When seeking financing for your business, choosing the right capital funding company or bank can make a huge difference. The best banks for business loans don’t just offer competitive loan options — they also provide essential services like checking accounts, merchant services, and business credit cards. Whether you need short-term working capital, long-term real estate financing, or a flexible line of credit, finding the right financial partner is key to your success.
This guide highlights the six best banks for business loans you can trust in 2025, covering their loan offerings banking products, and additional services to help your business grow.
1. Bluevine – Best for Small Business Line of Credit and Interest-Earning Checking
Bluevine stands out for offering a flexible small business line of credit and a high-yield business checking account. If you’re looking for fast access to working capital without the complexity of traditional bank loans, Bluevine is an excellent choice. Their credit lines can range up to $250,000 with competitive interest rates, and their checking accounts offer 2.0% APY on balances up to $250,000 — a rare perk for business banking.
Additionally, Bluevine’s easy online application process and quick funding times make it ideal for businesses that need capital fast from a trusted capital funding company alternative.
2. U.S. Bank – Best for Long-Term Commercial Real Estate (CRE) Loans
For businesses planning major expansions or property investments, U.S. Bank offers outstanding long-term CRE loans. With fixed and adjustable-rate option, flexible terms, and free business checking accounts, U.S. Bank provides a complete banking solution.
They also offer SBA loans and equipment financing, making them a one-stop-shop for businesses with varied capital needs. Their strong customer service and digital banking tools make them a dependable choice.
3. Chase – Best Multi-Family CRE Lender with Excellent Business Banking
Chase is a powerhouse for businesses looking to finance multi-family properties. They offer a wide array of CRE loan options and are known for competitiv rates and tailored lending solutions. Beyond loans, Chase provides a full suite of business banking services including credit cards, checking accounts, merchant services, and even business investment advice.
Their vast branch and ATM network, combined with robust mobile banking tools, ensures easy access to your accounts wherever you are.
4. Bank of America – Best for Business Credit Cards and Relationship Rewards
Bank of America offers comprehensive lending solutions, but they shine when it comes to their rewards-driven business credit cards. If you bundle your loan and credit card needs with Bank of America, you can access relationship-based discounts and bonuses.
Additionally, they offer competitive term loans, lines of credit, and SBA-backed options, helping businesses access capital quickly. Their online tools for financial management are top-notch, adding extra value beyond lending.
5. Wells Fargo – Best for Fast Working Capital Loans
Wells Fargo remains a strong contender for businesses needing fast, short-term funding. They offer unsecured business loans lines of credit, and SBA loans with an easy application process and quick approval turnaround.
Moreover, Wells Fargo’s extensive educational resources and small business support programs help you better manage your finances and scale your operations. As a capital funding company alternative, Wells Fargo provides a mix of speed, flexibility, and reliability.
6. American Express Business Banking – Best for eCommerce Businesses
If you’re running an eCommerce business, American Express Business Banking is a smart choice. While known for its premium credit cards, American Express also offers business lines of credit and online checking accounts that pair well with the fast-paced needs of digital sellers.
Their focus on digital-first solutions, cashback rewards, and seamless payment processing integrations make it easier for online entrepreneurs to manage both cash flow and growth initiatives efficiently.
Final Thoughts
Choosing the right lender for your small business loan is critical to achieving your growth goals. Whether you prioritize faste working capital, long-term real estate investments, or just need a flexible line of credit, the banks on this list offer reliable solutions you can trust in 2025.
By partnering with a reputable bank or capital funding company, you ensure that your business has the financial resources it needs — now and into the future. Take the time to compare your options carefully, and find the banking partner best suited to your specific business needs.