SBA provides strategic and financial help to small businesses in the USA. If you have a great plan you will definitely get help from them. “In the Small Business Act of July 30, 1953, Congress created the Small Business Administration, whose function is to "aid, counsel, assist and protect, insofar as is possible, the interests of small business concerns." The charter also stipulates that SBA would ensure small businesses a "fair proportion" of government contracts and sales of surplus property. Read the Small Business Act in full”
You can get finance of $25,000 or more from Bank of America small business loan program. They need you to open a business checking account where the repayments will be debited from. Your business must be in operation for at least 2 years. There is a finance fee of 0.5% of the amount financed. You will have to talk to them for APR. It’s based on your or business credit score. Banks tend to give low APR to accounts with high credit score.
They have a great program to get quick finance for your business. Instead of one-time loans, Kabbage offers ongoing lines of credit up to $100,000. You can use any increment up to once per day. The interest rate is also reasonable. You can get a 6 month term loan of $30K and pay $3,000 in fees which I think better than many other loan providers. For a $30K loan your monthly repayments will be $5,900 for first two months and $5,300 for the rest 4 months. This program will benefit most for the people who are looking for working capital.
To apply for a business loan with OnDeck you must have minimum credit score of 600 and your business must be minimum 9 months old. Your business must generate $75,000 or more in annual sales. You will need to have a Personal guarantee and business lien. Repayments are weekly direct debit. Estimated APR is 14-40%.