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All across the US, many business in need of a loan can’t afford to wait for banks because they require large amounts of paperwork, financials, tax returns, personal guarantees, collateral and high credit. Running a business is hard work. Getting funding from ThriveKick is not. We will offer our performance-based model that makes fair financing available to thousands of well-run businesses that just miss the cut for traditional bank loans. We will analyze the volume of cash flow in your business, which is a better indicator of your company’s financial health than your personal credit score. This allows us to lend to businesses that would otherwise be locked out of fairly priced capital. By changing the evaluation process, ThriveKick has made it easy for you to receive loans at fair rates so you can focus on growing your business.

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Rates: As low as 5.75%Terms: 12 to 60 monthsCredit Score: 670Loan Amount: $10,000 - $250,000Best for: Bank small-business loansBank of America offers several types of small-business loans, including SBA loans, term loans, business lines of credit, auto loans and equipment financing. Although you’ll
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Rates: 12.75 - 14.75%Terms: Up to 25 yearsCredit Score: 680Loan Amount: $10,000 - $500,000Best for: Bank lines of creditWells Fargo offers multiple small-business loans, including business lines of credit, SBA loans, commercial real estate financing and health care practice loans. Wells Fargo business
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Rates: 10.50 - 13.00%Terms: 10 - 25 yearsCredit Score: 650Loan Amount: $50K - $5MBest for: SBA loansSBA loans are business loans partially guaranteed by the U.S. Small Business Administration and issued by participating lenders, usually banks. These loans have tight lending
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Rates: 15.22 - 45.00%Terms: 6 months to 7 yearsCredit Score: 660Loan Amount: $25,000 - $500,000Best for: Long-term loansFunding Circle is an online lender that offers small-business loans of up to $500,000. These term loans can be a good option for established business
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Rates: 35.40 - 99.90%Terms: 3 – 24 monthsCredit Score: 625Loan Amount: $5,000 - $250,000Best for: Short-term loansOnDeck is an online lender that offers business term loans and business lines of credit. These small-business loans can be used for a variety of
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Rates: 20.00 - 50.00%Terms: 6 or 12 monthsCredit Score: 625Loan Amount: $6,000 - $250,000Best for: Online lines of creditBluevine is a financial technology company that offers business lines of credit up to $250,000 that can be a good option for small-business owners looking
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Rates: Factor rates of 1.1 to 1.3Terms: 4 -15 monthsCredit Score: 500Loan Amount: $5,000 - $1.5 millionBest for: Borrowers with bad creditFora Financial, a New York-based online lender, offers access to small-business loans and merchant cash advances. They may be a great option for businesses looking
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Rates: 10.49 - 29.49%Credit Score: 620Loan Amount: $1,000 - $100,000Pros:
- Fast funding
- Wide range of loan amounts
- Rate discount for autopay
- Option to choose initial payment date
Cons:- Only available to credit union members
- No option to pre-qualify with a soft credit check
- No co-sign or joint loan option
Alliant Credit Union offers fast personal loans between $1,000 and $100,000 with terms of up to five years. While you don’t need to be a -
Loan Amount: $4,000 - $100,000Qualifications:
Minimum FICO credit score: Did not disclose
Minimum credit history: Did not disclose
Minimum annual gross income: $18,000
Maximum debt-to-income ratio: Did not disclose
Bankruptcy-related restrictions: Has restrictions but details not disclosed
States covered: All except AK, HIPros:- Competitive interest rates
- Mobile banking options
- No opening balance requirement
- No monthly maintenance fees
- No origination fee
- Pre-qualify with a soft credit check
Cons:- Limited branch locations
- Opt-in overdraft charges
- Savings rates are never the highest
- Few local branches
Capital One Auto Finance offers financing for new and used cars, but only through its network of participating dealerships. It also provides refinancing for existing -
Rates: 5.39 - 21.00%Terms: 24 - 72 monthsCredit Score: 575Loan Amount: $8,000 - $100,000Best for: Car LoansQualifications:
Minimum FICO credit score: 575
Minimum credit history: None
Minimum annual gross income: $18,000
Maximum debt-to-income ratio: Did not disclose
Bankruptcy-related restrictions: Takes into consideration prior and current bankruptcy
States covered: All states except AK and HIPros:- Competitive interest rates
- Fast application process
- No origination fees
- FICO scores of 575 or above considered
Cons:- Vehicle restrictions
- Loans not available for residents of Alaska or Hawaii
- $8,000 minimum loan amount for new cars
