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
When to consider a short-term business loan
From emergencies to seasonal cash flow issues, short-term business loans may offer relief.
Pros and cons of equipment loans
Equipment loans can be fast, flexible and include options to lease or own.
Documents you’ll need to apply for an unsecured business loan
Have your documents, like bank statements, ready when you apply for an unsecured business loan.
What happens if you don’t pay an unsecured business loan?
Defaulting on an unsecured business loan can have serious consequences.
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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Fundible vs. Credibly: Which small business lender is right for you?
Fundible and Credibly offer a variety of small business loans to meet short- and long-term needs. Learn which is best for your business here.
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Business loans remain hard to get in 2023: Where to turn for help
The Federal Reserve’s decision to raise interest rates has made it more expensive and difficult for businesses to get loans. But there are still options available.
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Do all banks offer small business loans?
Most banks include business loans among their products.
5 min read Oct 10, 2023 -
Live Oak vs. U.S. Bank : Which small business lender is right for you?
Live Oak Bank and U.S. Bank both offer various small business loans. Live Oak excels in SBA loans, and U.S. Bank stands out for its fast business loan option and robust equipment loan.
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Capital One Spark Cash Plus vs. American Express Blue Business Cash
The Capital One Spark Cash Plus and Amex Blue Business Cash are great business credit card options. Find out the best pick for your small business.
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Pros and cons of crowdfunding for business
Crowdfunding allows you to raise funds for your business without traditional lenders.
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Fundible vs. SMB Compass: Which small business lender is right for you?
Fundible and SMB Compass are both viable options for small business loans. Fundible has lower credit score requirements, while SMB Compass offers loan amounts of up to $10 million with competitive interest [...]
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Farm loans
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What is a business credit score and how does it work?
Your business’ credit score reflects its creditworthiness and iIt can be improved.
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How to apply for semi-truck financing
These steps can get you ready for a quick and smooth application process.
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