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
Business loan requirements: 8 things you will need
Common business loan requirements you need to know before you submit an application.
Alternatives to a semi-truck loan
Options for semi-truck financing include term loans, lines of credit and SBA loans.
Pros and cons of unsecured business loans
Loans without collateral can be quick but more expensive than secured loans.
How can you use a short-term business loan?
Learn how to use a short-term business loan for your small business funding 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.
What's new
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How to get a business credit card with bad personal credit
If you have a lower credit score, a business card isn’t necessarily out of reach.
10 min read Jun 26, 2024 -
Guide to corporate credit cards
When should you consider before getting a corporate credit card?
6 min read Jun 25, 2024 -
How to get a business credit card
A business card can help you keep your personal and business finances separate.
5 min read Jun 19, 2024 -
Where to get a bad credit business loan
A business loan is possible even if you have bad credit. Here’s where to look.
8 min read Jun 18, 2024 -
Pros and cons of equipment loans
Equipment loans can be fast, flexible and include options to lease or own.
4 min read Jun 18, 2024 -
What is an equipment loan and how does it work?
An equipment loan helps businesses purchase equipment without paying the total amount upfront.
4 min read Jun 18, 2024 -
How does my business credit card impact my personal credit score?
A business credit card could impact your personal credit.
6 min read Jun 17, 2024 -
Pros and cons of bad credit business loans
Bad credit business loans are attractive, but they aren’t without disadvantages.
8 min read Jun 14, 2024 -
Alternatives to short-term business loans
Long-term business loans can have lower interest rates and larger borrowing amounts.
4 min read Jun 14, 2024 -
Average business line of credit interest rates
Interest rates for business lines of credit can range from 8% to 60% or higher.
8 min read Jun 14, 2024