CREDIT CARDS & LOANS FOR SMALL BUSINESS IN 2024

Make your business more effective with a business credit card! Business credit card can help you save on business expenses and get perks that include: zero annual fee, and 0% intro APR on purchases. Some of these cards as well as loans are ideal for entrepreneurs with good-to-excellent credit, as well as for those with fair credit.

October 2024: TOP SMALL BUSINESS CREDIT OFFER

5
Card Overall Rating
Excellent / Good Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
0%
Annual Fee
$0
  • Save an average of 5% by spending less time and money across your entire business298.
  • A charge card powered by the Visa network.
  • No fees of any kind.

More Small Business Credit Offers

5
Loan Overall Rating
  • Find your best loan offer from competing lenders
  • Loans up to $5M. Rates from 4.99%
  • Checking rates won't affect your credit score
Checking Account Required
Yes
Maximum Loan Amount
$5,000,000
Minimum Loan Amount
$5,000
Employment Required
No
5
Loan Overall Rating
Excellent/Good/Fair/Bad Credit
  • Access up to $600,000 in funding
  • Term: 3 to 24 months
  • Factor rates as low as 1.11
  • Get approved in as fast as 4 hours
  • Prequalify online
  • Get funding in as little as 24 hours from approval
  • You don’t need a perfect credit score to get funding with Credibly
  • Credibly offers a human touch to financing and a great customer experience
  • Wide range of products to service the needs of small business owners
Checking Account Required
Yes
Maximum Loan Amount
$600,000
Minimum Loan Amount
$5,000
Employment Required
Yes

This offer is not available in Michigan.

4
Card Overall Rating
  • No annual fee and no draw fee
  • Includes flex line, similar to a line of credit and only pay for what you use
  • Access cash on demand with funds deposited straight into your bank account
  • Fast and easy application process - apply online and receive a funding decision in as little as an hour
  • Approvals based on your business revenue and not personal credit
  • As your revenue increases, spending limits also increase
  • Access to business credit tools - Revenued reports to D&B to help build your business credit
  • Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
  • Rated Excellent on Trustpilot with 600+ reviews

This offer is not available in Michigan.

Intro APR on Purchases
Factor based
Intro APR on Balance Transfers
N/A
Ongoing APR
N/A
Annual Fee
$0
4
Loan Overall Rating
  • Get the Funding Your Business Needs to Grow.
  • Quick and easy application process.
  • Funding in as little as 24 hours.
  • No collateral or personal guarantees required.
  • Affordable repayment terms that fit your budget.
  • Dedicated support from our funding experts.
Checking Account Required
Yes
Maximum Loan Amount
$5,000,000
Minimum Loan Amount
$5,000
Employment Required
Yes

This offer is not available in AR, CT, GA, NY, VT, WV.

5
Loan Overall Rating
  • Need Cash? Get up to $35,000
  • Installment loans for you!
  • Personal Loans Online - All Credit Types Considered
  • Connect with a Lender who understands your Financial needs!
  • See cash in your account as soon as the next business day

This offer is not available in AR, CT, GA, NY, VT, WV.

Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$500
Employment Required
Yes
5
Loan Overall Rating
Limited / No Credit
  • Choose a plan to build credit and savings at the same time!
  • Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus*.
  • Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No

Business Credit Cards

Many business owners believe that a company credit card will encourage frivolous spending or that they will not be eligible for a credit card because of the small size of their organization or lack of annual revenue. The truth is having a business credit card is an excellent way to monitor your company spending and rake in the rewards for recurring purchases like travel and hotels. Here are some tips to ensure a smooth application process and getting the offer that meets your business needs.

  • Accounting advantage. Whether your business is big, mid-sized or a sole proprietorship, a company credit card can simplify your bookkeeping. Money to save. There are numerous incentives for good credit card holders who invest in a business credit card including the best rates, fees, and rewards.
  • Fair Credit can get it too. Fair credit consumers applying for a business credit card may have to opt for a secured credit which requires deposit.
  • Small Businesses advantage. Are you a sole proprietor but think you will be denied a business credit card because your staff is too small? Truth be told, 75% of business owners are small business owners, with no employees! The trouble is that many small business owners do not have a company credit card and instead use personal credit cards for business related expenses. Credit card companies and banks are aware of the prevalence of sole proprietors, so they have credit cards that cater to the unique needs of these businesses.

GET YOUR OFFER MATCH
Get matched to suitable credit offers!
It takes less than
1 minute
Will not affect your
credit score
Select your credit score:
Have your ever declared Bankruptcy?
Which active bank accounts Do you have?
Debit Card
Credit Card
This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
Business credit cards are different from normal credit cards in that they have additional features and benefits that suit small businesses and in fact are helpful in quite a number of ways too. By using these business credit cards the right way,...
You can try applying for a personal loan to fund your business. Use our card match tool to see which loans and credit cards you can apply. Note that you may need a bank account to apply for some credit offers, so make sure you have one....
When you submit an application for a small business credit card, issuing bank reviews both your personal and business credit histories. To determine if they want to approve you for a credit card and what terms to qualify you for, they will pull both...
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