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9 Loans Your Minority-Owned Small Business Or Startup Can Get, Even With Bad Credit

Explore the top minority business loans available to find the best fit for your small business or startup. Plus, discover options for building your credit.

    Jason Vissers
  • UPDATED

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Minority Business Loans For Bad Credit

Business financing for minorities can be hard to come by, especially if you have bad credit. Even so, your minority-owned business can find the right loan or funding to help support your business goals. In this article, we’ll help you find the right lender for minority-owned small businesses and startups while bearing in mind the difficulties involved in dealing with racial lending biases and disparities.

While not every loan service listed below directly targets minority-owned businesses with bad credit, they all work well with those who have less-than-stellar credit.

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  • Business loans up to $50,000
  • Competitive interest rates
  • Personal credit scores as low as 575
  • Business loans up to $50,000
  • Competitive interest rates
  • Personal credit scores as low as 575

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  • Friendly towards women & minorities
  • Flexible borrower requirements
  • Relatively low rates & fees
  • Friendly towards women & minorities
  • Flexible borrower requirements
  • Relatively low rates & fees

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  • Loan marketplace network
  • No fee for the service
  • Loans matched to your needs
  • Loan marketplace network
  • No fee for the service
  • Loans matched to your needs

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  • Minimal borrower requirements
  • 2.9%-18.72% fixed fee
  • Requires $42,000 business revenue/year
  • Minimal borrower requirements
  • 2.9%-18.72% fixed fee
  • Requires $42,000 business revenue/year

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  • Credit line up to $150,000
  • Minimum credit score: 600
  • Competitive rates
  • Credit line up to $150,000
  • Minimum credit score: 600
  • Competitive rates

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  • Lines of credit up to $250,000
  • Approval with fair credit
  • $3,000 in monthly revenue required
  • Lines of credit up to $250,000
  • Approval with fair credit
  • $3,000 in monthly revenue required

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  • Loans up to $100K
  • Specializes in funding minority-owned businesses
  • Credit score of 550+
  • Loans up to $100K
  • Specializes in funding minority-owned businesses
  • Credit score of 550+

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  • Helping US immigrants & refugees
  • For businesses in the NYC area
  • No minimum credit score or minimum time-in-business requirement
  • Helping US immigrants & refugees
  • For businesses in the NYC area
  • No minimum credit score or minimum time-in-business requirement

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  • Offers a loan program for minority-owned businesses
  • Loans & lines of credit
  • Need to be in operation 2+ years
  • Offers a loan program for minority-owned businesses
  • Loans & lines of credit
  • Need to be in operation 2+ years

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Read more below to learn why we chose these options.

Top 9 Minority Small Business Loans For Bad Credit

Obtaining minority small business startup loans is difficult for a variety of reasons. The following list covers lenders and loan types that offer some combination of accessibility, competitive rates, and transparent funding outside the traditional bank lending system.

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1. SBA Microloans

SBA Microloans


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Pros

  • Low interest rates
  • Long repayment terms
  • Flexible credit requirements
  • Available to small businesses & startups — no time-in-business requirement

Cons

  • A lengthy application & funding process
  • Low maximum borrowing amounts
  • May require a down payment or collateral

SBA Microloan Features

The Small Business Association Microloan program (read our guide to its terms, rates, and eligibility) is designed for small businesses and startups to obtain smaller loans for business purposes. While this microloan program isn’t explicitly targeted at minorities, it is intended to provide equitable access to business credit for all small business owners, including those struggling with credit.

  • SBA-backed small business loans up to $50,000
  • The average SBA Microloan size is about $13,000

SBA Microloan Rates & Fees

SBA Microloans generally sport interest rates between 8% and 13%, according to the SBA’s Microloans page. These SBA-backed loans are offered by lending institutions and not the SBA itself, so the lender sets the exact terms, not the SBA.

SBA Microloan Eligibility Requirements

According to the SBA, while each intermediary lender has its own lending & credit requirements, these lenders generally require some type of collateral & a personal guarantee. As for credit, personal credit scores as low as 575 may be approved, though the SBA generally recommends a score of 640 or higher.

