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
Small business financing: Your options
Finance your small business with loans, grants or crowdfunding.
Equipment leasing vs. financing
Equipment leasing and financing are two ways to ensure your business gets the equipment it needs.
What are current semi-truck financing interest rates?
See the average interest rates for semi-truck financing, broken down by different loans and lenders.
Where can I get an equipment loan?
Several lenders offer equipment loans, including banks, online lenders and equipment manufacturers.
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 secured business loan
Learn the steps involved with getting a secured business loan and what collateral you can use.
5 min read Nov 29, 2023 -
How to write off repayment of a business loan
You can’t write off the loan, but you may be able to deduct interest paid.
5 min read Nov 29, 2023 -
How much will a short-term business loan cost?
Short-term loans are great for emergencies and seasonal changes but aren’t cheap.
6 min read Nov 28, 2023 -
What can you use an unsecured business loan for?
Here are 8 ways an unsecured loan can help your business.
6 min read Nov 28, 2023 -
What is the SBA weekly lending report and how does it work?
Learn more about where most of the SBA 7(a) and 504 loans go.
7 min read Nov 22, 2023 -
Pros and cons of SBA loans
What are the SBA loans’ pros and cons? We’ve outlined the key points for you.
8 min read Nov 22, 2023 -
SBA loan statistics: Top lenders
Discover the best SBA lenders for 7(a), 504 and Community Advantage loans. Learn requirements and find lenders that accept startups and bad credit.
6 min read Nov 22, 2023 -
SBA loan statistics: Race and gender
Funding for these underrepresented groups remains a challenge.
8 min read Nov 22, 2023 -
11 grants for farmers
There are federal, state and private grants available for farms to support their growth and development.
11 min read Nov 22, 2023 -
Budding opportunities for Buddy’s Wine: Serving up unique wine and community engagement
Buddy’s Wine in Ventura, CA, is a new business dedicated to community engagement and support.
4 min read Nov 22, 2023