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
48% of small businesses don’t make it past 5 years: Here’s how your business can beat the odds
Almost half of U.S. small businesses fail within five years. Here’s how to beat the odds.
Types of small business loans offered at banks
There are several types of loans that small businesses can seek at banks to grow their business.
How to compare and work with invoice factoring companies
Four tips to help you find and work with an invoice factoring company.
48% of social media users have made impulse purchases: How social media is changing online shopping for small businesses
Social media helps small businesses reach potential customers, build brand awareness and understand customer needs.
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 manage a business loan: 6 tips
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What documents are required for bank business loans?
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What makes an LLC loan different than a regular small business loan?
LLC loans are just small business loans available to limited liability corporations.
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What is a merchant cash advance?
Learn what a merchant cash advance is and what fees and terms to expect.
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What is an unsecured business loan and how does it work?
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What is a fast business loan and how does it work?
A fast business loan can get you the funds you need in as little as a day.
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Business loan vs. line of credit
Learn the differences between business term loans and lines of credit and compare lenders that offer them.
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What is the best way to finance a semi truck?
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What is the difference between a fast business loan and a regular business loan?
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How hard is it to get an unsecured business loan?
Some unsecured loans are available to startups and business owners with bad credit.
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