Small business finance, comparedBill pay, business charge cards, working capital loans and SBA lending for US small businesses. Every figure is read on the provider's own page and dated.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
4 small-business finance products compared; 4 of 4 in the main list were re-read in the last 14 days (newest read Oct 17, 2026). Ranking rule: We sort these products by editorial review of what each provider publishes: how clear the price is, how useful the terms are for a typical small business, and whether a catch is stated on the page. Bill pay, a travel card, working capital and SBA loans are different jobs, so this is not a single-rate ranking. A commission never changes the order. How we rate
Start with the job. Melio is vendor bill pay with a free Go plan. Engine X is business travel plus a no-annual-fee charge card. Credibly is a $25,000 to $600,000 working capital loan. Grasshopper Bank is SBA 7(a) and 504 lending, with a separate term loan for its own clients. There is no overall winner across those jobs.
Credibly offers $25,000 to $600,000 working capital loans for 6 to 24 months, with factor rates from 1.11 and funding as fast as 4 hours.
Credibly offers $25,000 to $600,000 working capital loans for 6 to 24 months, with factor rates from 1.11 and funding as fast as 4 hours.
Engine X is a business travel platform with a no-annual-fee charge card paying 6% back on hotels and rental cars and 1.5% on everything else.
Engine X is a business travel platform with a no-annual-fee charge card paying 6% back on hotels and rental cars and 1.5% on everything else.
Grasshopper Bank offers SBA 7(a) loans from $150,000 (qualify up to $5M online), SBA 504 loans, and a $10,000 to $200,000 term loan from 6.99% APR.
Grasshopper Bank offers SBA 7(a) loans from $150,000 (qualify up to $5M online), SBA 504 loans, and a $10,000 to $200,000 term loan from 6.99% APR.
This page covers four published products, two for moving money and two for borrowing, last checked Oct 17, 2026. Melio is bill pay: Go is free forever with 5 ACH payments a month, Core is $25 a month ($20 billed annually), Boost $55 ($44 annually) and Unlimited $80 ($64 annually); extra ACH on Go is $0.50, cards are 2.9% and a mailed check is $1.50. Engine X pairs travel booking with a charge card that has no annual fee, pays 6% back on hotels and rental cars at the lowest spend tier (up to 10% at $5M of spend) and 1.5% on everyday purchases, and is issued by Fifth Third Bank N.A. Credibly lends $25,000 to $600,000 over 6 to 24 months at a factor rate from 1.11 plus a 2.5% origination fee on most deals; its own $50,000 example at 1.11 repays $55,500 plus $1,250 in origination, $6,750 in all. Grasshopper Bank's SBA 7(a) preapprovals start at $150,000 (online applicants can qualify up to $5M) and it also offers SBA 504; it does not publish SBA rates or fees on that page. Its Innovator term loan, for Grasshopper clients only, is $10,000 to $200,000 over 36 months from 6.99% APR. Where a provider does not publish a number, the product page says so.
| Small business finance | Job | Published terms | Verified |
|---|---|---|---|
| Working capital loan | $25,000 to $600,000 (loan size) | Oct 17, 2026 | |
| Business travel card | $0 (annual fee) | Oct 17, 2026 | |
| SBA lending | Grasshopper Bank offers SBA 7(a) loans from $150,000 (qualify up to $5M online)… | Oct 17, 2026 | |
| Vendor bill pay | Melio lets small businesses pay and get paid by bank transfer… | Oct 17, 2026 |
Each date is when we last checked the provider's own page. Rates and terms can change, so confirm with the provider before you apply.
In ranking order. Each one lists the numbers that decide the choice, its main strengths and its main catches.
Credibly offers $25,000 to $600,000 working capital loans for 6 to 24 months, with factor rates from 1.11 and funding as fast as 4 hours.
Credibly Working Capital Loans is a short-term business financing product for small businesses that need cash quickly. Amounts run from $25,000 to $600,000 over terms of 6 to 24 months, and repayment is by automatic daily or weekly payments.
Engine X is a business travel platform with a no-annual-fee charge card paying 6% back on hotels and rental cars and 1.5% on everything else.
Engine X pairs Engine's business travel booking with the Engine X Card, a business charge card that integrates with your Engine account. Engine describes both Engine X and Direct Bill as free to use, and the card has no annual fee.
Grasshopper Bank offers SBA 7(a) loans from $150,000 (qualify up to $5M online), SBA 504 loans, and a $10,000 to $200,000 term loan from 6.99% APR.
Grasshopper Bank's SBA lending covers two government-backed programs and a non-SBA term loan.
Melio lets small businesses pay and get paid by bank transfer, card or check: a free Go plan with 5 ACH payments a month, paid plans from $25 ($20 billed annually).
Melio is a bill-pay and accounts-payable platform for small businesses. You can pay vendors by ACH bank transfer, credit or debit card, check or wire, and collect from customers by payment request or link.
