Identify your expenses
Consider the business purchases you expect to make and how you will pay the balance.
FUNDING PROGRAM GUIDE
Business Credit Cards
Explore a business credit card as a way to manage eligible purchases within an issuer's credit limit.
Lendable Capital is not a lender. Third-party funding providers set their own terms and make their own decisions.
01 / How the program works
How the program works
A look at the process, from planning to repayment.
Compare card terms
Review the credit limit, interest, fees, payment terms, and any rewards offered by the issuer.
Use and repay
If approved, make eligible purchases and pay according to your card agreement.
Who this program fits
A business credit card may suit an owner who wants to separate eligible business purchases and manage recurring expenses while keeping track of repayment.
What lenders typically review
Requirements vary by provider, but these are useful areas to prepare.
- Personal and business credit information
- Business revenue and financial information
- Existing debt and payment history
- Owner and business details
Benefits and tradeoffs
Potential benefits
- A credit limit can provide flexibility for eligible purchases.
- Statements can help organize card spending.
Things to consider
- Interest and fees can increase the cost of a carried balance.
- An issuer may require a personal guarantee or impose other conditions.
Frequently asked questions
How is a business credit card different from a term loan?
A term loan generally provides a lump sum. A credit card lets you make eligible purchases up to an available credit limit under the issuer's terms.
Will an issuer check my personal credit?
An issuer may review an owner's personal credit, business credit, or both. Requirements vary by issuer.
What should I compare before accepting a card?
Review the interest rates, fees, payment requirements, credit limit, and any personal guarantee or rewards terms.
Get a clearer picture of your readiness
Explore your funding profile and identify the next steps for your business.
Disclosure
Lendable Capital is not a lender, bank, or credit repair organization. We do not issue loans, make credit decisions, or guarantee funding outcomes. Our services help connect individuals and business owners with funding partners and readiness resources. Funding approvals, terms, and amounts are determined by third-party lenders and depend on each applicant's unique profile, credit history, and program guidelines.