SBA Microloan Application Process

While the process of applying for an SBA Microloan will vary depending on the intermediary lender, you can expect the process to take from one to three months.

Qualifiers/Warnings

As you can see, the SBA Microloan program isn’t a fast-funding option — it will take a while before you see any money. Furthermore, in most cases, you’ll need at least two years of business history, and you may need to put up collateral.

Where SBA Microloans Really Shine

Minority-owned businesses needing $50,000 or less will stand to benefit from the low interest rates and long repayment terms (up to six years) of an SBA Microloan. Though the application process is long, it’s a good option to consider, particularly for those who have had trouble obtaining a bank loan.

If you need a larger loan but still want to go through the SBA, there are several other options, including SBA Community Advantage loans, which target underserved communities. However, the SBA’s other loan programs generally require a stronger credit background.

Get Started With SBA Microloans

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2. Community Development Financial Institutions (CDFIs)

CDFI


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Pros

  • Offers business installment loans, microloans, and startup loans to those in underserved communities
  • Particularly friendly to women & minorities
  • Lower rates & fees than most alternative lenders
  • With over 950 CDFIs nationwide, you should find some in your area

Cons

  • Lengthy application process
  • The loan types on offer will vary by location

CDFI Features

A CDFI is a not-for-profit institution that facilitates community growth by financing businesses and consumers in low-income or disadvantaged areas.

  • For an institution to be designated as a CDFI, it needs to be certified by the CDFI Fund, an arm of the US Department of the Treasury
  • According to CDFI.org, there are currently over 950 CDFIs certified by the CDFI Fund
  • CDFIs operate on the local community level, not on the national level
  • CDFIs include banks, credit unions, loan funds, and venture capitalists

CDFI Rates & Fees

Interest rates and origination fees for CDFI loans vary by institution. However, CDFIs typically offer lower rates than most sources and types of business financing. And while CDFI loans sometimes sport rates higher than those of non-CDFI bank loans, CDFI loans are easier to obtain than regular bank loans in most instances.

CDFI Eligibility Requirements

Because they are offered by hundreds of individual institutions, eligibility requirements for a CDFI loan will vary depending on the lender. However, as the CDFI program was created for the purpose of funding businesses in low-income and minority communities, eligibility requirements will be less stringent than those of typical lenders.

CDFI Application Process

The application process for a CDFI loan can take anywhere from a week to two months. As for what you’ll need to provide, each CDFI lender has different requirements, but be prepared to provide the following:

  • Bank statements
  • Tax returns
  • Legal documents
  • Profit and loss statements
  • Balance sheets
  • Debt schedule
  • A/R aging report
  • Business plans

Qualifiers/Warnings

Though CDFI loans can be ideal for borrowers struggling to access business funding, the application process will often be longer than that of a typical loan. Additionally, the number of CDFIs serving your area will vary depending on your location, though the odds are that you’ll be able to find a few that serve your community.

Where CDFIs Really Shine

CDFIs are particularly friendly towards women and minorities, having been established to support business activity in underserved communities. Additionally, these lenders usually charge lower rates and fewer fees than most sources of accessible funding. And with borrower requirements that are intended to be flexible, you may have more success qualifying for a CDFI loan than for a loan with a more traditional lender.

For more details about the program, check out our guide to applying for a CDFI loan.

Get Started With CDFI

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3. Lendio

Lendio


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Pros

  • Multiple types of business financing available
  • Lendio matches you with the lender that best suits you & your business
  • Quick & easy application process
  • Helpful customer service

Cons

  • Rates can be high
  • Funds sometimes take a while to disburse

Lendio Features

Lendio is an online platform that matches businesses with loan providers in its financing network. To take advantage of this network, you’ll share your details with Lendio, and the service will comb through its lender network to find the best fit for you. Here’s what you can find through Lendio:

  • Short-term loans
  • Term loans
  • Lines of credit
  • Merchant cash advances
  • SBA loans
  • Equipment financing loans
  • No fee from Lendio itself

