Business Credit Cards

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SBA Loan by SmartBiz

SmartBiz combines the benefits of a traditional SBA loan without the long and tedious application process (typically 60-90 days). Since SBA loans are government-subsidized, their rates are among the most favorable for lenders. SmartBiz's application is fully online and automated and, if approved, you get your loan in less than one month from start to finish. Their list of requirements are long, but their online application takes out a lot of the pain typically associated with SBA loans. Pay attention to the requirements list on the right to make sure you qualify before you try applying. The requirements are strict so you can save yourself a lot of trouble by making sure you qualify before starting down this road.

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening. 0% Intro APR on purchases for the first 9 billing cycles. After that, a variable APR currently 11.99% - 22.99%. 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases. 1% cash back on other eligible net purchases. No limit on total rewards and they never expire! Plus, a 25% Annual Cash Rewards bonus, up to $250. No annual fee*. Net purchases are purchases minus credits and returns.

Intermediate-Term Loan by OnDeck

OnDeck offers business term loans up to $500,000 and business lines of credit up to $100,000 to qualifying small businesses. The process is simple and looks at the overall health of a business rather than personal credit alone. Their quick application requires little to no paperwork. Decisions can be given in minutes, and funding is delivered in as fast as 24 hours. Apply today!

Line of Credit by Fundbox

The Fundbox Line of Credit is a common sense approach to small business funding, with no paperwork or minimum credit score required. You can qualify for up to $100,000 in credit. Fundbox offers transparent pricing with no origination or application fees, with one simple weekly fee that's based on the amount you draw. Fundbox is trusted by small businesses owners and industry experts, with over 90,000 small business customers served.

Intermediate-Term Loan by Funding Circle

Funding Circle provides a term loan at low rates with a fast and simple process, so you can get back to running your business. Funding Circle is a leader in transparency - no charge to apply, no hidden fees, and no prepayment penalties. Their terms range from 1 to 5 years and are paid down monthly, not daily. Rates start as low as 4.99%. Funding Circle helps merchants build business credit. They report back to both Experian & D&B and open trade lines on good payment history. Funding Circle works with All Entities Types, including Sole Proprietors. They can also help Sole Props start their business credit profile by opening up their first business credit trade line.

U.S. Bank Business Leverage® Visa Signature® Card

Earn 75,000 points worth $750 cash back. Just spend $7,500 in eligible net purchases on the Account Owner's Card within the first four months of account opening. Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically. Earn 1X points per dollar spent on all other eligible net purchases. No caps or limits on the total points you can earn. Earn even more rewards when you link you card to your U.S. Bank payment processing account. Only U.S. Bank rewards you for both taking payments and making purchases. Learn more at usbrelationshiprewards.com. Free employee cards.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

  • Designed for businesses
  • Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • No Foreign Transaction Fees

Line of Credit by OnDeck

OnDeck offers business term loans up to $500,000 and business lines of credit up to $100,000 to qualifying small businesses. The process is simple and looks at the overall health of a business rather than personal credit alone. Their quick application requires little to no paperwork. Decisions can be given in minutes, and funding is delivered in as fast as 24 hours. Apply today!

Medical Financing by Bankers Healthcare Group

Bankers Healthcare Group provides flexible funding to accommodate any business need and will wire-transfer the funds in as few as 3 days. With minimal paperwork and no personal collateral requirements, they ensure a hassle-free process that won’t take time out of your busy schedule. Get a working capital loan for $20K - $500K to make improvements to your medical practice, add specialty services, hire staff, consolidate business debt or startup another business. BHG has worked with over 100K healthcare professionals and provided more than $3 billion in financial solutions nationwide.

Costco Anywhere Visa® Business Card by Citi

  • Discover the only business credit card designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Short-Term Loan by ForwardLine

ForwardLine provides fast, affordable business loans to small businesses. Over the past 13 years, we have built our business reputation as a direct lender with the most competitive rates and the highest level of customer service. Rates are reasonable and affordable with no hidden fees. Our application process is easy, free and won’t affect your FICO® score. Apply now, and get an instant credit decision, with funds in your account in as little as one business day.

