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
Where to get a business loan
You can get small business loans from banks, online lenders and even nonprofits.
What is a short-term business loan and how does it work?
Short-term business loans are business loans with shorter repayment periods that can help bridge cash flow issues.
Secured vs. unsecured fast business loans
One type of business loan is more affordable but the other can be more convenient.
Working capital loan vs. small business loan
Learn more about this short-term loan and how it compares to other business loans.
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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Alternatives to getting a small business loan at a bank
A traditional bank isn’t your only option if your business needs financing.
7 min read May 24, 2024 -
How to manage a fast business loan
Managing a fast business loan includes prioritizing payments, paying the balance off early and refinancing.
3 min read May 24, 2024 -
How much will an LLC loan cost?
Many LLC loan costs are negotiable. Work with lenders to get the cheapest loan.
5 min read May 23, 2024 -
When to consider semi-truck financing
Business owners with bad credit or the lack of assets should consider getting semi-truck financing.
3 min read May 22, 2024 -
Alternatives to LLC loans
If your business is an LLC, there are a lot of financing options to choose from.
7 min read May 22, 2024 -
Secured vs. unsecured startup business loan
Startups are most likely to qualify for secured loans. They’ll also be less expensive.
6 min read May 16, 2024 -
How to manage an equipment loan
Find strategies to manage your equipment loan and what to do if you miss one or more repayments.
6 min read May 16, 2024 -
Documents you need to apply for fast business loans
Fast business lenders only ask for the most basic documents to assess your finances.
3 min read May 16, 2024 -
What is a startup business loan? How does it work?
Learn about the types of startup business loans and how they compare to other loans.
7 min read May 16, 2024 -
How long does it take to receive semi-truck financing?
Semi trucks can be a valuable asset for a growing small business. Here’s how long it’ll take to receive semi-truck financing.
3 min read May 16, 2024