Small Business
Small business loans and credit cards can help launch your startup, cover overhead costs, purchase equipment, refinance debt — and more. Explore your options below and find the right business loan or business credit card for you.
Spotlight articles
Bank of America vs. Wells Fargo: Which small business lender is right for you?
Bank of America and Wells Fargo both offer business loans to companies with good-to-excellent credit.
Chase vs. Bank of America: Which small business lender is right for you?
Chase and Bank of America both offer business loans to established companies with good-to-excellent credit.
Bank of America vs. U.S. Bank: Which small business lender is right for you?
Bank of America and U.S. Bank both offer business loans, but the right lender for you will depend on your individual needs.
We asked two women who started their own small business what it’s like. Here’s what they said
We asked two female entrepreneurs about a day in their life and what advice and insights they had.
Loans for small businesses
Small business loans provide capital to help cover just about any business expense.
You have a variety of options to choose from, including working capital, term loans, business lines of credit and equipment loans, just to name a few.
Banks and credit unions are well-known places to get business loans. But eligibility requirements can be strict. Business owners with fair or bad credit will have better luck with online lenders, also known as fintech lenders and nonbanks. And for even more options, community-development financial institutions (CDFIs) and Minority Depository Institutions (MDIs) have a track record of helping minorities and other business owners in low-income communities who struggle to gain access to funds from traditional lenders.Credit cards for small business
Business credit cards are a great way to cover short-term business expenses. Like business lines of credit, you gain access to a pool of funds that you can repeatedly use up to your credit limit, and you’re only charged interest on the funds that you use.
Unlike small business loans, you have a chance to pay off your debt without any interest charges as long as the business credit card offers a grace period and you pay your balance in full each month. usiness credit cards also come with features not found with business loans. This may include free employee cards, cash back or travel rewards for purchases, and business-related perks.
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How to get a business loan from a bank
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How to get funding to start a business
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Types of bad credit business loans
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How long does it take to get a small business loan from a bank?
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