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 much can you borrow with a startup business loan?
Learn how much you can borrow with startup loans, including SBA loans for startups.
What documents are required for a business line of credit?
Before you start applying for a business line of credit, gather these documents.
Documents you need for a startup business loan
Gather all the documents you need before applying for startup loans.
What is invoice financing?
Check out our guide to invoice financing and put your unpaid invoices to work.
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
-
How to get a secured business loan
Learn the steps involved with getting a secured business loan and what collateral you can use.
5 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 -
What can you use an unsecured business loan for?
Here are 8 ways an unsecured loan can help your business.
6 min read Nov 28, 2023 -
What is the SBA weekly lending report and how does it work?
Learn more about where most of the SBA 7(a) and 504 loans go.
7 min read Nov 22, 2023 -
Pros and cons of SBA loans
What are the SBA loans’ pros and cons? We’ve outlined the key points for you.
8 min read Nov 22, 2023 -
SBA loan statistics: Race and gender
Funding for these underrepresented groups remains a challenge.
8 min read Nov 22, 2023 -
11 grants for farmers
There are federal, state and private grants available for farms to support their growth and development.
11 min read Nov 22, 2023 -
Budding opportunities for Buddy’s Wine: Serving up unique wine and community engagement
Buddy’s Wine in Ventura, CA, is a new business dedicated to community engagement and support.
4 min read Nov 22, 2023 -
What happens if you default on a business loan?
We’ll show you ways to avoid business loan default and what to do if you can’t.
5 min read Nov 21, 2023 -
How to apply for an Employer Identification Number (EIN)
Applying for an EIN is an easy way to separate your business and personal finances. Here’s how.
4 min read Nov 21, 2023