Lendio Rates & Fees

  • Short-term loans: Starts at 8%
  • Business term loans: Starts at 6%
  • Business lines of credit: 8%-24%
  • Merchant cash advances: Starts at 18%
  • Equipment financing loans: Starts at 7.5%
  • SBA loans: Varies

Lendio Eligibility Requirements

Lendio no longer publishes eligibility requirements on its site. Until recently, Lendio had listed the following recommendations:

  • 6 months in business
  • A credit score of at least 550
  • At least $10,000/month in revenue

Lendio Application Process

After you create a free Lendio account, you’ll be asked to provide some basic information about yourself and your business. Lendio then works to match you to lenders whose products your business may be suited for — a process that takes no longer than 72 hours. Once you accept a loan offer, you can get your funding in as little as 24 hours.

Qualifiers/Warnings

You may qualify for a number of loan products, but depending on your credit, the options you get may come with expensive rates.

Where Lendio Really Shines

Like many options on this list, Lendio isn’t aimed at minority business owners. However, it’s still an excellent place to hunt for funding because it does the matchmaking for you, so you’re not placing yourself at the mercy of a single lender.

Get Started With Lendio

Read our in-depth review

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4. LoanBuilder

LoanBuilder


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Pros

  • Lower borrower qualifications than banks
  • No extra fees
  • Quick & easy application process
  • Funds get disbursed quickly

Cons

  • Not available to businesses in some industries
  • No long-term financing options
  • UCC blanket lien required

LoanBuilder Features

PayPal-owned LoanBuilder delivers short-term small business loans to qualifying companies. Its details include:

  • Loans up to $500,000
  • Term lengths between 13 and 52 weeks
  • Fixed fee ranging from 2.9% to 18.72%

LoanBuilder Rates & Fees

With LoanBuilder loans, you’ll pay a one-time fixed fee of 2.9%-18.72% of the borrowing amount. There is no origination fee.

LoanBuilder Eligibility Requirements

LoanBuilder’s eligibility requirements are thus:

  • 9+ months of business history
  • $42K/year of business revenue
  • 620+ personal credit score
  • Some industries are ineligible (including attorneys, nonprofits, car dealers, and agents)

LoanBuilder Application Process

First, you fill out an online prequalification form with some basic personal & business information. You’ll then be evaluated to see if you prequalify. If you do, you’ll be able to set your borrowing amount & term length, after which you’ll complete the full application, provide more business info, and undergo a hard credit check. The whole process is quick and not especially tough.

Qualifiers/Warnings

Business in a number of industries (not just those typically considered high-risk) are ineligible to receive LoanBuilder loans. What’s more, there are no long-term financing options, and a UCC blanket lien is required.

Where LoanBuilder Really Shines

While not explicitly directed at minorities, LoanBuilder has lower borrower requirements than many lenders. You’ll simply need to have been in business for at least nine months, maintain a credit score above 620, and make $42,000 in business revenue per year.

Get Started With LoanBuilder

Read our in-depth review

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5. Fundbox

Fundbox


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Pros

  • Can make draws from your line of credit via mobile app
  • Very fast and easy application process
  • Get funding in as little as one business day
  • Discounts for repaying early

Cons

  • Weekly repayments required
  • Term loans aren’t available for everyone to apply for
  • High annual business income requirements

Fundbox Features

Focused on offering financial products for small businesses, Fundbox’s primary loan offering is its line of credit. Some applicants seeking a line of credit will be given the option of applying for a term loan, though the term loan is currently in beta and can’t yet be applied for directly.

  • Lines of credit and term loans up to $150,000
  • 12 & 24-week term lengths for lines of credit, 24 & 52-week term lengths for term loans
  • Make draws from the Fundbox app with a line of credit

Fundbox Rates & Fees

  • Fundbox Line Of Credit: Starts at 4.66%
  • Fundbox Term Loan: Starts at 8.33%

Fundbox Eligibility Requirements

  • 6+ months of business history
  • $100,000+/year in annual revenue
  • 600+ personal credit score

Fundbox Application Process

Fundbox’s automated application process can see you approved (or rejected) for a loan in just a matter of minutes. If you’re approved, you may be able to receive your funds the next business day.

