning and larger investments; matched through the SBL marketplace.
- Business Lines of Credit Revolving credit facility (up to $250,000) allowing businesses to draw funds as needed up to a set limit, with interest charged only on the amount drawn; matched through the SBL marketplace.
- Equipment Financing Loans or leases (up to $1,000,000, 2-7 year repayment terms) specifically for purchasing or leasing business equipment, where the equipment serves as collateral, potentially lowering rates and preserving cash flow.
- SBA Loans Government-backed loans through the Small Business Administration including 7(a) loans (up to $5 million), 504 loans (up to $5.5 million), Express loans (up to $500,000), and microloans (up to $50,000) with 10-25 year repayment terms.
- Business Credit Cards Credit cards designed for business use that help build business credit while earning rewards on business purchases, matched through the SBL marketplace.
- Short-Term Business Loans Financing category with payback periods typically ranging from 6 months to 3 years, designed for immediate cash needs with faster approval processes than traditional loans.
- SBA Startup Loans Government-backed financing options for new businesses including SBA 7(a) loans, Community Advantage loans (up to $350,000), and microloans (up to $50,000) designed specifically for startups.
- Entity Formation Service to help businesses legally establish their entity structure including LLC, corporation, and partnership formations, offered via the SBL platform through partner providers.
- Business Checking Business checking account services to manage business finances seamlessly, offered via the SBL platform through partner providers.
- Payroll Services Payroll processing and HR services to streamline business operations, offered via the SBL platform through partner providers.
- Business Insurance Insurance products to protect business assets and operations, offered via the SBL platform through partner providers.
- Accounting & Tax Services Accounting and tax preparation services to simplify business financial management, offered via the SBL platform through partner providers.
Quantifiable outcome
- Funding in as little as 24-48 hours for working capital and lines of credit products
- +2 more outcomes
Companies that use Small Business Loans
Customer profileNamed customers5 records
Segments9 records
Ideal customer profiles2 records
Small Business Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Small Business Loans partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- National Funding, Inc.coreSBL is operated by National Funding, Inc. DBA SmallBusinessLoans (CFL License #: 603A169). National Funding is the parent/operating entity that provides the technology platform and marketplace services for matching borrowers with financing providers.
- Business Service ProvidersminorPartners offering business services including entity formation, business checking, payroll services, business insurance, and accounting & tax services integrated into the SBL platform.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Small Business Loans competitors and assessment
Company assessmentMarket position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Small Business Loans social profiles
Digital presenceSmall Business Loans compliance and trust
Trust signalCompliance4 records
Small Business Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Small Business Loans leadership team
Management profileNumber of profiles
Profiles2 records
Small Business Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Small Business Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Small Business Loans
What does Small Business Loans do?
SmallBusinessLoans (operated by National Funding, Inc. DBA SmallBusinessLoans) operates an online loan marketplace that aggregates SBA lenders, alternative lenders, conventional banks, and specialized industry lenders. Small business owners complete a single secure online form, after which an intelligent routing system matches them with appropriate financing providers for products including working capital loans, term loans, lines of credit, equipment financing, SBA loans, and business credit cards.
Is Small Business Loans a public or private company?
Small Business Loans is a private company. It is classified as unknown and is currently operating.
When was Small Business Loans founded?
Small Business Loans was founded in 1997. It employs 51 to 100 people.
Where is Small Business Loans based?
Small Business Loans is headquartered in San Diego, United States, in the North America region.
How does Small Business Loans make money?
One revenue line is on record: referral/Finder Fees from Financing Partners.
Does Small Business Loans have an API?
No public API is recorded for Small Business Loans.
What industry is Small Business Loans in?
Small Business Loans's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation. Its NAICS code is 52231 and its SIC code is 6163.