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
Alternatives to short-term business loans
Long-term business loans can have lower interest rates and larger borrowing amounts.
Where can I get semi-truck financing?
We’ll show you who is a good fit for loans from banks or online and direct lenders.
Is a small business loan secured or unsecured?
Small business loans can be either secured or unsecured.
What documents are required for a business line of credit?
Before you start applying for a business line of credit, gather these documents.
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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Business loan prepayment penalties: What are they?
While not every business loan charges prepayment penalties, you may see them on certain SBA and commercial real estate loans.
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Kiva vs. Accion: Which small business lender is right for you?
Kiva and Accion help startups and underserved communities. Which one is right for you?
5 min read Jul 18, 2023 -
What is SBA Form 1920?
Lenders complete SBA Form 1920 with information from borrowers for 7(a) loan applications.
5 min read Jul 12, 2023 -
Do you need hazard insurance for an SBA loan?
Find out when you need hazard insurance and which SBA business loans require them.
4 min read Jul 12, 2023 -
What is an SBA disaster loan?
An SBA disaster loan is available to businesses, homeowners and renters who are facing economic hardships in a declared disaster zone.
4 min read Jul 11, 2023 -
What is a business loan agreement?
A business loan agreement is a document you’ll receive from a lender that requires your signature and explains your loan’s terms and conditions.
3 min read Jul 10, 2023 -
How to fill out SBA Form 413
Filling out SBA Form 413 is required for most SBA loans and details your business and personal finances.
5 min read Jul 10, 2023 -
What is invoice financing?
Check out our guide to invoice financing and put your unpaid invoices to work.
6 min read Jul 06, 2023 -
SBA 504 loans: How to qualify and apply
Long-term, fixed financing for assets. Learn more about SBA 504 loans.
5 min read Jul 05, 2023 -
What is a business loan broker?
A business loan broker can make the process of applying for and getting a small business loan less stressful, ensuring you get the right loan for your business’s needs.
5 min read Jul 05, 2023