Want to save time looking for your next auto loan? Consider myAutoLoan, where you’ll get competing bids from up to four lenders at once, rather -
Rates: 5.54 - 17.54%Credit Score: 620Loan Amount: $7,500 - $500,000Best for: Car PurchaseQualifications:
Minimum FICO credit score: 620
Minimum credit history: None
Minimum annual gross income: None
Maximum debt-to-income ratio: No set requirement, but is generally 50% or under for approved loans
Bankruptcy-related restrictions: No open bankruptcies
States covered: All 50 states
Membership: Requires paying a one-time $5 membership fee and maintaining a $5 balance in a share/savings accountPros:- Offers rate estimates through its website using a soft credit check
- Takes applications online, by phone, in branches or at authorized dealerships in Illinois and southern Wisconsin
- Offers rate discount with automatic payment
- Provides online car-buying service with discounted pricing
- Allows co-signers
Cons:- Credit union membership required to get a loan
- No rate discounts if using online car-buying service
- Social Security number required for online rate estimate
Consumers Credit Union helps its members finance or refinance auto loans for up to 84 months with no maximum or minimum loan amounts, prepayment penalties -
Rates: 18.00 - 35.99%Terms: 2 - 5 yearsCredit Score: NoneLoan Amount: $1,500 - $20,000Pros:
- Option to choose and change your payment date
- Joint and secured loans
- Fast funding
- Direct payment to creditors on debt consolidation loans
Cons:- Rates are high compared to other lenders
- Charges origination fee
- No rate discounts
- Limited loan amounts
OneMain Financial is a personal loan lender that operates branches in 44 states around the country and makes loans available to applicants with bad credit. -
Rates: 11.69 - 35.99%Terms: 3 - 5 yearsCredit Score: 560Loan Amount: $1,000 - $50,000Qualifications:
Minimum credit score: 560
Minimum number of accounts on credit history: 1 account
Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for
Minimum length of credit history: 2 years
Minimum income requirement: None. Lender accepts income from alimony, retirement, child support, Social Security and other sourcesPros:- Offers direct payment to creditors with debt consolidation loans
- Fast funding
- Offers multiple rate discounts
- Offers free credit score access
Cons:- Charges origination fee
- Borrowers can choose from only two repayment term options
Universal Credit personal loans are best for borrowers with low credit scores who want a loan with features that will help their scores. Universal Credit’s -
Rates: 9.95 - 35.99%Terms: 1 - 5 yearsCredit Score: 550Loan Amount: $2,000 - $35,000Pros:
- Fast funding
- Option to change your payment date
- Option to pre-qualify with a soft credit check
- Mobile app to manage loan
Cons:- May charge an origination fee
- No co-signed, joint or secured loans
- No rate discounts
Avant is an online lending platform that offers personal loans to borrowers with fair and bad credit. The company says most of its customers have
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Credit Score: 580Min. down payment: 5%Pros:
- Offers a wide variety of loan products
Cons:- High origination fees
Services: Purchase, Refinance, Home Equity, Reverse, Jumbo, Fixed, Adjustable, FHA, VA, USDAFounded in 2003, New American Funding is one of the largest, privately owned direct mortgage lenders in the United States. They offer a wide variety -
Credit Score: 620Min. down payment: 3%Pros:
- Loans and services available nationwide
- Offers government-backed loans
- Low rates and fees, compared to other lenders
- $5,000 closing guarantee
Cons:- Doesn’t offer USDA or mobile home loans
- No down payment assistance programs
- HELOCs and construction loans limited to Kansas City
Services: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VANBKC Bank is an online and brick-and-mortar lender, established in 1999, that provides a variety of mortgage options, including conventional and government-insured loans, refinancing and -
Credit Score: 620Min. down payment: 3%Pros:
- Offers a wide variety of loans
- Low rates compared to other lenders
- Streamlined application process
Cons:- Higher credit score requirements
- Doesn't offer home equity loans
Services: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDAGuaranteed Rate is one of the biggest names in the mortgage market. The Chicago-based lender was founded in 2000 and today has more than 10,000 -
Credit Score: 660Min. down payment: 5%Pros:
- Low down payment mortgages
- Down payment assistance
- Competitive HELOC
- Transparent mortgage rates
Cons:- Customer satisfaction scores are mixed
- Doesn't offer renovation mortgage loans
- No USDA loans or home equity loans
Services: Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VABank of America is the second-largest bank in the U.S. Its home loan products include mortgages, refinancing and home equity lines of credit (HELOCs), offering -
Credit Score: 620Min. down payment: 0%Pros:
- Offers 24/7 customer service over the phone
- Offers a free credit counseling service
- Mortgage rates are on the low side
Cons:- Doesn't offer home equity loans or HELOCs
