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.
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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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What documents are required to apply for a short-term business loan?
Have the following list of documents ready for a smooth application process.
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First-time small business loan: 6 things to know
Using these six steps can help you get a first-time business loan.
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Average cost of starting a small business
How much does it cost to open a small business? It depends on your industry.
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Best grants for Indigenous business owners
Indigenous-owned businesses have access to grants and resources that can help grow and support them. Learn about the best ones here.
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How to manage an LLC loan
Follow these steps to make sure you successfully manage your LLC loan.
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Best grants for LGTBQ+ business owners
Different types of resources and grants are available to LGTBQ+ business owners. Here’s all you need to know.
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Alternatives to LLC loans
If your business is an LLC, there are a lot of financing options to choose from.
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Are business loans harder to get than personal loans?
With the rise of online lenders offering streamlined application processes and more relaxed criteria, getting a small business loan can be just as easy as getting a personal loan.
5 min read Oct 20, 2023 -
How social media is changing online shopping for small businesses
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Best low-interest business loans for bad credit
Business owners with bad credit can still access low-interest loans through options like the Small Business Administration (SBA) or lenders like Accion Opportunity Fund.
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