To determine the top business loan providers and products for 2023, I've evaluated over a dozen leading online lenders, banks, peer-to-peer platforms and private finance companies. The key factors I assessed were: Interest rates and overall cost of borrowing Loan amounts offered Loan terms available Speed of funding after approval Flexibility of repayment options Requirements on time in business and revenue Use of security or collateral Fees and other costs Overall reviews and reputation of lender This allowed us to identify loans offering the most competitive rates and terms combined with flexible qualifying criteria for different business situations. Our rankings aim to provide the most affordable financing options accessible to both new and established businesses.