Short-Term Loan by LendSpark

LendSpark’s creative, ethical financing solutions fuel growth for businesses of all sizes and stages. They provide fast, secure and flexible options to grow your business while protecting your personal credit. Great when needing funds for payroll, a bridge loan, expansion, new projects, hiring staff, or for working capital.

Short-Term Loan by Credibly

Credibly leverages data science, technology, and an energetic focus on the customer experience to provide loan products that are tailored to your business’s short-term needs and long-term goals. With the ability to provide up to $250,000 in capital in as little as 24 hours, their fast, flexible capital solutions are ideal for both growth initiatives and supporting working capital. Soft credit pulls only - No collateral required.

Equipment Lease by TimePayment

TimePayment is an award-winning equipment leasing company that specializes in transactions with a selling price starting as low as $500, and up to $100,000. Through their network of over 10,000 independent Vendors, and utilizing their multi-level credit scoring model, they are able to approve a wide range of customers from large corporations to small businesses, including new entities. TimePayment programs are designed to meet the needs of the broadest range of equipment buyers and sellers with competitive finance solutions for equipment of all types, and support for every credit profile. With industry-leading, cutting-edge technology, they are able to approve transactions under $10,000 online within seconds, and larger transactions within hours.

Equipment Financing by LendSpark

LendSpark’s creative, ethical financing solutions fuel growth for businesses of all sizes and stages. They provide fast, secure and flexible options to grow your business while protecting your personal credit. Great when purchasing new and used equipment or using existing, free and clear equipment.

U.S. Bank Business Platinum

0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% - 17.99%*. No annual fee*. Free employee cards. Zero fraud liability* protects you against unauthorized transactions.

Intermediate-Term Loan by Kapitus

Kapitus offers intermediate-term loans up to $500,000 in as little as 24 hours. The process is quick and easy with limited documentation and offers the best prepayment discounts in the industry. This funding is ideal for payroll, expansion, equipment, or any other use you may need for financing your business over a term of 2-5 years. Their intermediate term loans start at 5.99%.

Commercial Real Estate Loan by SmartBiz

SmartBiz commercial real estate loans allow small business owners to build net worth by owning the commercial property they operate in. Long terms, minimal down payments, and low rates allow for manageable monthly payments. The 25-year, fully amortizing term, eliminates the stress and risk of loan maturities and balloon payments.

401k Rollover for Business Startups (ROBS) by Guidant Financial

The ROBS structure isn’t new — in fact it’s been an option for years — but many financial advisors and stock brokers aren’t aware of these investments because they don’t provide sufficient profit for their institutions. Essentially, you're investing in yourself. Without loan interest to pay, you can make money sooner rather than later. And unlike the stock market this is an investment you can control. This tried-and-true structure is a fast, legal funding option that's been in use since the Employee Retirement Income Security Act became a law in 1974.

Equipment Financing by Currency Capital

Currency Capital is a leading online equipment financing network serving thousands of small- and medium-sized businesses across the U.S. Business owners are provided with unparalleled, instant access to financing options from a multitude of lenders with “one click,” making the entire application, selection, approval and funding process simple and transparent.

Short-Term Loan by Breakout Capital

Breakout Capital offers small business loans of up to $200,000 with terms from 6 to 24-months and daily, weekly, or monthly repayment options available to qualified customers. With a focus on transparency, customer service, and responsible lending, Breakout offers unique features with each and every loan: Early repayment benefits, graduation rates, no double dipping, and no hidden or junk fees. Their sales team supports you through the entire funding process, answering your questions every step of the way.

Invoice Financing by BlueVine

BlueVine gives small businesses an immediate advance on their outstanding invoices. We help businesses that experience long payment cycles or have lumpy or irregular cash flow free up their cash. With BlueVine, businesses can pay expenses, cover payroll, buy inventory or take on additional work. BlueVine is integrated with the most popular accounting software, enabling small businesses to get funded with a click of a button.

