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Pathward

|Nonbank Lender|United States
Up to $10 Million
Loan Amount
No Minimum
Monthly Revenue
No Minimum Time in Business
Time in Business

Our Pathward Review

4.0/ 5.0How we rate

Pathward supports individuals as well as small and medium-size businesses. We use our national bank charter to empower partners, and our financial expertise to deliver solutions across two business lines: Partner Solutions and Commercial Finance.

Who Is Pathward Best For?

Based on eligibility requirements and available products.

  • Businesses where credit score is not a primary factor
  • New businesses with limited operating history
  • Businesses that need equipment or machinery financing
  • Established businesses that qualify for SBA programs

Financing Options

Equipment Finance
USDA Business and Industry
Construction Finance
Working Capital
SBA 7(a)
Commercial Real Estate Financing
USDA Business & Industry
Line of Credit
Term Loan

Eligibility Requirements

Time in Business
No Minimum Time in Business
Minimum Monthly Revenue
No Minimum

Quick Overview

Loan AmountUp to $10 Million
GeographyUnited States
DoughRating
Products9

Pathward Pros & Cons

Pros

  • No minimum credit score requirement
  • Startup-friendly no seasoning requirement
  • Lends nationwide
  • High loan amounts available
  • Wide range of financing products

Frequently Asked Questions

Pathward offers financing in the range of Up to $10 Million.

Pathward does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.

Pathward offers the following financing products: Equipment Finance, USDA Business and Industry, Construction Finance, Working Capital, SBA 7(a), Commercial Real Estate Financing, USDA Business & Industry, Line of Credit, Term Loan.

Pathward requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

Pathward provides financing to businesses across the United States.

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Pathward Review (2026) | Equipment Finance Lender | BreadRoute