Affordable small business loans for
self-starters

Nearside small business loans up to $10,000

Open a bank account with Nearside and you can become eligible to get an affordable loan to support your small business or side gig. Loan offers are based on various factors including verification of your account details and a review of no less than 3 months of your activity with Nearside.¹

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Trusted by over
25,000 entrepreneurs

Contractors
Personal chefs
Makeup artists
Clothing designers
Peach farmers
Etsy sellers
Home cleaners
Uber drivers
Contractors
Personal chefs
Makeup artists
Clothing designers
Peach farmers
Etsy sellers
Home cleaners
Uber drivers
Contractors
Personal chefs
Makeup artists
Clothing designers
Peach farmers
Etsy sellers
Home cleaners
Uber drivers

Small Business Loans to help you get ahead

Enjoy predictable weekly payments, affordable flat rates, and no origination fees or prepayment penalties. Exclusively for active Nearside bank account customers.
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“Nearside reached out to me to make sure that my business wouldn’t fail during the pandemic. They made sure my company stayed afloat.”
Sharrod Mariner
Split 2 Imagez

Money to grow your business or side gig

Use your small business loan on anything from repairing your car to purchasing a new laptop. Buy inventory for your online store or upgrade your home office. You can use a Nearside loan for anything you need to take care of business.
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“When I applied, I had limited credit and I was a pretty small new business. Nearside was the only card that would take a chance on me.”
Nathan Meyer
Colorado Peach Company

How it works

Everyone deserves a little credit. We create custom loan offers based on your Nearside bank account and debit card activity and not your credit score.

1
Open a Nearside bank account

Free to get started. Applying takes just a few minutes!

2
Receive a custom loan offer

Loan offers are based on various factors including verification of your account details and a review of no less than 3 months of your activity with Nearside.

3
Grow your business

Spend your funds on anything for your business and earn cashback!

Open Your Nearside Bank Account

The upsides of working with us

1
Automatic 2.2% unlimited debit cashback in 2022²
Only Nearside gives you 2.2% cashback with every charge to your business debit card, full stop. Enjoy rewards with no point tracking, rebates, or gimmicks.
2
Nearside Business Discounts
Growing your business can be costly, and we want to lighten the load. Save up to thousands of dollars with deals on accounting software, shareable documents, POS tools, and more—exclusive to Nearside customers.
3
Mastercard enhanced debit benefits
Enjoy access to Mastercard ID Theft Protection, MasterRental Insurance Coverage, and extra cashback rewards with the Mastercard EasySavings program.³

Gigsters

Owners with 1-5 employees

New entrepreneurs with home businesses

and you’re next!

Trusted by people like you

Our business loans are designed to support small. From Etsy sellers to Uber drivers, to vegetable stands and peach farmers, we’re in the business of supporting small.

First-time business owners

Single-member LLCs

Etsy sellers who knit hats for lizards

Make your money work for you

Once approved, loan proceeds typically arrive in your Nearside bank account in just a few minutes. Spend your funds with your Nearside business debit card and you’ll earn 2.2% unlimited cashback in 2022!*
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Frequently asked questions

How do I qualify for a Nearside offer?

Eligibility is based on various factors including verification of your account details and a review of no less than 3 months of your activity with Nearside. Your eligibility for a loan and the loan amount will depend on factors such as: 1) length of time as an accountholder; 2) amount of debit card and other account transactions and 3) linkage of direct deposits, POS and other sources of income.

Where are Nearside loans available?

Nearside loans are available to small business owners in Arizona, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Utah, Washington, and Wisconsin. If your state isn't listed, open a Nearside business bank account today, and we'll notify you once business loans are available in your area!

What fees are associated with the Nearside loan?

Our loans have no origination fees or prepayment penalties.

How do I get my funds?

Loan proceeds will be deposited directly into your Nearside business bank account.

How do I repay my loan?

Your loan will be paid back each week by ACH transfer from your Nearside bank account.

What can I use a Nearside loan for?

You can use a Nearside loan for any business-related purpose.

Does applying for a Nearside loan affect my credit score?

No, applying for a Nearside loan won’t affect your credit score.

Make your finances work for you

Start Your Application
  1. Conditions Apply.  Your eligibility for a loan and the loan amount will depend on factors such as: 1) length of time as an accountholder; 2) amount of debit card and other account transactions and 3) linkage of direct deposits, POS and other sources of income.  We do not use credit scores to determine eligibility for our loans.
  2. You will earn 1% cashback plus a 1.2% cashback bonus in 2022 (total 2.2%) by using your Nearside business debit card for purchases. You will not earn cashback rewards on purchases of cash-like instruments (money orders, gift cards, etc.), peer-to-peer payments, money transfers and other transactions that do not involve purchases of goods and services. Terms and conditions apply.
  3. See Mastercard Guide to Benefits for more details