A business line of credit is a great way to smooth your business’ operational expenses, including seasonal costs and one-time expenses. If you need a bigger amount of additional working capital, you’ll also need a higher credit line. We spoke with the experts who shared the different ways to increase your business line of credit….
Have a great business idea and need some additional capital to get it off the ground? In this section you'll find all our startup financing articles from using personal funds to start a business to the 9 best small business startup financing options.
Startup Financing Articles
SBA & Bank Loans
If you have a good personal credit score, have been in business for more than 2 years profitably, and can wait several months for funds, SBA loans or other types of bank loans are generally your lowest cost option.
Alternative Business Loans
Don't meet the strict requirements, or need money faster without all the paperwork? An alternative business loan may be the right option for you. Learn about all the different types of alternative business loans here.
Commercial Real Estate Loans
Need funds to purchase an office building, retail location, or investment property? Here you can learn about all your commercial real estate loan options.
All Financing Articles
The best business credit cards for new businesses offer some mix of introductory and ongoing rewards, low or no annual fees, interest-free financing for at least a year on purchases, and balance transfers. We compared new business credit cards to identify the seven cards that offer the best combination of features that benefit young firms….
It can be difficult to secure business financing if your credit isn’t good, but a handful of small business credit cards for fair credit offer competitive APRs, low or no annual fees, and even rewards programs. We compared business credit cards to identify the five cards best for owners with a credit score under 670….
With credit card stacking, multiple credit cards act together as an unsecured business line of credit. With typical annual fees of $50 to $100 and APRs of 15 percent to 25 percent, this is relatively inexpensive. Business owners with credit scores of 680+ can use credit card stacking as an alternative working capital funding source….
Small businesses need to build their business credit because lenders and suppliers use your business credit score to determine your creditworthiness. Businesses with higher credit scores are more likely to get approved for credit with the best terms. We spoke with the experts who shared different tips to increase business credit for your business. The…
Finding a small business loan is often a necessity during the growth of your business, but it can be difficult to find a loan you qualify for. The four basic steps for getting a small business loan involve evaluating your loan options, determining your eligibility, finding the right lender and applying for the right loan….
There are three primary types of SBA loans: SBA 7A Loans, SBA Express Loans, and CDC/504 Loans. SBA 7A loans and SBA Express loans can be used for a wide variety of purposes, including growth capital and refinancing. CDC/504 loans, on the other hand, are specifically for the purchase of fixed assets like real estate…
Commercial real estate loan rates remain at near all time lows, making now a great time for small business owners to purchase or refinance commercial property. A variety of different lenders make commercial real estate loans. This article covers how commercial real estate loan rates work and the interest rates that different types of lenders…
Right now the SBA is considering a new rule that would reduce existing fee caps by 50% for some loan facilitators, including referral and packaging services. While lower fees might sound like a good idea, it’s important to remember that those loan facilitators can be crucial to connecting small businesses in need of credit to…
The Small Business Administration (SBA) loan requirements determine your eligibility and are focused on the characteristics of you and your business. Borrowers need to operate small for-profit businesses located in the United States. Most businesses will qualify for an SBA loan with a 680 or higher credit score, a maximum debt-to-equity ratio of three or…
Small Business Administration (SBA) CAPLines provide small businesses with affordable financing up to $5 million for recurring cash flow needs. With an SBA CAPLine, or SBA line of credit, interest rates are typically around 5 to 10 percent. Plus, you can use an SBA line of credit repeatedly as it’s repaid. You can expect funding…
We compared the costs, terms and features of BlueVine vs. Fundbox to determine who provides the best short-term financing. Fundbox is great for business with unpaid invoices needing a simple line of credit (LOC) up to $100,000. BlueVine is better if you need a LOC up to $250,000 or have business-to-business (B2B) invoices and need up…