Top 5 Business Loans You Should Consider in December 2025

Need business funding before the year ends? Choosing the wrong loan can cost

you thousands. I’m with Benifyt Here are the top five business loans.

You should consider right now, based on your One: Business Line of

Credit, for cash-flow gaps. Two: SBA 7(a) Loan, for expansion,

lowest rates. Three: Short-Term Business Loan, quick funding. Four:

Merchant Cash Advance, for strong revenue, low credit. Five: Equipment Financing,

buy assets without draining cash. The right loan depends on speed, credit profile,

and cash flow. Also how you’ll use the money, not just the rate.