- Branch offices in only 17 states
Veterans United specializes in VA loans, and the online convenience makes it a strong choice for military borrowers. Along with purchase loans, the lender offers -
Credit Score: 620Min. down payment: 3%Pros:
- Offers conventional, FHA, VA, USDA and jumbo loans
- Multiple customer service options available
- Low average mortgage interest rates and origination fees
Cons:- No mortgage rates displayed online
- Doesn't offer home equity loans or lines of credit
Services: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDAFreedom Mortgage offers conventional purchase and refinance loans (cash-out and rate-and-term options). They also provide jumbo loans and government-backed FHA, VA and USDA options. They -
Credit Score: 620Min. down payment: 3%Pros:
- Offers a wide range of loan types and products, including FHA, VA and USDA
- Borrowers can apply and track loan status online
- No minimum loan amount for its conventional loan products
- Available in all 50 US states
Cons:- Home equity loans are geographically limited
- Borrowers can’t close entirely online
- Origination fees are on the high side
- Doesn't offer reverse mortgages
Services: Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDAFlagstar Bank provides a variety of mortgage options for borrowers, including conventional loans, jumbo loans, government-backed loans and construction and renovation loans. They have branches
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Financial Strength Rating: ExceptionalNAIC complaints: Close to expectedPolicies offered: Term, permanent & no-examOnline Purchase: YesPros:
- Policies include at least 2 no-cost living benefit riders
- Offers return-of-premium (ROP) term
- No exam needed on some policies
- Wide range of riders available
Cons:- No variable universal or traditional whole life insurance
- Not as many term lengths as other insurers
- Age restrictions can vary by state
Based in Nebraska, Mutual of Omaha is a mutual company owned by its policyholders. Along with life insurance, it offers a range of insurance products -
Financial Strength Rating: ExceptionalNAIC complaints: Fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: NoPros:
- No-medical-exam coverage
- Policies are underwritten by New York Life
- Online application available
Cons:- Few riders
- Low coverage limits
- Only available for AARP members
The AARP Life Insurance Program offers policies that are underwritten by New York Life. If you’re an AARP member, you can purchase term life or -
Financial Strength Rating: StrongNAIC complaints: Fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: YesPros:
- Most applicants don't need to take a medical exam
- Offers both term and whole life insurance online
- Fully digital application
Cons:- No live chat feature, which is unusual for insurtechs
- Can't customize coverage with riders
Ethos offers a streamlined online application process that doesn’t require a medical exam for most applicants, and its policies are underwritten by established insurers with -
Financial Strength Rating: ExceptionalNAIC complaints: Far fewer than expectedPolicies offered: Term & permanentOnline Purchase: NoPros:
- Term, whole, and universal policies available
- Term policies can be applied for online
- High age limits for some permanent policies
Cons:- No online quotes or applications for permanent policies
- Longer term policies have relatively low age restrictions
- Minimal policy details on the site
Guardian Life Insurance Company was founded in 1860 and provides individual life insurance. They also offer investment management, disability, business insurance, and benefits such as -
Financial Strength Rating: ExceptionalNAIC complaints: Far fewer than expectedPolicies offered: Term, permanent & no-examOnline Purchase: YesPros:
- Wide range of term and permanent life insurance policies
- Offers an instant life insurance policy
- Supports online claims
Cons:- No online application for permanent policies
- Most policies require a medical exam
Founded in 1851, Massachusetts Mutual Life Insurance Co. is one of the largest life insurers in the United States. It offers a broad range of -
Financial Strength Rating: ExceptionalNAIC complaints: Far fewer than expectedPolicies offered: Term & permanentOnline Purchase: NoPros:
- Excellent customer satisfaction
- Top-tier financial stability
- Policies eligible for dividends
- No-medical-exam coverage available
Cons:- Can’t buy without an agent
- Online capabilities are lacking
Northwestern Mutual has been in the life insurance business for more than 160 years. It offers a variety of products nationwide, including life insurance, long-term -
Financial Strength Rating: ExceptionalNAIC complaints: Fewer than expectedPolicies offered: Term & permanentOnline Purchase: NoPros:
- Excellent financial stability
- Policies are eligible for dividends
- Broad selection of riders
- Policies available for 90-year-old applicants
- Very few complaints for its size
Cons:- Term policy periods capped at 20 years
- Difficult to find some information on the website
- No online quotes for term life insurance
- Does not have a mobile app