Qualifiers/Warnings

With Fundbox’s lines of credit, weekly repayments are required. And while the other eligibility requirements are fairly lax, the $100K/year revenue requirement is pretty significant.

Where Fundbox Really Shines

While Fundbox isn’t specifically designed for minority-owned businesses, it still makes for a great option if you are struggling with iffy credit. It’s also one of the quickest possible ways to get funding if your application is approved by Fundbox’s automated system.

Get Started With Fundbox

Read our in-depth review

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6. Kabbage

Kabbage Checking


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Pros

  • No added fees
  • No early payment penalty
  • Relaxed revenue requirements
  • Quick application process

Cons

  • Rates can be expensive
  • No long-term financing options

Kabbage Features

Kabbage offers lines of credit to eligible businesses. The service is known for its convenience: Business owners can usually apply, know their rates and fees, and begin drawing funds, all within minutes. However, the fees can be high, so Kabbage shouldn’t be your first choice if you’re looking for the lowest rates possible.

  • Lines of credit up to $250,000
  • Term lengths of 6, 12, and 18 months
  • No draw fee

Kabbage Rates & Fees

You’ll be paying 1.5%-10% of the borrowing amount each month in fees.

Kabbage Eligibility Requirements

  • 12+ months of business history
  • $3,000+/month in revenue ($36,000+ annually)
  • 640+ personal credit score

Kabbage Application Process

Besides providing the usual personal & business information, Kabbage requires read-only access to your business bank account and any other data channels you use (Amazon, PayPal, QuickBooks, etc.). Kabbage uses this information to determine your monthly fee and maximum credit line. Approval or denial of your application may come within minutes. If approved, funding should come within three days.

Qualifiers/Warnings

Kabbage’s fees can reach up to 10% of your monthly borrowing amount, which makes these loans among the most expensive you can get. However, repayments are made monthly, as opposed to other services that require daily/weekly repayments. A drawn-out repayment cycle like this may make the potentially high fees worth it.

Where Kabbage Really Shines

As with others on this list, Kabbage isn’t marketed directly at minorities. However, it is still very friendly towards those with fair credit. Additionally, those with smaller businesses should note that the $3,000 monthly revenue requirement is lax relative to many competing lenders.

Get Started With Kabbage Checking

Read our in-depth review

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7. Accion

Accion


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Pros

  • Specializes in lending to underserved communities
  • Relaxed borrower qualifications
  • No prepayment penalty
  • Helpful customer service

Cons

  • Loans not available in all states
  • Funds sometimes take a while to disburse

Accion Features

Accion is a nonprofit company focused on lending to businesses that may not qualify for other loan options. Offering small business loans for an array of purposes, Accion works with businesses of all shapes and sizes, including minority-owned businesses, startups, and low credit businesses. Accion’s installment loans are tailored to the following groups:

  • Minority-owned businesses
  • Native American businesses
  • Veteran-owned businesses
  • Business loans for people with disabilities

Though Accoin’s loans vary by location and business type, here are the most common terms:

  • Borrow up to $100K
  • 12, 24, 36, or 60-month terms

On Accion’s website, the company states the following: “Our client base is over 90% women, people of color, and/or low-to-moderate income.”

Accion Rates & Fees

Accion’s loans usually sport an APR from 4%-16.99%. There may be an origination fee of 3%-5%. A personal guarantee and other collateral may be required.

Accion Eligibility Requirements

The eligibility requirements of an Accion loan vary by state, but here are the requirements you’ll generally have to meet:

  • 12+ months of business history
  • $50,000+/year in business revenue
  • Credit score requirements vary, but low scores (550-575) may be accepted
  • Must be 18+ and own at least 20% of the business in question

Accion Application Process

Accion has a more involved loan application process than many online lenders. The initial online application takes about 15 minutes to fill out, but the subsequent step — working with an Accion representative to put together the documents you’ll need to submit — will take longer.

