Business credit cards with no annual fee are best for startups and owners concerned about keeping card costs low. The best cards pay up to 5% in rewards and have ongoing APRs starting at 10.99%. Some business credit cards charge annual fees up to $495, but high fees don’t always mean a better card. Business…
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
Qualifying for a business loan as a startup can be difficult. Entrepreneurs often need to utilize multiple financing sources to get their new startup off the ground. Startup business loans can take many forms, including SBA loans, angel investment, or Rollovers for Business Startups (ROBS), and each is unique in what they offer to startups….
Businesses that need equipment have several equipment financing methods to choose from, including equipment loans and equipment leases, Small Business Administration (SBA)-backed loans, unsecured term loans, and lines of credit. We analyzed more than 20 providers and to create our list of the top six equipment financing companies. Top 6 Equipment Financing Companies 2019 How…
A UCC lien filing, or UCC filing, is a notice lenders file when a business owner takes a loan against an asset. A UCC filing gives lenders a claim on assets a debtor pledges as collateral. The term originates from the Uniform Commercial Code (UCC), a set of rules governing commercial transactions. Strong borrowers may…
A business succession plan includes step-by-step instructions that establish procedures in the event a business owner or key employee leaves the business. Our succession planning template helps business owners as they answer questions like who will take over the business, how long will it take, and what standard operating procedures need to be passed on….
Equipment loans help businesses finance equipment such as vehicles and heavy machinery and are secured by the asset being financed. Equipment loans are available from a variety of providers, including traditional banks and alternative lenders. Rates typically range from 6% to 9%, depending on qualifications, and lenders generally charge origination fees between 1% and 3%….
Business auto loans offer companies the opportunity to finance vehicles to complete a job, transport employees, and bring customers to their business. Traditional and online lenders offer commercial auto loans with varying minimum requirements, repayment terms, and funding amounts. We conducted an auto loan comparison based on these criteria and selected seven top options. Top…
Most people need a loan to buy a business. Borrowers should expect a down payment starting at 10%, interest between 5% and 10%, and terms between three and 25 years. Most loans have underwriting or closing costs, and borrowers should expect to pay on average 2% to 3% of the total loan amount at closing….
Apple business financing is an equipment lease that lasts 12 to 36 months and is available to businesses on transactions starting at $4,000. Two lease types are available—fair market value (FMV) and $1 buyout—based on whether you intend to keep the equipment or trade it in at the end of the lease. Apple Business Financing…
To successfully crowdfund your small business you will need to select the type of crowdfunding that best suits your needs as well as a platform to host your campaign. When you set up the campaign you will need to tell a compelling story and adequately describe how your product or business can benefit potential backers….
Business succession planning is a series of logistical and financial decisions about who will take over your business upon retirement, death, or disability. To write a succession plan, the first step is to identify the ideal successor to take over the business, then determine the best selling arrangement. This usually involves a buy-sell agreement, secured…
Business owners with low personal credit scores who face cash shortages wonder how to get a business loan with bad credit and no collateral. By identifying the factors lenders consider in the application, evaluating financing options, and submitting an application, borrowers can maximize their chances of getting a bad credit business loan. Fundbox offers a…