New York Life is a rock-solid company that’s great for someone seeking permanent life insurance, especially if they prefer to work with an agent rather
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NAIC complaints: Far fewer than expectedCoverage Options: Below averageDiscounts: Average set of discountsPros:
- Low rates compared to national average
- Discounts for bundling home and auto
- Over a dozen additional coverage options
- Top-notch customer service
Cons:- Only available to the military community
- Discounts not available in all states
One of the largest home insurers in the country, USAA offers policies to active-duty military members, veterans and their families. USAA home insurance policies include -
Pros:
- Provides quotes from multiple carriers
- Allows you to bundle home insurance with auto
- Offers a wide range of discounts
- Easy-to-use app
Cons:- No options for increased dwelling coverage
- Not a direct insurance carrier
- Doesn't underwrite its own policies
- May have a banned dog list
Progressive home insurance policies come primarily from third parties. They match you with a home insurer through the Progressive Advantage Agency, which shops around with -
NAIC complaints: Fewer than expectedCoverage Options: About averageDiscounts: Average set of discountsPros:
- Offers short-term rental coverage for Airbnb
- Green home coverage and discounts
- Offers extended replacement cost options
- Doesn’t require prior insurance
Cons:- Subpar customer service ratings
- Some dog breeds are banned
- Doesn’t insure mobile or manufactured homes
- Not available nationwide
Travelers offers a competitive assortment of standard and optional home insurance coverage in all states except California and Florida. Home insurance policies from Travelers have -
NAIC complaints: Far fewer than expectedAverage annual rate: $1,125Coverage Options: More than averageDiscounts: Very few discountsPros:
- Policies include guaranteed replacement cost for your home's structure
- Broad coverage is included for your belongings
- No restricted dog breeds
Cons:- Not available in all states
- No online quotes
Openly insurance is ideal for homeowners with high-value homes looking for a policy they can customize to fit their unique needs. It offers a slew -
Average annual rate: $2,180Pros:
- Offers some coverage standard that other companies charge extra for
- Website offers lots of useful features and information
- Lots of discounts available
Cons:- Not available in Alaska, Hawaii or Louisiana
- Doesn't insure mobile or manufactured homes
Nationwide offers customizable auto insurance coverage in nearly all states, and its premiums tend to be on the lower end among the competition. With an -
NAIC complaints: Fewer than expectedAverage annual rate: $1,430Coverage Options: More than averageDiscounts: Average set of discountsPros:
- Rates generally below the national average
- Policies may include guaranteed replacement cost coverage
- Receives fewer complaints than expected for a company of its size
Cons:- Not available in most states
In business since 1925, Erie Insurance knows how to keep their customers happy. Erie Insurance has received far fewer complaints than expected over the last -
NAIC complaints: Fewer than expectedAverage annual rate: $2,190Coverage Options: More than averageDiscounts: Average set of discountsPros:
- Several standard features can help save money
- Less common coverage options are available
- Discounts for nonsmokers and members of certain professions
Cons:- Tends to be more expensive than many competitors
Farmers home insurance is well suited for a variety of homeowners. Its coverage comes in three tiers, and its standard policy includes several money-saving features
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Average monthly rate: $454Pros:
- Low Medicare Advantage premiums
- Good value prescription drug coverage
- Ability to make appointments online
- Large provider network
Cons:- Potentially high deductibles
- Expensive Medigap Plan G
- Not available in all 50 states
Kaiser Permanente offers multiple types of health insurance, including individual plans, family plans, Medicare, Medicaid and group health insurance. Most Kaiser insurance plans are HMO -
Average monthly rate: $450Pros:
- Rated highly for affordability
- Many plans with $0 monthly premium and/or $0 annual deductible
- Affordable prescription drug plans
- Among the most trusted health insurers
Cons:- Doesn’t offer private individual or family policies
- Doesn't offer short term health insurance
- Must pay Plan B premiums
Aetna offers health maintenance organization (HMO) and exclusive provider organization (EPO) plans on the health insurance marketplace. With some of the cheapest rates available, Aetna -
Average monthly rate: $465Pros:
- Moderate rates for individual plans
- Cheap Medicare Advantage insurance
- Home delivery for prescriptions
- Large provider network
Cons:- Potentially high deductibles
- Not available in all 50 states
Cigna provides health insurance coverage to millions of individuals and families in 13 states on the ACA marketplace. It has more than 1.5 million relationships -
Average monthly rate: $495Pros:
- Low-cost PPO plans
- Largest Medicare Advantage network in the U.S.
