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CREDIT CARDS & LOANS FOR SMALL BUSINESS IN 2023
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.
December 2023: TOP SMALL BUSINESS CREDIT OFFER
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Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
0%
Annual Fee
$0
- Unlimited 1.5% cash back.
- Easy-to-use cards, spend limits, approval flows, vendor payments, and more — plus an average savings of 5%298.
- A charge card powered by the Visa network.
More Small Business Credit Offers
- Fast Funding for Business Owners.
- Get $25,000 - $500,000 in as little as 2 days.293
- Apply online for free.
- No prepayment penalty.
- Personal 1-on-1 Support.
- Term lengths up to 84 months.
Checking Account Required
Yes
Maximum Loan Amount
$500,000
Minimum Loan Amount
$25,000
Employment Required
Yes
- Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac.
- Get $750 in Bonus Earnings to redeem with GM when you spend $5,000 in your first 5 months.
- 5% Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers.
- 3% Earnings on purchases at gas stations, restaurants and office supply stores. 1% Earnings on all other purchases.
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.
- 0% Intro APR on purchases for the first 12 months; thereafter, variable APR of 19.24% to 29.24%.
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms Apply. Subject to credit approval.
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
Annual Fee
None
- Join the 320,000 businesses who've been funded through Lendio.
- Compare options, choose your loan, and get funded.
- Find the loan type best fitted for your business.
- 15-min Application. Timely Funds. No Cost to Apply.
Checking Account Required
Yes
Maximum Loan Amount
Over $1M
Minimum Loan Amount
See terms
Employment Required
Yes
- Find Financing for Your Business
- Low down payments
- Long payment terms
- Reasonable interest rates
- Suitable for a wide range of business purposes
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
Yes
- Financing options for your business’s needs.
- Low rates. Flexible terms. Streamlined process.
- Get approved today and have money in your account within as little as 24 hours.
- No obligation - prequalify without affecting your credit!
Checking Account Required
Yes
Maximum Loan Amount
$10,000,000
Minimum Loan Amount
$10,000
Employment Required
Yes
This offer is not available in Michigan.
- Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 3% cash back on every single card purchase. All categories apply.
- The card that cares less about your credit score and more about your business.
- Includes the Revenued Flex Line.
- A flexible line and business card bundled in one.
- No annual, application, or draw fees.
- Terms apply.
- Spending limit determined by cash flow of your business and other factors.
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
- 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
- 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.
- 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
$100
Employment Required
Yes
- 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, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% 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.
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...
Have a Question About Credit Cards?
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