A $100,000 business loan steps up from quick working capital into real expansion capital. You have strong options across term loans, lines of credit and SBA — with slightly higher revenue and time-in-business expectations.
What a $100,000 loan can do
- Build out or renovate a location
- Buy major equipment or vehicles
- Fund a significant hiring wave
- Consolidate higher-cost debt
More options open up: at $100k, SBA and longer-term loans become realistic for lower payments, alongside fast revenue-based funding.
Which loan types reach $100,000?
Working capital, a line of credit, term loans, SBA loans, and equipment financing all reach $100,000.
What you'll typically need
| Requirement | Typical minimum |
|---|---|
| Time in business | 1+ year (some at 6+ months) |
| Annual revenue | $200,000+ |
| Credit score | Varies by product; revenue-based options are flexible |
| Documents | Application + bank statements (financials for larger amounts) |
Not sure how much you qualify for? Try the loan calculator or just get matched below — we'll show the amounts and terms you're eligible for.
Other amounts: $50k · $100k · $250k · $500k · $1M
Frequently asked questions
What do I need for a $100,000 business loan?
Typically a year or more in business and steady revenue. Revenue-based options are more flexible; SBA and bank loans want stronger credit and financials.
Is a $100k loan better as a term loan or line of credit?
Use a term loan for a one-time expansion; a line of credit for ongoing or phased needs. Many owners qualify for both.