- Many plans include coverage for prescription drugs
- Many plans cover vision and dental care
Cons:- Plans not available in Alaska
- Benefits and features vary by location
- Mediocre customer service
AARP Medicare Supplement Insurance provides strong coverage at a good value. Average costs are variable, and in addition to the standard benefits, plans provide discounted -
Average monthly rate: $581Pros:
- Comprehensive health coverage
- Unrivaled support and resources
- Extensive coverage options
Cons:- Limited Geographical Coverage
- Potential Cost Variability
- Discount Limitations
EmblemHealth is a privately held company that provides affordable and quality health benefits to individuals, families, and businesses. The company delivers personalized health insurance that -
Average monthly rate: $507Pros:
- Affordable marketplace plans
- Different tiers of coverage available
- Dedicated, member-focused care team
- Free virtual primary care visits
Cons:- Available in limited areas
- Lack of vision and dental coverage
Oscar Health Insurance sells individual and small business health plans in limited areas of the United States. They provide coverage in three types of health -
Average monthly rate: $607Pros:
- Offers a large provider network
- Has widespread availability
- Comes with member perks, including discounts on health products
Cons:- Higher rates than many competitors
- Service ratings vary by regional provider
Blue Cross Blue Shield (BCBS) is one of the biggest health insurance companies in the country. Its large provider network and unique member perks make
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NAIC complaints: Fewer than expectedAverage annual rate: $2,807Discounts: Great set of discountsPros:
- Broad network of agents available
- Multiple discounts available
- Above-average ratings for claims satisfaction
- Customize your coverage to suit your unique needs
- Added coverage available for rideshare drivers
Cons:- Not available nationwide
- Below-average customer service ratings in most regions
- No gap insurance offered
Farmers Insurance offers an array of auto insurance coverage options through their network of agents in 43 different states. With multiple discounts available, above-average ratings -
NAIC complaints: Close to expectedAverage annual rate: $1,120Discounts: Great set of discountsPros:
- Consistently exceptional customer service
- Several financial products available
- Multiple additional military resources
Cons:- Military families only
- Membership required
- High number of complaints
USAA is a popular name in the insurance industry, and for a good reason. For several years running, USAA has topped customer satisfaction and financial -
NAIC complaints: Fewer than expectedDiscounts: Great set of discountsPros:
- Broad network of agents available
- Affordable average premiums
- Useful online portal and mobile app
Cons:- Roadside assistance, accident forgiveness, and vanishing deductible benefits cost extra
- Disappointing customer satisfaction ratings
Nationwide offers customizable auto insurance coverage in nearly all states, and its premiums tend to be on the lower end among the competition. With an -
NAIC complaints: Close to expectedDiscounts: Great set of discountsPros:
- Many types of coverage available
- Offers gap insurance
- Lots of discounts
- Robust digital tools
Cons:- Average customer satisfaction ratings
- Premiums can be high
Liberty Mutual Auto Insurance offers a full range of personal insurance products, including auto insurance. It’s licensed nationwide, and despite higher rates than companies like -
NAIC complaints: Fewer than expectedAverage annual rate: $1,751Discounts: Great set of discountsPros:
- Lower than average rates
- Lots of discounts available
- Wide range of coverage options
Cons:- Limited rideshare coverage
- Mediocre customer service
Travelers is one of the oldest and most reputable car insurance providers in the country. They currently offer policies in 42 states and are competitive -
NAIC complaints: Fewer than expectedAverage annual rate: $1,431Discounts: Average set of discountsPros:
- Rideshare insurance available
- Large network of agents available
- Numerous discounts offered
Cons:- Doesn't offer gap insurance
- Must buy through agent if you have more than 4 vehicles
- Reports of higher premiums
State Farm is one of the largest private passenger auto insurers, but it offers a wide variety of other insurance and financial products, sold exclusively -
NAIC complaints: Fewer than expectedAverage annual rate: $2,075Discounts: Great set of discountsPros:
- Low rates for high-risk drivers
- Wide range of discounts
- Rideshare coverage available
- Accident forgiveness
Cons:- No policy discounts for safety equipment
- Average customer service ratings
Progressive car insurance is available in all 50 states and Washington, D.C. They provide all state-specific and basic coverage options you might need, including liability,
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