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
Average business loan interest rates in 2024
The average business loan interest rates vary by loan type and lender.
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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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Funding Black-owned businesses: Facts and statistics
Small businesses are a vital part of the American economy, and Black business owners have funding resources available to them.
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Pros and cons of business acquisition loans
Business acquisition loans can help business owners acquire a new business, but there are pros and cons.
7 min read Feb 29, 2024 -
What documents are required to apply for an LLC loan?
Prepare these documents when applying for an LLC loan.
4 min read Feb 29, 2024 -
Can you get no-credit-check business loans?
Some online lenders may offer some type of no-credit-check business financing.
9 min read Feb 29, 2024 -
Average bad credit business loan interest rates
See the average interest rates for different bad credit business loans.
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When to consider digital payments as a small business
Accepting digital payments as a small business can help increase revenue and customer satisfaction.
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15 of the most profitable businesses in 2023
The most profitable small businesses of 2023 can help you decide what industry to start your small business in.
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Pros and cons of startup business loans
Learn more about startup business loans to see if they’re right for you.
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SBA loan denied: What to do next
Being denied for SBA financing is stressful, but you have the option of reapplying or looking at other financing options.
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Best business acquisition loans
A business acquisition loan can help small businesses expand, and we’ve rounded up six of the best lenders.
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