Lending Club is a peer to peer lending service that provides term loans of up to $300,000. The requirements are pretty fair in comparison with other lenders. You must have been in business for at least a year and make at least $50,000 in annual sales to qualify. You must also own at least 20 percent and have decent credit.
The biggest downside is that there have been accusations of hidden fees and double payments. This is being disputed and it still has a decent rating on the BBB’s website. Still, it is something to keep in mind. Also, loans of more than $100,000 usually require a lien on your business for collateral, which can always be a bit risky.