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
Harris is calling for a $15 an hour minimum wage. Here’s what it means for small businesses
Harris promised to raise the federal minimum wage as well as end the subminimum wage for tipped workers.
SBA credit score requirements
The SBA itself doesn’t set personal credit score standards for loan approval.
What Kamala Harris’ inflation plans mean for small business
With inflation being a primary concern for both consumers and businesses, presidential candidate and current vice president Kamala Harris has promised to tackle high prices by banning price gouging by [...]
Average bad credit business loan interest rates
See the average interest rates for different bad credit business 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
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
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Study: Racial biases continue to impact loan approvals for minority business owners
This shows the struggle minority business owners face to gain access to capital.
7 min read Jul 05, 2023 -
What is debt financing and is it right for your business?
Debt financing is a popular way to fund small businesses, but it might not be the right option for every business.
4 min read Jul 03, 2023 -
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 -
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 -
Equifax business credit report: What to know
Lenders may use an Equifax business credit report to assess your creditworthiness.
6 min read Jun 09, 2023 -
How to qualify for an unsecured business line of credit
Getting approved for a line of credit depends on a business’s credit and finances.
6 min read May 09, 2023 -
Small Business Saturday statistics in 2022
Here’s why 50% of Americans say they will shop on Small Business Saturday.
5 min read Nov 21, 2022 -
Cultural education isn’t all fun and games—but some of it is
Children’s toys have long lacked diversity. Dr. Bhasin is changing that.
4 min read Oct 14, 2022 -
Amex Business Platinum gets new benefits, higher annual fee
The Business Platinum Card from American Express will now have a higher annual fee of $695, up from $595, along with more benefits like card perks and statement credits. The new annual fee of $695 starts [...]
2 min read Oct 15, 2021 -
Guide to Venmo for business
If you’re thinking of setting up a Venmo business account, here’s what you need to know.
3 min read Sep 04, 2020