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
SBA microloans: What they are and how to get one
With an SBA microloan, you can borrow up to $50,000 to start or grow your business.
Secured vs. unsecured business line of credit
Secured and unsecured business lines of credit each offer advantages and drawbacks.
What is a DUNS number?
A DUNS number isn’t required for businesses, but it is essential for tracking business credit and applying for certain funding.
Hard money business loans: What to know
Startups or businesses with bad credit may want to consider hard money business loans. Learn what they are here.
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.
What's new
-
Pros and cons of working capital loans
Despite access to fast funding, there are drawbacks to working capital loans.
5 min read Apr 26, 2024 -
Alternatives to fast business loans
SBA loans, grants and crowdfunding are just a few alternatives worth considering.
7 min read Apr 26, 2024 -
Where can I get an LLC loan?
Learn about the pros and cons of different types of LLC lenders.
5 min read Apr 24, 2024 -
How to refinance a business loan: 6 steps
Learn how to refinance a business loan to save money or lower your monthly payment.
6 min read Apr 24, 2024 -
Small business financing: Your options
Finance your small business with loans, grants or crowdfunding.
7 min read Apr 23, 2024 -
Equipment leasing vs. financing
Equipment leasing and financing are two ways to ensure your business gets the equipment it needs.
6 min read Apr 23, 2024 -
What are current semi-truck financing interest rates?
See the average interest rates for semi-truck financing, broken down by different loans and lenders.
6 min read Apr 19, 2024 -
Where can I get an equipment loan?
Several lenders offer equipment loans, including banks, online lenders and equipment manufacturers.
6 min read Apr 19, 2024 -
How to start an Etsy business: Your complete guide
Etsy is a great platform for entrepreneurs, and it’s relatively easy to gain access to over 96 million buyers.
8 min read Apr 19, 2024 -
Crowdfunding for business: The basics
Learn the types of crowdfunding you can do for your business.
9 min read Apr 12, 2024