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
Where can I get an LLC loan?
Learn about the pros and cons of different types of LLC lenders.
How to refinance a business loan: 6 steps
Learn how to refinance a business loan to save money or lower your monthly payment.
Small business financing: Your options
Finance your small business with loans, grants or crowdfunding.
Equipment leasing vs. financing
Equipment leasing and financing are two ways to ensure your business gets the equipment it needs.
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 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 Sep 09, 2024 -
Pros and cons of alternative business lending
Alternative business lending can help you get funded, but often at a higher cost.
5 min read Aug 30, 2024 -
The risks of financing a small business
Growing a small business typically requires financing. While necessary, there are risks when financing a small business that you should be aware of.
4 min read Jun 21, 2023 -
How to write a business plan
Here’s a breakdown of all of the elements included in a typical business plan and how you can write your own.
7 min read Jun 20, 2023 -
Are business grants taxable?
Business grants are usually taxable, but it depends on the grant type.
4 min read Jun 23, 2023 -
Equifax business credit report: What to know
Lenders may use an Equifax business credit report to assess your creditworthiness.
4 min read Jun 23, 2023 -
What is purchase order financing?
If your business takes purchase orders, see how you can use purchase order financing to cover cash flow gaps.
5 min read Jun 07, 2023 -
When to consider an equipment loan
Equipment is essential to growing and maintaining businesses. Here’s when to consider an equipment loan.
4 min read Jun 16, 2023 -
How much revenue do you need to get a business loan?
Annual revenue requirements vary by loan type and lender.
5 min read May 24, 2023 -
1099 vs. W-2 employee
Misclassifying a worker has consequences. Make sure you know the difference.
4 min read May 19, 2023