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 a business line of credit and how does it work?
A business line of credit can help a small business owner cover short-term needs.
How much will a business line of credit cost?
The true cost of your line of credit will depend on rates, fees and repayment terms.
National Funding vs. Triton Capital: Which small business lender is right for you?
National Funding and Triton Capital are two online lenders that offer fast funding. Here’s how they compare for small business loans.
Pros and cons of a business bank loan
Business bank loans can be great deals but they aren’t the best choice for all businesses.
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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Can you collect unemployment benefits if you have a side business?
If you’re unemployed, some part-time work can reduce what benefits you collect.
5 min read Jun 29, 2023 -
Business loan agreement: What to know before signing
A business loan agreement is one document you’ll have to sign when getting a small business loan. Here’s what you need to know before signing.
6 min read Jun 22, 2023 -
SBA 7(a) vs. 504 loans
7(a) and 504 loans are some of the most popular funding from the SBA, but they both have pros and cons.
6 min read Jun 21, 2023 -
Pros and cons of alternative business lending
Alternative business lending can help you get funded, but often at a higher cost.
5 min read Jun 21, 2023 -
The risks of financing a small business
Growing a small business typically requires financing. While necessary, there are risks when financing a small business that you should be aware of.
4 min read Jun 21, 2023 -
How to write a business plan
Here’s a breakdown of all of the elements included in a typical business plan and how you can write your own.
7 min read Jun 20, 2023 -
Are business grants taxable?
Business grants are usually taxable, but it depends on the grant type.
4 min read Jun 15, 2023 -
Equifax business credit report: What to know
Lenders may use an Equifax business credit report to assess your creditworthiness.
4 min read Jun 09, 2023 -
What is purchase order financing?
If your business takes purchase orders, see how you can use purchase order financing to cover cash flow gaps.
5 min read Jun 07, 2023 -
When to consider an equipment loan
Equipment is essential to growing and maintaining businesses. Here’s when to consider an equipment loan.
4 min read Jun 07, 2023