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Guides & Articles on Business Credit Cards
Building/Checking a Business Credit Rating
An established credit rating is crucial for growing a small business
Any business that plans to seek loans, lease equipment, establish partnerships, accept credit cards or buy inventory and materials should have a strong credit profile. You'll need to: Get listed with key credit profiling firms. Build, maintain and update your business credit profile. Check credit profiles of customers. Get more free business tips at BizBest.
Business Credit Basics
Learning business credit basics can help your company invest and grow
Business credit cards can allow your company to invest in goods and services needed for its success, which in turn will grow your business and make you more money. Corporate credit is especially important if your business is just starting out and you don’t have a lot of cash or venture capital to buy the necessary assets. That being said, unfortunately, business credit...
Business Credit Cards
Wise use of credit cards can impact your business in a positive way.
The Better Business Bureau estimates that credit cards account for more than $1.8 trillion in purchases each year. Business credit cards play a large role in business operations — consider that business credit cards enable immediate buying power when cash flow issues arise and allow you to track expenses in a efficiently. While small business credit cards can...
Business Credit Education and Training
Business credit education is available formally and informally for every business
Business credit is necessary to maintain. It allows the business to have purchasing power for inventory, to pay expenses and to cover expansions. Business personnel should have business credit education and training to ensure it is in use properly.By building business credit, the owner of the business is able to keep his personal credit separate. Business credit cards with no...
Business Credit Key Terms
Explore key terms for business credit including commercial account receivable factoring and loan guaranty
Business credit is often needed for start-up businesses or even existing businesses that need financing to grow and develop. There are a variety of types of loans available and they all have confusing terms associated with them. For example, some business owners may be unsure of what their D& B rating is, which could potentially affect their ability to obtain credit. Some...
Business Line of Credit Basics
Learn about business line of credit basics to meet short-term cash flow needs
Before contacting a lender to discuss financing options, it's best to learn about business line of credit basics. A business line of credit (LOC) is a common way for company owners to meet their short-term working capital needs. In most cases collateral is not required as long as the business owner meets all basic credit criteria.The maximum amount of the unsecured business...
Business Line of Credit Key Terms
Learn about lines of credit for businesses
When applying for a line of credit for a business, borrowers should understand the terms associated with such applications, including the business credit profile and the Dunn & Bradstreet ratings often used by lenders. Learn what is considered a small business and the 4 Cs of Credit. Businesses should understand these and other terms before to applying for a line of...
Business Line of Credit News and Trends
Know your options by staying abreast of business line of credit news and trends
Staying abreast of business line of credit news and trends will help business owners keep their companies afloat during times of national economic distress. For example, what happens to a business line of credit if the lending institution fails? Can the lending institution decrease or close a business line of credit when the economy is weak? Knowing the answers to these and many...
Credit Card Basics
Compare the APR, introductory rate and rewards programs of small business credit cards
When you own your own business, you’ll want to get the best credit card offers for your company. Business credit cards can give you a low APR on purchases that you make as well as earn rewards. Credit card providers will try to attract business owners with benefits like a low introductory APR. During this promotional period, you’ll likely pay 0% on...
Credit Card Key Terms
Know general credit card terms when choosing or maintaining an account
Picking credit cards, whether for personal or business use, requires some research so that you know what you’re getting into before opening an account. Banks issue credit cards according to income, credit history and other criteria. They also attract business owners and consumers alike with features such as online account access, cash back, travel rewards and low-interest...
Debit Cards Basics
Understanding the simplicity and benefits of business debit cards
Though debit cards look like a credit card, their link is directly to your business checking account. The funds for transactions made with your debit card come directly from your account. Basically, the debit card functions as a check, with faster processing and more security. The amount of funds in your checking account determines how much you can spend on debit card purchases....
Debit Cards Key Terms
Learn more about the financial tool of debit cards
Debit cards are a convenient way for consumers to pay for purchases without using cash, checks or credit cards. Debit cards offers the convenience of a credit card without charging fees and interest on a consumer's purchase. These fees are avoided, because a debit card takes the money directly from a checking or savings account, working much like a check would. Debit cards can...
Debit Cards for Small Business
Help manage your business finances with plastic
The reason to consider debit cards for your business is the same reason you got one for your personal accounts: to keep better track of the money in your checking account. Debit cards – also called check cards and bank cards – work with either a personal identification number (PIN), grabbing money directly from the account, or with a signature like a credit card, with...
Making the Most of Debit Cards
Protect your business by taking all security precautions when using debit cards
Debit card incentives, such as a free card with a new checking account, make the idea of having a debit card sound great, but there is risk involved and you must know how to use them properly. If someone else gets their hands on your debit card and you don’t take the right precautions to protect your business funds, someone could empty your accounts very quickly.However,...
Making the Most of Small Business Credit Cards
Small business credit cards research and tools for all business owners
Small business credit cards can serve as a tool to paying accounts before they are due. Obtaining the best small business credit card is a process of research. By gathering detailed information about options, small business owners can find the most affordable, yet the most flexible, credit for their needs. When considering these credit cards, learn about the...
Maximize Savings w/ Low Interest Credit Cards
Using low interest credit cards could save you thousands of dollars!
Low interest credit cards can create substantial savings if you carry a monthly credit card balance. It doesn't take much - reducing your APR by just 1% or 2% could save you hundreds, or even thousands of dollars on interest charges each year - depending on the size of your balance. Here's a simple example of how much you could save:Assume you carry a balance of...
Pricing and Costs of Small Business Credit Cards
Small business credit card costs and charges explained for business owners
Small business credit cards are a fixture in most business financial reports. In order to utilize these cards successfully, the business owner needs to take into consideration the costs of using them. The benefits of using a small business credit card are numerous, including easy management of monthly expenses and giving employees a line of credit for business...
Small-Business Credit Cards Key Terms
Understand the subtle yet important concepts of small-business credit cards
Small-business credit cards allow companies to make a wide variety of purchases. In order to get such a credit card, businesses are required to fill out and sign an application, which is a legally binding contract. As with any legal document, businesses should be aware of the terms and conditions to which they are agreeing. In addition, not all of the subtle nuances and important...
Using Credit Cards
Use business credit cards to make your business more profitable
If used wisely, using credit cards in your business can add money to your bottom line. In order for this to work, you need to find credit card providers that charge zero percent interest and no annual fees. In lieu of zero percent interest, use the grace period and pay your bill in full when it's due each month.Another way to use a business credit card is to take advantage of the...
