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 to get an SBA startup loan
Interested in applying for an SBA startup loan? Here’s how.
18 business startup ideas to try in 2024
We’ve got the best small business ideas to help you start making more cash quickly.
Business loan personal guarantee: Read this before signing
Personal guarantees require a person to take responsibility if a business defaults.
Best merchant cash advances
Here are some of the best merchant cash advances to consider for your small business.
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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SBA Community Advantage loan: How to qualify and apply
Learn more about this SBA loan for underserved communities.
5 min read Jul 05, 2023 -
Study: Racial biases continue to impact loan approvals for minority business owners
This shows the struggle minority business owners face to gain access to capital.
7 min read Jul 05, 2023 -
What is a business loan proposal?
A business loan proposal is often an essential part of a small business loan application, explaining to lenders what you plan to use the funds for.
4 min read Jul 03, 2023 -
SBA loan collateral vs. guarantee
A personal guarantee or collateral may be required for SBA loans. Learn the differences and requirements here.
4 min read Jul 03, 2023 -
What is debt financing and is it right for your business?
Debt financing is a popular way to fund small businesses, but it might not be the right option for every business.
4 min read Jul 03, 2023 -
Debt vs. equity financing
Debt financing and equity financing are two types of funding options available to small businesses.
6 min read Jul 03, 2023 -
Business loan agreement: What to know before signing
A business loan agreement is one document you’ll have to sign when getting a small business loan. Here’s what you need to know before signing.
6 min read Jun 22, 2023 -
SBA Express loan: Requirements and application
An SBA Express loan is the fastest loan the SBA offers. If you’re looking for a faster funding option, learn the requirements and how to apply.
5 min read Jun 22, 2023 -
SBA 7(a) vs. 504 loans
7(a) and 504 loans are some of the most popular funding from the SBA, but they both have pros and cons.
6 min read Jun 21, 2023 -
Pros and cons of alternative business lending
Alternative business lending can help you get funded, but often at a higher cost.
5 min read Jun 21, 2023