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
Alternatives to short-term business loans
Long-term business loans can have lower interest rates and larger borrowing amounts.
SBA Express loan: What it is and how to apply
If you’re looking for a faster SBA option, learn more about the SBA Express loan.
How small businesses can attract more customers this holiday season
Budget-conscious holiday shoppers need extra care this season. Here’s how.
How to buy a business: Everything you need to know
Buying a business can give you a leg up as a business owner over starting fresh.
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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How to apply for a working capital loan
Follow these steps when applying for working capital loans.
6 min read Oct 29, 2024 -
Types of business lines of credit
Business lines of credit let you use available credit recurringly, and they come in two forms.
9 min read Oct 29, 2024 -
Capital One Spark Cash Plus benefits guide
Discover the benefits of the Capital One Spark Cash Plus card.
4 min read Oct 29, 2024 -
Trump thinks aggressive tariffs will help small businesses. Will they really work?
Trump’s tariff policy could be a mixed bag for businesses. Here’s how.
3 min read Oct 29, 2024 -
The Harris-Walz campaign has a lot of plans for small businesses. Will they really help?
Here’s what the Harris campaign has planned for small businesses.
4 min read Oct 28, 2024 -
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.
2 min read Oct 25, 2024 -
Types of unsecured business loans
There are options for many borrowers, including business owners with bad credit.
6 min read Oct 25, 2024 -
Is the Amex Blue Business Cash Card worth it?
The Amex Blue Business Cash is a great fit for small businesses looking for a straightforward cash back credit card.
5 min read Oct 25, 2024 -
SBA credit score requirements
The SBA itself doesn’t set personal credit score standards for loan approval.
5 min read Oct 24, 2024 -
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 [...]
2 min read Oct 24, 2024