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Small Business Loans in Nevada

Ready to find success and secure a small business loan? You're in the right place! Our in-house research team of finance experts has compiled this most comprehensive list of business loans for you to find the best option for you. Bad credit and startups acceptable when meeting specific qualifications.

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10 Small Business Loans in Nevada

Our compilation is a specialized analysis of small business financing providers in Nevada, underpinned by factual and confirmable information. 

It ranks these entities according to the volume of small business loans they have disbursed throughout the current year, spotlighting the institutions actually lending to small businesses. 

(This contrasts sharply with other sources that often limit their discussions to nonprofit organizations that rarely lend and scarcely accessible governmental initiatives!)

Takeaway: Big, national banks do the majority of small business lending in Nevada. 

Methodology: Our findings are grounded in data from SBA 7a loans, ensuring that every lender mentioned provides these loans. 

Beyond that, we've detailed other small business financing opportunities they advertise on their sites. 

Given the stringent requirements of conventional banks, which typically include high credit scores and a business operation history of at least two years, we've initiated our guide with two alternative funding solutions designed to support small business owners facing challenges with credit history or those who are relatively new to the business landscape.

1. Credit Suite

Credit Suite stands out in the business credit consulting and software sector by also providing two innovative financing solutions beyond the traditional scope.

Their Cash Flow Financing option is an excellent choice for business owners who have been in operation for a few years and have lower credit requirements. It allows you to use your business's cash flow as collateral for obtaining flexible financing options. Instead of fixed monthly payments, repayment is tailored to a percentage of your business's ongoing cash flow.

Additionally, the Credit Line Hybrid is a financing solution that relies solely on the personal creditworthiness of the applicant, bypassing the need for detailed financial information, bank statements, or business plans. 

It's specifically designed for emerging startups and entrepreneurs, with available funding ranging from $5,000 to $150,000, making it an ideal option for businesses in their formative stages, especially those younger than two years.

Business financing options offered:

  • Credit Suite Cash Flow Financing

  • Credit Suite Credit Line Hybrid

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2. U.S. Bank

US Bank stands out as a prominent, nationwide financial institution offering a diverse range of business financing solutions. 

With its extensive network of branch locations, it's a familiar sight in many communities. In Nevada, it leads the pack in distributing more SBA loans than any other banking entity.

Business financing options offered:

  • US Bank Quick Loan

  • Business Term Loan

  • Commercial Real Estate Loan

  • Equipment Financing

  • SBA Loans

  • Dental, Medical, and Vet Practice Loans

  • Business Line of Credit

  • Manage Cash Flow

  • Business Equity Line of Credit

  • Business Reserve Line

  • 4 Business Credit Cards

3. Wells Fargo Bank

Wells Fargo is a major national banking entity with a widespread presence, so it may surprise you that it has a relatively modest selection of small business financing options. 

Yet, it secures a prominent spot on this list, attributed to the substantial volume of loans it successfully processes and disburses.

Business financing options offered:

  • SBA 7a Loans & 504 Loans

  • 2 Business Lines of Credit

  • Practice Financing

4. Zions Bank

Utah-based Zions Bank has a robust presence in Nevada, and it originates quite a few small business loans. In addition to its impressive line-up of small business financing products, it also has many bank branches throughout the state.

Business financing options offered:

  • Term Loans and Lines of Credit

  • Small Business Administration (SBA) Loans

  • Business Term Loans

  • Business Access Loans

  • Business Lines of Credit

  • Commercial Real Estate Financing

  • Equipment Financing

  • Owner Occupied Commercial Real Estate

  • Factoring

  • 5 Business Credit Cards 

  • Agricultural Loans

5. BayFirst National Bank

BayFirst National is dedicated to providing SBA loans, touting "Lightning Fast Business Loans!" and "In-house team, quick funding" on their site. Their advantage lies in possessing an internal underwriting team, ensuring both rapid processing and specialized knowledge. 

This ability to expedite the typically lengthy SBA loan funding process marks a significant benefit for them.

Business financing options offered:

  • SBA Loans

  • Commercial Real Estate Loans

  • Commercial Term Loans

  • Commercial Lines of Credit

  • Construction Loans

  • Heavy Equipment Financing

6. Newtek Bank

Newtek might not be on your radar as a conventional bank with brick-and-mortar branches, but it's a significant player in the public market, heavily involved in small business financing. 

While their online presence showcases just a quartet of small business finance solutions, their repertoire extends far beyond, offering a suite of financial services tailored for the small business sector. 

This range includes, but is not limited to, transaction processing services, insurance options, benefits for employees, and payroll management solutions.

Business financing options offered:

  • Term Loans

  • Asset Based Financing

  • Inventory Based Financing

  • SBA Loans

7. The Huntington National Bank

Huntington National Bank stands out not only for its leadership in small business lending within this region but also for being the premier originator of SBA 7a loans nationwide. 

This distinction ensures their presence among the top 10 lenders in nearly every other state, highlighting their commitment to partnering with small enterprises. 

Beyond the realm of SBA loans, Huntington boasts an extensive portfolio of financing solutions tailored for small businesses, ranging from leasing equipment and agricultural financing to diverse real estate lending options.

Business financing options offered:

  • SBA 7a Loans

  • Equipment Leasing

  • Church Lending

  • Greek House Financing

  • Agricultural Loans

  • Warehouse Lending

  • Real Estate Loans, Term Loans, and Lines of Credit

8. Readycap Lending

Readycap specializes in providing key small business financing options, including SBA 7a loans and USDA Business and Industry loans. 

Beyond these government-supported financial solutions, they also present a variety of specialized commercial real estate loans. 

For those engaged in real estate investment or development, exploring Readycap's diverse range of loan products is highly recommended, as they feature several unique financing types not commonly available elsewhere.

Business financing options offered:

  • SBA 7a Loans

  • USDA B&I

  • Many Niche Commercial Real Estate Loans

9. Bank of America

Bank of America stands out as a major national player included in this roundup. Renowned for distributing a significant volume of small business loans across Nevada, their presence is bolstered by numerous branches statewide.

The array of small business finance options they offer is commendable. Yet, what truly sets them apart is their explicit detailing of loan application criteria. Such openness is uncommon among lenders, earning our praise for its clarity. 

Prospective borrowers are advised to review these criteria closely to ensure eligibility for their desired loan product before proceeding with an application.

Business financing options offered:

  • Business Advantage Credit Line

  • Business Advantage Term Loan

  • Commercial real estate

  • Equipment loans

  • SBA loans

  • Healthcare practice loans

  • Secured Business Line of Credit

  • Secured Business Term Loan

10. America First Credit Union

America First Credit Union is a small credit union based in nearby Utah. It offers diverse business loan and financing options. 

Business financing options offered:

  • SBA / Business Loan

  • Business Checking Lines of Credit

  • Business Vehicle Loans

  • Equipment & Machinery Loans

  • Unsecured - Capital Loans

  • Business Acquisition / Franchise Loans

  • Commercial Real Estate

  • 1 Business Visa Credit Card

How to apply for a small business loan in Nevada 

Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!

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