ACH Loans: Compare 10 Best Options

An ACH loan allows small business owners to get working capital without any credit or collateral requirements.

Regardless of your credit score, you can most likely qualify for an ACH loan. Another benefit is that you can improve your credit while repaying the loan back to the lender.

That’s the good news.

The bad news is that you have to be careful when choosing a lender for an ACH loan. Since your credit isn’t great, most lenders try to persuade you into funding with a higher interest rate.

No worries — we did the leg work of benchmarking all lenders to find the best ones for small businesses with bad credit.

Let’s get to it:

Here are the top 10 lenders (ranked in order) that we recommend:

  1. Clarify Capital
  2. Kabbage
  3. Fundera
  4. Lendio
  5. Fundbox
  6. OnDeck
  7. LendingClub
  8. LendingTree
  9. BlueVine
  10. Enova