The best credit cards for self-employed workers in 2019 help keep sole proprietors on budget. They charge no annual fees, keep ongoing annual percentage rates (APRs) low, and offer introductory interest-free financing on purchases and balance transfers for nine months or more. Some top cards even offer introductory rewards of up to $500 and ongoing…
Startup Financing
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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
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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
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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
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Need funds to purchase an office building, retail location, or investment property? Here you can learn about all your commercial real estate loan options.
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How to Increase Your Credit Limit in 5 Steps
To increase your credit limit, you’ll typically need a credit score above 680, a low amount of debt relative to your income, and a timely payment history. Additionally, your existing credit cards should not be maxed out. Responsible card holders can easily request an increased credit limit from their credit card issuer online. Sometimes, the…
Staffing & Payroll Factoring: How It Works & Top Companies
Staffing factoring, also known as payroll factoring, is a financing tool for staffing agencies that converts unpaid invoices into immediate working capital. Staffing factoring companies will typically advance 85% to 90% of an invoice’s value immediately. The remaining balance will be given to the staffing agency, minus the factor’s fees after the client has paid the…
Best Merchant Cash Advance Alternatives for Small Businesses
Small business owners typically seek alternatives to merchant cash advances (MCA), such as small business loans or lines of credit, due to the extreme costs associated with MCAs. An MCA, which is a lump sum payment in exchange for a fixed percentage of your daily credit card receipts, can have APRs in excess of 200%….
Business Credit Card vs Business Line of Credit: Price, Features, & What’s Best in 2019
Business credit cards and lines of credit are short-term financing options used by small businesses to access working capital for different purposes. A business credit card is a financing option that’s used to make business-related purchases. A business line of credit gives business owners access to funds that can be drawn on as needed. OnDeck…
Merchant Cash Advance vs Business Loan: What’s Best
Merchant cash advances (MCAs) and business loans are both financing options that provide small businesses with working capital. While either product can be a good financing option, the way these borrowing methods are structured differs greatly. To understand these differences better, we compared and contrasted the two, including a detailed example of each financing option….
15 Best Small Business Credit Cards 2019
The best business credit cards offer high rewards payouts, specific rewards categories, and low introductory and ongoing interest rates. Based on these criteria, we reviewed credit cards to identify the 15 best small business credit card options. We then ranked them based on costs, application process, and rewards for various types of businesses and spending….
Section 179 Calculator: Calculate Your Tax Savings
Section 179 is a type of tax deduction that lets you deduct up to $1 million in equipment and other fixed assets as a business expense on your tax return. This provides significant tax savings compared to depreciating the assets over several years. Our Section 179 calculator helps you determine how much you can deduct…
SBA Loan Rates – Current Interest Rates and How They Work
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 2019
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…
PEX CEO Toffer Grant Explains How Your Business Should Spend to Stay Competitive
Toffer Grant began working in the prepaid card industry in 2000. In the six years prior to PEX, he was exposed to small businesses while initiating 65 prepaid card programs throughout the industry. We talked about his partnership with BuyQ, recent industry changes, and his belief around business owners understanding prepaid business card benefits. Grant…
How to Set Up a Rollover for Business Startups (ROBS)
A rollover for business startups (ROBS) enables you to access your retirement funds to start or buy a business. Setting up a ROBS involves rolling your existing 401(k) into a new C corporation’s retirement plan. The new business then purchases shares in the new company with those funds and gives you access to them. However,…
