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
Pros and cons of bad credit business loans
Bad credit business loans are attractive, but they aren’t without disadvantages.
Alternatives to short-term business loans
Long-term business loans can have lower interest rates and larger borrowing amounts.
Where can I get semi-truck financing?
We’ll show you who is a good fit for loans from banks or online and direct lenders.
Credibly vs. Fora Financial: Which small business lender is right for you?
Credibly and Fora Financial are two of the top lenders for short-term business loans and both have relaxed credit requirements.
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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Is credit card interest tax-deductible?
Interest paid on outstanding student loan debt, mortgage and home equity loan debt, business expenses, and interest on money borrowed to purchase investment property qualifies for a deduction.
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How to get a business loan with no money
Options like microloans, business credit cards or crowdfunding can help.
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How to get a small business loan without collateral
If you need financing but don’t want to secure it with assets, this is for you.
10 min read Mar 31, 2024 -
Starting a family business: Business ideas and tips
Looking to start a family business? Here are ideas and tips to get started.
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How to get a short-term business loan
Bankrate explains how to get a short-term business loan in 5 steps.
5 min read Mar 28, 2024 -
Types of startup business loans
As a small business startup, finding the right funding is key to growth.
11 min read Apr 24, 2024 -
What is business loan refinance and when to do it
The best time to refinance a business loan is when you can qualify for loans at lower interest rates.
7 min read Mar 28, 2024 -
Types of unsecured business loans
There are options for many borrowers, including business owners with bad credit.
5 min read Apr 02, 2024 -
How to get an unsecured business loan
Follow these steps to improve your chances to get an unsecured business loan.
8 min read Mar 29, 2024