CC · Financing
Accepting applicationsBusiness credit cards, open to start-ups
Revolving credit underwritten on the owner rather than the business — so a new company with no credit file of its own can still qualify.
- Amount
- $5k – $100k
- Funded in
- 7 – 14 days
- Term
- Revolving
- Priced as
- APR from 15.9%
- Min. trading
- Start-ups considered
Illustrative ranges. Your actual amount, rate and term depend on your business and are set when you apply.
What a Business Credit Card is
A business credit card is revolving credit underwritten on the owner rather than the business — which makes it one of the few products open to start-ups and to businesses with no established credit file of their own.
It is built for everyday spend and for building a business credit history where none exists yet. Because it is underwritten on the owner, it reports to personal credit as well, and a hard inquiry is involved when you apply.
How it works
- 1Apply on owner credit
The business file matters less; owner identification is the key document.
- 2Approval and limit
A revolving limit set on the owner’s personal credit strength.
- 3Spend and build
Everyday purchasing that helps establish a business credit file.
Who it is a fit for
Everyday spend, and building a business credit file where none exists yet.
Underwritten on the owner’s personal credit, so it reports personally as well. A hard inquiry is involved.
What you will need
The full checklist is built from your answers in the application — you are never asked for a document that does not apply to you. For a Business Credit Card, the document that does the work is: Owner identification — the business file matters less here. Most files are complete with around 6 documents in total.