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
Pros and cons of fast business loans
Fast business loans provide quick access to cash, but they’re not for everyone.
What documents are required for a business loan?
Gathering documents in advance can save you time when applying for a business loan.
Crowdfunding for business: The basics
Learn the types of crowdfunding you can do for your business.
How the Federal Reserve affects business loans
The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
Featured Small Business Savings content
What is a business money market savings account?
Business money market savings accounts allow companies to earn interest while still maintaining easy access to their money. Here’s what you need to know.
What are the best interest rates for a business savings account?
Small Business Savings
The best small business savings accounts offer interest on your balance, low minimum balances and convenience features that let you withdraw and deposit money quickly.
Sponsored Small Business Savings partner
Bankrate Rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.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.
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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How to manage an unsecured business loan
Follow these steps to pay off your unsecured business loan successfully.
7 min read May 01, 2025 -
How much will a short-term business loan cost?
Short-term loans are great for emergencies and seasonal changes but aren’t cheap.
5 min read May 01, 2025 -
How to manage a semi-truck business loan
Learn ways to manage your semi-truck loan and what to do if you can’t make payments.
8 min read Apr 30, 2025 -
How to get a small business loan when self employed
See which business loans work best when you’re self-employed and strategies to help you get approved.
9 min read Apr 30, 2025 -
How to manage a short-term business loan
Short-term business loans are a great way to get fast funding. Here are five tips for managing them.
5 min read Apr 29, 2025 -
How long does it take to receive an equipment loan?
The time it takes to get an equipment loan can vary on the lender. Here’s what you need to know.
4 min read Apr 28, 2025 -
How long does it take to get an unsecured business loan?
See how long the loan approval process takes for an unsecured business loan.
6 min read Apr 28, 2025 -
Where to get a business loan
You can get small business loans from banks, online lenders and even nonprofits.
5 min read Apr 25, 2025 -
How much will an equipment loan cost?
Learn the factors that go into the cost of an equipment loan and how each factor influences cost.
6 min read Apr 24, 2025 -
Is credit card interest tax-deductible?
Interest paid on outstanding student loan debt, mortgage and home equity loan debt, business expenses, and interest on money borrowed to purchase investment property qualifies for a deduction.
3 min read Apr 23, 2025