| Feature | Banks (Direct Lenders) | BestLoanUSA (Broker) |
|---|---|---|
| Access to 75+ lenders for diverse options | ✗ No (Limited to their own products) |
✓ Yes (Connects to top banks and alternative lenders) |
| Shop rates across multiple lenders simultaneously | ✗ No (Only their own rates) |
✓ Yes (Ensures competitive rates starting at Prime + 1%) |
| Approvals in as little as 24-48 hours | ✗ No (Typically 1-4 weeks or longer) |
✓ Yes (Streamlined process with fast pre-approvals) |
| Options for credit scores as low as 500 | ✗ No (Usually require 600+ FICO) |
✓ Yes (Flexible credit requirements for some products) |
| Handling paperwork for complex loans like SBA | ✗ No (You manage most yourself) |
✓ Yes (Brokers handle and connect to SBA-approved lenders) |
| Free broker service with no upfront fees | ✗ No (May have application fees) |
✓ Yes (Service is free; fees disclosed by lenders) |
| Early payoff discounts/no prepayment penalties | ✗ No (Often have penalties) |
✓ Yes (Flexible terms across lenders) |
| Bundling options (e.g., A/R with inventory lines) | ✗ No (Siloed products) |
✓ Yes (Comprehensive solutions through network) |