Startup and Small Business Loans, Credit, and Other Financing Options
This is a simple list to know your options for startup and small business loans, credit, and grants. Find the best business loan and best business credit card options you can qualify for.
Business loans
- OpportunityFund.org (California only)
- SBA Lender Match (2+ years of operating history) https://www.sba.gov/funding-programs/loans/lender-match
Short-term Loans (6 months or less)
- Intuit
- PayPal
- Stripe
- Shopify
Revenue-based financing
Business credit lines
- OnDeck.com (600+ credit score, $200k+ annual rev)
Business credit cards
High credit scores only:
- AmEx Blue Business Cash or Blue Business Plus Credit Cards (690+ credit score)
- Chase Ink Business Preferred or Business Cash Credit Cards (690+ credit score)
- Capital One Spark Cash for Business (690+ credit score)
- SVB credit card (690+ credit score)
All credit scores
- Brex Card for Startups – no personal guarantee, cash-based credit risk
- Bad credit score business cards – https://wallethub.com/credit-cards/bad-credit-business/
Debt crowdfunding
Early-stage founder funding
Government funding
- NSF Seed Fund (tech R&D and impact required)
- OpenGrants.io for grant options and help with applying
- PPP loans – talk to your current bank or https://www.kservicing.com/ppp-loan/
Venture debt (must be a VC-backed company)
Invoice financing (factoring)