These four products are not a menu of substitutes. Decide whether you need to pay someone, spend on travel, or borrow, then read the published terms for that job.
Melio and Engine X move money you already have. Credibly and Grasshopper Bank lend you money you will pay back. Comparing a $0.50 ACH fee to a 1.11 factor rate is a category error. Pick the job before you pick a name.
Melio's Go plan is free forever with 5 ACH payments a month. Core, Boost and Unlimited raise that allotment to 20, 50 and unlimited, at $25, $55 and $80 a month ($20, $44 and $64 billed annually). Beyond the free allotment on Go, ACH is $0.50, cards are 2.9% and a check is $1.50. If you mostly pay by card, that 2.9% is the number that matters, not the monthly plan.
Engine X has no annual fee. Hotels and rental cars earn 6% back from $0 to $250K of spend, 7% at $250K, 8% at $2.5M and 10% at $5M, plus 1.5% on everyday purchases at every tier. Engine says actual reward rates vary by purchase category and may change. New cardholders can earn 20,000 Engine points after activating the card and spending $2,000 within 30 days of approval. Credit limits, interest rates and late or foreign-transaction fees are not stated on the product page, so confirm those before applying.
Credibly quotes a factor rate from 1.11 and a 2.5% origination fee on most deals, repaid by automatic daily or weekly payments over 6 to 24 months. On its own example, $50,000 at 1.11 becomes $55,500 repaid plus $1,250 origination. Eligibility is 6 or more months in business and $20,000 or more in average monthly deposits. Approval can take as little as 2 hours and funding as little as 4 hours after you sign. Collateral may be required for larger loans. A short term compresses that cost into a high effective rate, which is why the total, not the 1.11, is the comparison.
Grasshopper Bank does not offer SBA 7(a) loans under $150,000. Preapprovals start there and online applicants can qualify up to $5M. SBA 504 is long-term, fixed-rate financing for real estate and large equipment. The bank does not publish SBA rates, fees or funding times on its lending page. Prequalification uses a soft credit pull. For smaller needs, the Innovator term loan is $10,000 to $200,000 over a fixed 36 months from 6.99% APR, with no prepayment penalty, and it is exclusive to Grasshopper clients. If you need less than $150,000 and are not a client, this is not a 7(a) fit.
We sort these products by editorial review of what each provider publishes: how clear the price is, how useful the terms are for a typical small business, and whether a catch is stated on the page. Bill pay, a travel card, working capital and SBA loans are different jobs, so this is not a single-rate ranking. A commission never changes the order.
No position in this list is paid for. If a paid placement ever appears in a list, it is labeled Sponsored and never carries a “best for” label.
The price, fee, reward rate or loan size is taken from the provider's own page and dated. A missing figure is left blank.
Paying vendors, a travel card, short-term working capital and SBA lending are different purchases. The list names the job so they are not read as substitutes.
When a provider does not publish a rate, a fee or a funding time, the product page says so instead of guessing.
Some links may earn us a commission, and it never changes the order.
Date of the newest provider-page stamp
It depends on the job. Melio is the bill-pay product, with a free Go plan and paid plans from $25 a month. Engine X is the travel and charge-card product, with no annual fee. Credibly is the working-capital loan, $25,000 to $600,000. Grasshopper Bank is the SBA lender, with 7(a) from $150,000 and a separate term loan for its clients. We do not pick one overall winner across those jobs.
Yes. Go is free forever with 5 ACH payments a month and one user. Extra ACH payments on Go cost $0.50 each. Melio also advertises a 90-day free trial of unlimited free ACH and advanced automations with no credit card; without a paid plan the account converts to Go.
No. Engine says there are no annual fees, and describes Engine X and Direct Bill as free to use. The cards are Visa Commercial cards issued by Fifth Third Bank N.A., Member FDIC. Credit limits, interest rates and late or foreign-transaction fees are not stated on the product page.
Credibly quotes a factor rate starting as low as 1.11, plus a 2.5% origination fee on most deals. On its own example, a $50,000 loan at 1.11 repays $55,500 and the origination fee adds $1,250, for a total financing cost of $6,750. Rates can change without notice. Amounts run from $25,000 to $600,000 over 6 to 24 months.
SBA 7(a) preapprovals start at $150,000 and online applicants can qualify up to $5M; Grasshopper does not offer 7(a) loans under $150,000. SBA 504 is long-term, fixed-rate financing for real estate and large equipment. The bank does not publish SBA rates or fees on its lending page. A separate Innovator term loan, for Grasshopper clients, is $10,000 to $200,000 over 36 months from 6.99% APR.
By editorial review of what each provider publishes, not by a shared rate. Bill pay, a travel card, working capital and SBA loans are different jobs. Providers cannot pay for what we write about them.
Best Small Business Finance was last updated in October 2026 and uses rates and fees we verified against each provider's own page. Spot something out of date? Tell us.
