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
Elevated travel rewards designed to take you further
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.
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
-
What is a short-term business loan and how does it work?
Learn more about the fast financing options available to businesses.
4 min read Apr 21, 2023 -
Pros and cons of equipment loans
Equipment loans can be fast, flexible and include options to lease or own.
5 min read Apr 20, 2023 -
Can you get a small business loan after bankruptcy?
It will take time, but you can get a business loan after bankruptcy.
5 min read Apr 18, 2023 -
What is business loan default?
Learn more about it, including the consequences and steps to avoid going into default.
5 min read Apr 14, 2023 -
What is the difference between a fast business loan and a regular business loan?
Need help deciding between the two? Our guide can help.
4 min read Apr 10, 2023 -
Factor rate vs. interest rate for business loans
Factor rates and interest rates express the cost of repaying a loan in two different ways.
4 min read Apr 04, 2023 -
Small business loan fees
Some fees are unavoidable, but shopping around can help you avoid unnecessary ones.
5 min read Apr 03, 2023 -
A business owner’s guide to Small Business Saturday
Small Business Saturday encourages consumers to shop locally. Here’s how your business can get involved.
5 min read Nov 21, 2022 -
Small Business Saturday statistics in 2022
Here’s why 50% of Americans say they will shop on Small Business Saturday.
5 min read Nov 21, 2022 -
Cultural education isn’t all fun and games—but some of it is
Children’s toys have long lacked diversity. Dr. Bhasin is changing that.
4 min read Oct 14, 2022