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
What is an equipment loan and how does it work?
An equipment loan helps businesses purchase equipment without paying the total amount upfront.
What are small business loans and how do they work?
A small business loan is money borrowed from a lender that must be repaid with interest.
Pros and cons of bad credit business loans
Bad credit business loans are attractive, but they aren’t without disadvantages.
Alternatives to unsecured business loans
Secured business loans may be cheaper and more accessible than unsecured loans.
Featured Small Business Savings content
What is a business money market savings account?
Business money market savings accounts allow companies to earn interest while still maintaining easy access to their money. Here’s what you need to know.
What are the best interest rates for a business savings account?

Small Business Savings
The best small business savings accounts offer interest on your balance, low minimum balances and convenience features that let you withdraw and deposit money quickly.
Sponsored Small Business Savings partner

Bankrate Rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.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.
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
-
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 -
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 -
How to apply for an Employer Identification Number (EIN)
Applying for an EIN is an easy way to separate your business and personal finances. Here’s how.
4 min read Nov 21, 2023 -
The best and worst states for SBA 7(a) loans in 2023
The most populous states tend to get the most SBA funding.
8 min read Nov 20, 2023 -
Small business statistics in 2023
Small businesses are vital to the economy, making up a large part of the workforce.
7 min read Nov 15, 2023 -
Small Business Saturday: Indie bookstore opens during the pandemic, then thrives
Timbre Books in Venture, CA, opened during the COVID-19 pandemic but continues to thrive due to community support.
5 min read Nov 15, 2023 -
What is Small Business Saturday?
Small Business Saturday is a popular shopping event that falls between Black Friday and Cyber Monday, aimed at encouraging shoppers to support local and small businesses.
6 min read Nov 14, 2023 -
Small Business Saturday: Supporting women-owned businesses that give back
Small Business Saturday is a great time to support women-owned businesses as many continuously give back to their communities, even while facing challenges.
6 min read Nov 14, 2023