Whether you're starting a new business or scaling an existing one, understanding your funding options is crucial. This guide covers 15+ ways to get capital for your business.
SBA Loans
7(a) Loans
The most common SBA loan, offering up to $5 million for various business purposes. Requirements include 2+ years in business and good credit.
Microloans
Up to $50,000 for newer businesses and startups. More flexible requirements than 7(a) loans.
Business Credit Cards
0% APR business credit cards can provide $50,000-$150,000+ in startup capital through strategic "stacking."
Top 0% APR Cards: Chase Ink Business Unlimited, American Express Blue Business Plus, Capital One Spark
Lines of Credit
Flexible revolving credit from lenders like:
- Bluevine - Up to $250K
- Fundbox - Up to $150K
- Kabbage - Up to $250K
Grants
Free money that doesn't need to be repaid. Check:
- Grants.gov for federal grants
- SBA.gov for small business grants
- State-specific grant programs
- SBIR/STTR for tech businesses
Alternative Funding
- Invoice Factoring - Get 80-90% of unpaid invoices upfront
- Equipment Financing - Up to 100% of equipment cost
- Crowdfunding - Kickstarter, GoFundMe, equity crowdfunding
- Angel Investors - For high-growth potential businesses