Whether it is to pay for grocery shopping or to purchase plane tickets for a vacation, most of us have come to rely on credit cards for our day-to-day personal expenses. And for good reason too – after all, not only do credit cards offer instant access to funds, but they also negate the need to carry cash and remember to restock periodically at ATMs.
But did you know that this little piece of plastic can also help on the business front? Apart from providing access to a standing credit line, a business credit card, used responsibly, can help an organization’s bottom line.
Access to credit is one of the biggest concerns of a small business owner. If your cash flow is lacking or irregular, a business credit card can help you tide over. Since credit card bills aren’t generally due until a few weeks after the statement closes, you get a cushion of time to arrange for the required funds.
Lenders usually use your personal credit when you first apply for a business credit card or loan. By using a credit card tied to your business, you can build your business credit score and be eligible for favorable borrowing terms in the future.
A business credit card helps keep your business and personal expenditures separate. It makes cost tracking and preparing tax returns at the end of the year easier, as all purchases are outlined in one place in the monthly credit card bill.
A business owner can monitor employee expenses by adding them as authorized users on a business credit card. The employer may not need to bother with expense reimbursements and can even establish individual spending limits for employees in order to maintain control.
Business card issuers usually offer business-friendly incentives, including discounts on office supplies, free travel and low-cost business services to entice organizations to sign up for their services. Some business credit cards may offer as much as 5% rewards on certain business-related expenses.
To ensure that you have a card that does the most to improve your company’s day-to-day operations, you should compare your card features with the rates, rewards and perks provided by other issuers at regular intervals.
However, a word of caution. Although business credit cards offer a variety of benefits, they can be dangerous if not used responsibly. When using business credit cards, make sure that you apply the same rules that you would to personal credit cards. Take care that you don’t go over the prescribed credit limit. Pay the balance off monthly, or as soon as possible, so that high interest rates and fees don’t add up.
Credit Cards for Larger Expenses and Small Business Funding
If you are looking for $50,000 – $250,000, Fund&Grow has a proven, guaranteed solution to get you that amount of business credit with no interest for 12-18 months. Fund&Grow also has a program to get up to $100,000 in corporate credit (to be used with your largest vendors that have credit terms). If you’re interested, don’t be shy. Give us a call at (800) 996-0270, and let us see how we can help you.
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* "Funding" typically comes in the form of the issuance of business credit cards that may be used for business purposes. In such instances, we consider these credit lines as funding since businesses may tap those lines.
** Zero-Interest is based on the personal credit-worthiness of the business owner. 0% rates are introductory rates and vary in length of time, assuming all monthly required payments are made to the credit card company. Introductory rates of 0% apply to purchases and/or balance transfers after which it reverts to an interest rate, which varies by lender as disclosed in the lending agreement from the lender. Fund&Grow is not a lender.
*** The 60-day money-back guarantee only applies if client does not obtain credit. Please refer to the full Terms of Service for additional details.
"Fund&Grow was created to empower small business owners, but more importantly, to support entreprenuers in achieving their business and personal goals while they lead the way towards innovation." - Ari Page CEO of Fund&Grow
Ari Page and the Fund&Grow team help business owners obtain access to credit despite the ambiguous lending climate. Many people feel ripped off and scammed by the bank bailouts and wonder why they can't use the system to their advantage the way the big banks did. If you have good credit, the Fund&Grow program will get you the funds you need to grow your business.
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All credit is subject to lender approval based upon credit criteria. Up to $250,000 in business credit is for highly qualified files over the term of the membership with multiple credit card batches and/or credit lines. Introductory rates of 0% apply to purchases and/or balance transfers after which it reverts to an interest rate, which varies by lender as disclosed in the lending agreement. Fund&Grow is not a lender.
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