When it comes to your small business, there are a number of融资选项available. A couple of popular options include a business loan or credit card. But, which one is better for your business? Get to know the difference between business loan vs. credit card and learn how to decide between the two.
商业贷款与信用卡之间有什么区别？
Understand business loan vs. business credit card starting with the basics: definitions.
What is a business loan?
商业贷款are loans given to companies from a lender (e.g., bank) that must be repaid over time and generally include interest.
A business loan can come in many different shapes and sizes. There are a ton of different loan types out there for business owners to choose from. Here are a few you may consider looking into:
- Bank loan
- SBA loan
- 定期贷款
- Short-term loans
- Long-term loans
- Microloans
- 灾害贷款
某些类型的贷款对于不同情况更好。例如，由于宣布灾害（例如，自然灾害），灾害贷款专门为企业挣扎。
随着许多贷款，您将收到前期资金，并在分期付款中偿还您欠款的资金。但是，每种贷款都有不同的工作，可能有不同的规则。
Applying for a business loancan be an easy process if you prepare ahead of time and meet the credentials. Generally, you need to:
- Determine how much you need
- Choose a loan
- Review your credit score and history
- 收集文件（例如，财务报表)
- Fill out an application (in person or online, depending on the lender)
什么是商业信用卡？
就像如何获取个人使用信用卡一样，您也可以获得专门用于商业用途的信用卡。商务信用卡专为小型企业主而设计，如果您需要旋转资金，则是一个很好的选择。
商业信用卡与个人或消费者信用卡类似，但通常为企业提供某些特权。通过获取商业信用卡，您可以：
- 建立信用
- Access rewards (e.g., cashback on business purchases)
- 简化现金流量
- 在经济上保护您的业务
Like with a business loan, you need to go through an application process to get a business credit card. Before you try toget a business credit card, you should review your credit and research card options. Once you have a good idea of what card is best for your business you can apply by:
- Gathering information (e.g., personal and business information)
- 处理申请（一般在线）
- 等待从卡发行人回复
In most cases, getting a business credit card is a quick and painless process as long as you do your research, gather the necessary information, and are qualified. And, you can typically just apply online and hear back within a few business days.
What’re the pros and cons of business credit cards and loans?
当然，商业中的一切都有利弊。在您决定去某种路线融资之前，请参阅商业信用卡和业务贷款的优缺点。
商业贷款
Here are a few advantages and disadvantages of getting a small business loan for your company.
pros:
- Can receive large loan amounts, depending on the loan
- May be able to receive all of the money upfront
- Interest rates can be lower than other options (can vary based on your business’s credit and finances)
- Interest payments can be deductible on your taxes
- 帮助克服现金流量挑战
- Can accelerate your business’s growth
Cons:
- 如果需要额外资金，需要申请新贷款
- Creditors may ask for a personal guarantee and collateral
- 可能比你需要更多的资金
- Repayments can damage your cash flow
商业信用卡
查看商业信用卡的一些优点和缺点。
pros:
- Revolving line of credit you can use over and over again
- No collateral needed
- 如果您每月全部支付余额，则无效
- May offer additional perks, like cashback or discounts
- 可以很容易获得资格
- Helps you build credit
- Easy way to finance your small business
Cons:
- Interest rates are typically high
- 费用可能适用（例如，每笔交易，年度或延迟费用）
- Credit limit could be low
- Most require a personal guarantee (need to show previous personal credit history to qualify)
- May not offer purchase protection like personal credit cards do
Is it better to get a business loan or credit card?
So, are loans or credit cards better for your business? Well, the answer depends on your company’s financial situation and what exactly you’re looking for funding-wise.
Small business loans are a good option if you:
- Need a larger sum of money
- 想要一个大的投资or purchase
- 需要再融资现有债务
- 想要降低利率
商业信用卡are an ideal option if you:
- Need short-term financing
- Want to separate personal and business funds
- Need funds quickly
- Want additional perks, like cashback on purchases, for your business
- Plan on financing ongoing expenses
再次，在选择商业信用卡与贷款之间选择之前的每个选项的利弊。了解您在每个选项中都能让自己选择智能选择。
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Other financing options to consider…
作为企业主，您不仅限于商业贷款和信用卡以获得融资。有很多其他方式提供资助您的业务，例如：
- Crowdfunding
- Angel investors
- Venture capitalists
- Small business grants
- 来自家人和朋友的资金
- Personal funds
Before you choose to apply for a business loan or credit card or pursue one of the funding options above, do your research. That way, you can determine ahead of time which financing option is the best fit for your business.
This is not intended as legal advice; for more information, please点击这里。