What Is the Easiest Business Loan to Get? Best Small Business Loans 2025

Last Updated on August 6, 2025 by Olga Davis

Key Takeaways

• CoinRabbit — Easiest business loan for crypto users
• Kiva — Interest-free loans, backed by community lenders
• PayPal Working Capital — Easiest loan for PayPal sellers
• Square Loans — Easiest loan for in-person sales, automatic offers, no credit needed
• Credibly — Easy loans for low credit scores

Finding funding for your business can be frustrating. Traditional banks often expect perfect credit, years of financial history, and paperwork that feels endless. But in 2025, new lenders are changing that. If you are looking for the easiest business loan, you do not have to go through the usual process anymore.

What Is The Easiest Business Loan To Get?

An easy business loan is the one that doesn’t make you jump through a hundred hoops just to hear “no.” It’s simple, quick, and doesn’t expect you to have a perfect credit history or years of paperwork ready to go.

Usually, the easiest loans have a few things in common

• They do not care much about your credit score
• The application is short and takes just a few minutes
• You are not asked to upload endless documents
• Approval is based on what your business is actually doing, not just what’s on paper
• If you are approved, the money shows up fast — sometimes even the same day

By the way, if saving time matters to you, it’s also worth checking out tools that can help you manage your finances and presence in Web3 — like choosing the best crypto wallet for beginners, building an ideal crypto portfolio, exploring how to make money with Bitcoin for beginners, or even learning how you can borrow and lend USDC to keep your capital working efficiently.

1. CoinRabbit — Easiest Business Loan for Crypto Users

CoinRabbit is not a traditional lender. It lets you borrow stablecoins like USDT or USDC using your crypto as collateral. There are no credit checks and you do not have to explain what the money is for. If you are in the crypto world and you need fast liquidity, this is one of the most direct options out there.

Overview

• No credit check
• No income documents
• Funds sent in minutes
• You keep ownership of your crypto
• 24/7 human support

CoinRabbit uses a loan to value ratio that depends on the asset you deposit. You can borrow up to 90% of the value of your coins, and the platform simply holds your collateral until you’re ready to repay, with no fixed schedule and no pressure.

Take Sarah, for example. She’s a freelance designer who keeps most of her savings in crypto. One month, a client asks her to take on a big project (great news!), but it means she needs to upgrade her software and pay a developer to help. Instead of selling her coins during a dip, Sarah uses CoinRabbit to borrow against crypto. The funds arrive in minutes, she covers the expenses, finishes the project, and repays the loan a few weeks later – without ever giving up her investment.

2. Kiva — Business Loan with No Credit Check

Kiva offers interest free loans funded by individual lenders from around the world. It is one of the few platforms that does not care about your credit history at all.

You create a profile, share your business idea, and ask your community to support the loan. Once you reach a small initial funding goal, Kiva opens your request to a larger group of lenders.

Overview

• Loans range from one thousand to fifteen thousand dollars
• Zero interest and no fees
• No credit check required
• Repayment terms up to thirty six months
• Available in most states except Nevada and North Dakota

This option is not instant. The funding process takes time because it relies on real people choosing to support your project. But if you are just starting out and cannot qualify anywhere else, Kiva is worth exploring.

3. PayPal Working Capital — Easiest Business Loan for PayPal Sellers

If your business earns through PayPal, this is one of the simplest ways to get funding based on your actual sales history. There is no credit check. Approval is based entirely on how much you process through your PayPal account.

Overview

• Loan amounts from one thousand to two hundred thousand dollars
• Flat fee instead of interest
• No credit pull
• Approval and funding can happen within minutes
• Repayment comes from a fixed percentage of PayPal sales

This is a good choice if you already rely on PayPal for business. The loan adjusts to your cash flow, which makes it less stressful during slow months.

4. Square Loans — Easiest Business Loan for In Person Sales

For businesses using Square to process payments, this is another straightforward option. Square uses your sales history to offer loan options right inside your dashboard.

Overview

• Loans from one hundred to three hundred fifty thousand dollars
• No application form required
• No credit score involved
• Repayment through automatic deductions from sales
• Fixed fee with no interest or penalties

You do not have to apply in the traditional sense. If you qualify, Square will offer you a loan directly. It is one of the least invasive options available for retail businesses, restaurants, or vendors.

5. Credibly — Easiest Business Loan for Low Credit Scores

Credibly does check your credit, but the bar is lower than most. You can qualify with a score as low as five hundred, as long as your business brings in steady revenue.

Overview

• Loan amounts from five thousand to six hundred thousand dollars
• Terms from three to twenty four months
• Minimum six months in business
• At least fifteen thousand dollars in monthly revenue
• Decisions in a few hours, funds within a day

This is not a zero barrier lender, but if you have a business that is doing well and a low credit score is the only thing holding you back, Credibly might work.

How to Choose the Easiest Business Loan for You

The best choice depends on your business model, how fast you need money, and what you are willing to risk. Here is a quick way to compare: