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Business credit cards
Compare the options across all
small-business credit cards.
Compare loans to help start or grow
your business or to manage cash flow.
Accept credit card and debit card payments at your business.
Lending and financing
Business loan and financing options
|Loan||Amount||APR||Term length||Time to funding||Collateral||This loan is best if …|
|Bank loan||$200K+||< 10%||7+ years||2-6 months||Required||Your business is established with strong cash flow, in operation two years and you have sterling credit.|
|Microloan (from a CDFI bank or microfinance institution)||$500 – $100K||8%-15%||1-5 years||1-3 months||Preferred, but not always required||You don’t qualify for a bank loan and need less than $100,000 in funding.|
|Online term loan||$15K – $500K||5.99% – 25.99%||1-5 years||2-14 days||Personal guarantee||You have excellent personal credit, your business doesn’t qualify for a bank loan and you’re willing to pay a slight premium over traditional loans for faster financing.|
|Factoring (accounts receivable financing)||85% of accounts receivable||Fee equivalent to 12% – 60% APR||1-3 months||A few days||Accounts receivable||Your business is established and you have reliable customers.|
|Revenue loan||$10K – $1M||15%-40%||1-3 years||About a month||None required||You can show strong expected future revenue, your business doesn’t qualify for bank loans or online term loans and you prefer to retain ownership and control of your company.|
|Cash flow loan||$200 – $100K||25%-90%||6-12 months||3 days||Personal guarantee||You’re a borrower with less than perfect credit and can pay the high interest rates.|
|Equipment financing||$5K – $5M||8%-25%||2-10 years||1-4 weeks||Equipment||You’re a business owner with good credit.|
|Merchant cash advance||$200 – $250K||70% – 350%||3-12 months||A week||None required||You’re a high-risk borrower, have tried all other options and came up empty.|
|Crowdfunding (No debt
|Equity crowdfunding||$50K – $5M||Equity||5+ years||3+ months||None required||Your business has the potential for strong growth and you can pitch the idea to would-be investors.|
|Reward crowdfunding||$1K – $100K||Reward||< 1.5 years||1-3 months||None required||Similar to equity crowdfunding.|