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
Types of equipment financing
Options include term loans, business lines of credit and even SBA loans.
What is a business line of credit and how does it work?
A business line of credit can help a small business owner cover short-term needs.
Do you need a business checking account for a small business loan?
A business checking account may be required to get a business loan. Learn the differences between a business and personal checking account, the documents needed, and how to find the best account to suit [...]
SBA vs. conventional loan: What you need to know
Here’s how to determine which of these loan types is right for your business.
Featured Small Business Savings content
What is a business money market savings account?
Business money market savings accounts allow companies to earn interest while still maintaining easy access to their money. Here’s what you need to know.
What are the best interest rates for a business savings account?
Small Business Savings
The best small business savings accounts offer interest on your balance, low minimum balances and convenience features that let you withdraw and deposit money quickly.
Sponsored Small Business Savings partner
Bankrate Rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.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.
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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Should your business use buy now, pay later financing?
Buy now, pay later financing isn’t just for consumers, businesses can also consider it for their business financing needs.
5 min read Jan 08, 2024 -
What are the 5 C’s of credit?
The 5 c’s of credit are often what banks and other lenders use to evaluate a business’s creditworthiness.
5 min read Jan 08, 2024 -
What is a bridge loan for small business?
Small business bridge loans can help businesses with short-term cash flow issues, but aren’t a long term financing option.
5 min read Dec 28, 2023 -
How to finance a small business for the holidays
There are several small business financing options for the holidays, but you’ll need to budget and plan to find the right fit.
7 min read Nov 29, 2023 -
How to write off repayment of a business loan
You can’t write off the loan, but you may be able to deduct interest paid.
5 min read Nov 29, 2023 -
SBA loan statistics: Race and gender
Funding for these underrepresented groups remains a challenge.
8 min read Nov 22, 2023 -
Do you need a down payment for a business loan?
Down payments are required for some business loans, but not all. Here are the business loans that do and don’t require down payments.
5 min read Nov 21, 2023 -
The best and worst states for SBA 7(a) loans in 2023
The most populous states tend to get the most SBA funding.
8 min read Nov 20, 2023 -
Best small business loans for under $5,000
Small business loans of $5,000 or less can provide a much-needed boost to entrepreneurs with limited resources.
8 min read Nov 07, 2023 -
Best banks for nonprofits in 2025
These banks are good choices for nonprofits. Here’s how to find one that serves your organization well
5 min read Oct 31, 2023