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
Rollovers as business startups (ROBS): What they are and how they work
Rollovers for business startups (ROBS) transactions are a tax-free way to start a business, but they are complicated.
Average business loan interest rates in 2025
The average business loan interest rates vary by loan type and lender.
Pros and cons of working capital loans
Despite access to fast funding, there are drawbacks to working capital loans.
Business loan vs. line of credit
Learn the differences between business term loans and lines of credit and compare lenders that offer them.
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.
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SBA definition of a small business
To qualify for certain types of funding and SBA loans and resources, you must meet the U.S. Small Business Administration’s definition of a small business.
5 min read Oct 08, 2024 -
What is a business debt schedule?
A business debt schedule can help you manage your long-term business debts.
5 min read Sep 26, 2024 -
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 -
SBA microloans: What they are and how to get one
With an SBA microloan, you can borrow up to $50,000 to start or grow your business.
5 min read Aug 23, 2024 -
What is a DUNS number?
A DUNS number isn’t required for businesses, but it is essential for tracking business credit and applying for certain funding.
3 min read Aug 19, 2024 -
Hard money business loans: What to know
Startups or businesses with bad credit may want to consider hard money business loans. Learn what they are here.
4 min read Aug 16, 2024 -
Best banks for startups in 2024
Our list consists of FDIC-insured banks offering product suites ideal for startups.
6 min read Aug 01, 2024 -
Do you need hazard insurance for an SBA loan?
Find out when you need hazard insurance and which SBA business loans require them.
4 min read Jul 19, 2024 -
How hard is it to get a business loan?
The difficulty of getting a business loan depends on your company’s financial health and business history.
6 min read Apr 09, 2024 -
How to get funding to start a business
Bootstrapping and business loans are just two ways to get a business up and running.
10 min read Mar 08, 2024