Qualifiers/Warnings

Accion isn’t offering loans in a few states (MT, ND, SD, TN, VT). In other states, there may be restrictions on the types of businesses that can apply and/or higher minimum borrowing amounts than the standard $5,000.

Where Accion Really Shines

Accion’s mission — providing loan opportunities to underserved communities, including minorities — makes it a valuable resource to minority-owned businesses having difficulty securing financing from other sources. With relaxed borrower qualifications and helpful customer service, Accion is worth your consideration.

In addition to the above, Accion is currently offering loans through the SOAR Fund to the following businesses:

  • Located in a southern state
  • In operation since September 2019
  • Experienced hardship due to COVID-19
  • Employs 50 or fewer full-time employees

Get Started With Accion

Read our in-depth review

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8. Accompany Capital (formerly the Business Center For New Americans)

Business Center for New Americans


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Pros

  • Specializes in lending to immigrant & refugee-owned businesses
  • Relaxed borrower qualifications
  • Multiple financing types available, including SBA loans

Cons

  • Only offers loans to businesses in the NYC area
  • Funds may take a while to disburse

Accompany Capital Features

Accompany Capital, a CDFI based in New York City, offers a range of loan services focused on helping US immigrants and refugees in the New York City area gain self-sufficiency. Included among the center’s services are:

  • Microloans (up to $50,000)
  • SBA-backed small business loans ($75,000 to $250,000)
  • Credit-building loans (up to $2,000)

Accompany Capital Rates & Fees

Here are the rates & fees for Accompany Capital’s SBA-backed small business loans:

  • Interest rate: Prime + 3.25%
  • Term: Up to 10 years
  • Personal guarantees & collateral required
  • $50 loan application fee
  • A fee of 2% of the loan amount (up to $2,500) is payable upon submission of complete loan application

For microloans & credit-building loans:

  • Fixed 8% interest rate
  • Term: Up to 3 years
  • Application fee for loans up to $3,000: $25
  • Application fee for loans over $3,000: $50
  • Closing fee: 1% of the loan amount

Accompany Capital Eligibility Requirements

Accompany Capital doesn’t list any credit score or revenue requirements for its loans, but applying businesses do need to be located within the NYC area. Other requirements may apply.

Accompany Capital Application Process

Accompany Capital emphasizes the personal touch. After submitting a prequalification form online, a representative will work with you to discuss your loan options and the paperwork you’ll need to submit. This means that the process will take longer than with many online lenders.

Qualifiers/Warnings

The biggest and most obvious drawback associated with Accompany Capital’s loans is that they are only available to businesses in the NYC area. Of course, given the concentration of immigrants and refugees in NYC, this encompasses a lot of immigrant-owned businesses.

Where Accompany Capital Really Shines

Accompany Capital’s accessible loans, lax eligibility requirements, and personal service make it an excellent option for immigrant & refugee-owned businesses in the NYC area.

Get Started With Business Center for New Americans

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9. Union Bank

Union Bank


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Pros

  • Offers a loan program for minority-owned businesses
  • Up to $2.5 million in funding available
  • Term loans & lines of credit available

Cons

  • Limited information available online
  • Application process isn’t fully online

Union Bank Features

Union Bank runs its Diversity Lending Program as a way to aid small business owners in underserved communities with capital. According to Union Bank’s definition, underserved communities include women, minorities, and veterans.

Up to $2.5 million in funding is available to minority-owned small businesses. Unfortunately, Union Bank doesn’t disclose a lot of other information about these loans.

Union Bank Rates & Fees

No information is given by the company about diversity loan interest rates. Union Bank offers the following information about these loans:

  • Fixed-rate, unsecured, & secured term loans with repayment terms of up to 7 years for UCC- and equipment-secured loans & up to 25 years for owner-occupied commercial real estate financing
  • Business lines of credit (variable-rate, unsecured, & secured) also available

Union Bank Eligibility Requirements

Small businesses interested in applying for one of Union Bank’s diversity loans will need to have been in operation for two or more years and must be at least 51% owned, operated, controlled, and actively managed by a US-based minority, woman, or veteran. Also, your annual sales cannot exceed $20 million.

