Up to $250,000 in business financing with a veteran-owned lender backed by a community of investors.

Traditional business loans are time consuming and laden with paperwork, but online lenders are streamlining the process to get funds in your hands faster. StreetShares is one online lender that works with a community of investors to get your loan financed quickly.


Min. Amount


Max. Amount


Product Name StreetShares Business Loans
Min. Amount $2,000
Max. Amount $250,000
Loan Term 3 months to 3 years
Min. Credit Score 640
APR Starting at 8%
Requirements Be in business for 1+ year, $25,000+ annual revenue, have “reasonable” credit and be a US citizen.
  • Be a US citizen.
  • Be in business for more than one year, in some cases six months.
  • Make $25,000 annually in revenue.
  • Either be, or have a guarantor with “reasonable” credit.

How much will this loan cost me?

StreetShares offers loans from $2,000 to $250,000 with rates starting at 8%. These can run as high as 75% for some borrowers and includes an origination fee of 3.95% or 4.95%.

Loan terms run from 3 months to 3 years. Use the calculator below to find out how much a StreetShares loan might cost you based on different loan amounts, rates and terms.

Business loan calculator

See how much you’ll pay

Your loan
Loan amount
Loan terms (in years)
Interest rate

Fill out the form and click on “Calculate” to see your estimated monthly payment.


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How it works

Generally, established businesses that have strong annual revenue and owners with near-perfect credit can expect rates from $2,000 to just over 10%. But if you just meet StreetShare’s credit requirements, you can expect rates anywhere from 29% to 75%. Your fee is based on your creditworthiness, as well as your term length and loan amount.

But if you get a better offer with another lender StreetShares might beat or match those rates and terms through its best price guarantee program — as long as you meet its requirements. If it can’t beat an eligible offer, it’ll send you a $100 Amazon gift card.

What do I need to qualify?

To qualify for a business loan from StreetShares, you’ll need to meet the following criteria:

  • At least a 640 personal credit score
  • At least one year on business, in some cases six months
  • At least a $25,000 annual revenue
  • US citizen

What information do I need to apply?

Have the following information and documents ready to speed up the application process:

  • Your Social Security number
  • Employer identification number
  • Total outstanding business debts
  • Six most recent business bank statements
  • Most recent personal and business federal tax returns
  • Profit and loss statements and balance sheets

What industries does StreetShares work with?

StreetShares doesn’t disclose any ineligible industries. But you might have a hard time qualifying if your business is in and industry that lenders typically consider risky, like gambling, adult entertainment or cannabis.

What types of financing does StreetShares offer?

StreetShares works with banks to fund the following programs, which all generally come with the same rates and terms.

Term loan

StreetShares offers both secured and unsecured term loans to cover a one-time business expense — from improvements to covering overhead costs. Secured loans are easier to qualify for, but they require collateral. These come with fixed weekly repayments, which StreetShares automatically deducts from your business bank account.

Patriot Express line of credit

This line of credit of starts a little higher than its other loans at $5,000 and was created as an alternative to the discontinued SBA Patriot Express loan program. Once you approve and accept your loan, you can access funds from your line of credit when you need it.

Like with the term loan StreetShares takes fixed weekly repayments directly from your bank account once you draw from the line. There are no fees for prepayments or undrawn amounts.

Contract financing

StreetShares also offers invoice factoring, which is an advance on unpaid invoices from federal, state and large commercial clients. The application is based on your clients’ creditworthiness, and once approved you’re required to upload a copy of your contracts to receive the advance. Your client pays StreetShares directly. After all orders are filled you’ll receive any remaining balance, minus the fee.

StreetShares Foundation

StreetShares has a foundation that offers business training and grants to veteran-run businesses. You can apply for a grant of up to $15,000 Veteran Small Business Award program, which are available annually. Applications for 2020 closed on April 16, but will likely open again for 2021.

Pros and cons

Working with StreetShares has several benefits, but they might be outweighed by the drawbacks in some cases.


  • Check your rate with a soft credit check
  • Offers a Patriot Express line of credit alternative
  • Might match or beat an eligible offer from another lender
  • Accepts fair credit


  • Rates and fees can be high compared to the competition
  • Relatively low maximum loan amount
  • Doesn’t clear display loan costs on website

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