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
Pros and cons of working capital loans
Despite access to fast funding, there are drawbacks to working capital loans.
Alternatives to fast business loans
SBA loans, grants and crowdfunding are just a few alternatives worth considering.
Where can I get an LLC loan?
Learn about the pros and cons of different types of LLC lenders.
How to refinance a business loan: 6 steps
Learn how to refinance a business loan to save money or lower your monthly payment.
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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Small business loan fees
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SBA loan statistics: Top SBA lenders by state
Here are the top SBA lenders by state for the 2023 fiscal year.
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Small business bankruptcies on the rise
Based on recent data for 2023, small business bankruptcies are on the rise.
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How much does the average small business owner make?
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Support small businesses goes beyond Small Business Saturday and the holiday shopping season. Here’s why you should shop small throughout the year.
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What is an entrepreneur and how to become one
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How to finance a small business for the holidays
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Hispanic small business owners statistics
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Debt-service coverage ratio: What is it and how do you calculate it?
A business’s DSCR indicates how well its cash flow covers its debts.
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