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
How Trump’s latest tariffs could impact small businesses
From car parts to avocados, here’s what’s being tariffed.
A loan officer shares his top tips for getting a business loan
A commercial banker shares his advice for getting approved.
Pros and cons of a business bank loan
Business bank loans can be great deals but they aren’t the best choice for all businesses.
Average cost of starting a small business
How much does it cost to open a small business? It depends on your industry.
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.
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Types of working capital loans
From lines of credit to SBA loans there are several types of working capital loans.
7 min read Jan 29, 2025 -
Where can I get an LLC loan?
Learn about the pros and cons of different types of LLC lenders.
5 min read Jan 29, 2025 -
When to consider a fast business loan
When you need immediate access to working capital, a fast busines loan may be the answer.
4 min read Jan 28, 2025 -
Your Burning Business Tax Questions, Answered by a CPA
From deductions to business expenses, we cover your most burning questions.
7 min read Jan 27, 2025 -
How to apply for a fast business loan
Follow these steps to help you get approved for a fast business loan.
6 min read Jan 23, 2025 -
Funding Black-owned businesses: Facts and statistics
Small businesses are a vital part of the American economy, and Black business owners have funding resources available to them.
8 min read Jan 23, 2025 -
48% of social media users have made impulse purchases: How social media is changing online shopping for small businesses
Social media helps small businesses reach potential customers, build brand awareness and understand customer needs.
8 min read Jan 23, 2025 -
What are business cash reserves and why are they necessary?
Cash reserves help your business stay afloat. Here’s how to build them.
5 min read Jan 23, 2025 -
Types of startup business loans
As a small business startup, finding the right funding is key to growth.
11 min read Jan 22, 2025 -
How much will semi-truck financing cost?
Interest rates, fees and down payment are just a few costs to prepare for.
7 min read Jan 21, 2025