Intermediate-Term Loan by Credibility Capital

Credibility Capital provides fair, affordable funding to help small businesses grow and succeed. They offer transparent, fully amortizing term loans up to $350,000 that are paid in fixed monthly payments over 2 or 3-year terms. Rates start at 8% and there are no prepayment penalties or other hidden fees. Their application takes just 5 minutes to complete and applying will not effect your credit score. Their superior product, simple process and best-in-class customer service have earned an A+ grade from the Better Business Bureau.

Business Cash Advance by Credibly

Nominated as the “Fastest Merchant Cash Advance” by Fit Small Business, Credibly combines big data and a strong focus on the customer experience to provide up to $250,000 in capital in return for a portion of your future receivables. Because these payments are tied to future sales, you’ll never pay more than you can afford. Their fast funding and flexible repayments are ideal for working capital solutions and are favorable for businesses who experience seasonality. Soft credit pulls only - No collateral required.

Invoice Financing by Fundbox

Fundbox offers business owners a simple way to fix their cash flow by advancing payments for their outstanding invoices. Fundbox is a small business solution designed by a small business. It was built by a group of technological innovators and financial professionals with the mission of helping small businesses grow, become independent and achieve their full potential.

Long-Term Loan by Newtek

Procuring financing for business ventures is often challenging for small business owners. From startup phase to the expansion of your business, you may find it difficult to overcome the requirements of traditional bank loans. Newtek may be able to help. Newtek term loans offer flexibility to business owners because financing can be guaranteed for a variety of general business uses including: working capital, debt refinancing, and equipment purchases, just to name a few.

Invoice Financing by Newtek

Procuring financing for business ventures is often challenging for small business owners. From startup phase to the expansion of your business, you may find it difficult to overcome the requirements of traditional bank loans. Newtek may be able to help. Newtek term loans offer flexibility to business owners because financing can be guaranteed for a variety of general business uses including: working capital, debt refinancing, and equipment purchases, just to name a few.

Microloan by Kiva

Kiva is a non-profit that provides entrepreneurs with 0% interest loans up to $10,000. Kiva loans are crowdfunded by a global community of over one million people who can be potential customers and brand ambassadors for your business. They have a 94% funding success rate and you can apply online at kiva.org/borrow.

SBA Express Loan by Celtic Bank

Celtic Bank is a nationwide small business lender specializing in SBA loans. The Celtic Bank Express Loan was specifically designed with small business owners in mind. Our streamlined loan program offers working capital loans with lower interest rates and extended repayment terms. Celtic Bank is the 6th largest SBA lender in the nation for FY 2015.

Brex Card for Ecommerce

Perfect for ecommerce companies and online brands that have been in business at least 1 year ($50,000 or more in monthly sales required). Net 60 terms: Take a full 60 days to pay your bill and improve cash flow management. 0% interest, no fees, no catch. No personal guarantee and no impact on your personal credit score. Get a credit limit at 50-100% of your future monthly sales, up to $5 million. Brex cards are issued on the Mastercard network. Enjoy worldwide acceptance with no foreign transaction fees. Easy online application with instant approvals: Get a virtual card in 5 minutes and a physical card in the mail in 3-5 days. Save time with automated receipt-capture via text and email and integrations with all major accounting software. Build business credit: Brex partners with Experian and D&B to report your on-time payments.

Brex Card for Startups

Perfect for tech companies and early-stage corporations with professional funding (U.S. EIN and at least $100,000 in a corporate bank account required). No personal guarantee and no impact on your personal credit score. The best rewards for startups: 7x on rideshare, 4x on travel, 3x on restaurants, 2x on software subscriptions, and 1x on everything else. Brex cards are issued on the Mastercard network. Enjoy worldwide acceptance with no foreign transaction fees. Limits 10-20x higher than traditional business cards. Easy online application with instant approvals: Get a virtual card in 5 minutes and a physical card in the mail in 3-5 days. Save time with automated receipt-capture via text and email and integrations with all major accounting software. Build business credit: Brex partners with Experian and D&B to report your on-time payments. Exclusive signup offers from the best providers in the startup ecosystem (e.g. AWS, Google Ads, WeWork, Salesforce) worth over $50,000 in value.