Union Bank Application Process

Union Bank doesn’t offer much information about its application process, but you’ll need to contact one of the company’s bankers to get the process started. Expect the process to take longer than that of many online lenders.

Qualifiers/Warnings

Since the company doesn’t list any rate information for its diversity loans, make sure that the rate offered to you by a Union Bank representative fits your business model.

Where Union Bank Really Shines

Union Bank is one of the few institutions offering business loans specifically to minority-owned businesses on a national scale. We just wish the company offered further details concerning rates and the like.

Get Started With Union Bank

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Can You Get A Minority-Owned Small Business Loan With Bad Credit?

As daunting as the challenges facing minority business owners with bad credit can be, there are many sympathetic agencies, organizations, and even lenders out there seeking to help correct lending disparities.

Do your research before taking any loan offer, and be sure to check out our more general resources on how to get a startup loan when you have bad credit.

Furthermore, there are many grant programs designed specifically to fund minority business owners and entrepreneurs. Our article on minority small business grant opportunities explores ten such options.

One such grant program is our own: the Merchant Maverick Opportunity Grants Program. While the grant application window for 2022 has closed, keep an eye on the aforementioned link in January of 2023 for our announcement of the details of our 2023 grant program terms and conditions.

FAQs: Small Business Loans For Minorities With Bad Credit

What is minority lending?

“Minority lending” typically refers to programs designed to offer loans to minorities and minority-owned businesses. Some of these programs target geographic areas designated as underserved by traditional funding sources, while others are not location-specific.

What are the benefits of a minority-owned business?

Being certified as a minority business owner can enable you to gain access to certain business loan and grant programs (both public and private) along with enhanced access to government contracting opportunities.

Can minorities still get PPP loans?

No — the Paycheck Protection Program (PPP) stopped accepting any new applications on May 31, 2021.

Can I get an SBA loan if I just started a business?

Yes. The SBA’s Microloan program offers funding to startup businesses — you may be able to obtain an SBA microloan for a new business with little history.

Can you get a SBA loan with a 500 credit score?

While the SBA doesn’t specify a minimum credit score for the loan products it backs, SBA-affiliated lenders typically require a credit score higher than 500 to obtain their SBA-backed loans.

How can I get a business loan with bad credit and no collateral?

Most lenders will not accept loan applications from business owners with bad credit who cannot put up collateral. However, if you can employ credit-building strategies and boost your credit to the point where you have fair credit (Merchant Maverick considers a score between 580-639 to be fair), you may be able to find lending options that do not require you to put up collateral.

In Summary: Best Minority Business Loans For Bad Credit

  1. SBA Microloans:
    • Business loans up to $50,000
    • Competitive interest rates
    • Personal credit scores as low as 575
  2. CDFI:
    • Friendly towards women & minorities
    • Flexible borrower requirements
    • Relatively low rates & fees
  3. Lendio:
    • Loan marketplace network
    • No fee for the service
    • Loans matched to your needs
  4. LoanBuilder:
    • Minimal borrower requirements
    • 2.9%-18.72% fixed fee
    • Requires $42,000 business revenue/year
  5. Fundbox:
    • Credit line up to $150,000
    • Minimum credit score: 600
    • Competitive rates
  6. Kabbage Checking:
    • Lines of credit up to $250,000
    • Approval with fair credit
    • $3,000 in monthly revenue required
  7. Accion:
    • Loans up to $100K
    • Specializes in funding minority-owned businesses
    • Credit score of 550+
  8. Business Center for New Americans:
    • Helping US immigrants & refugees
    • For businesses in the NYC area
    • No minimum credit score or minimum time-in-business requirement
  9. Union Bank:
    • Offers a loan program for minority-owned businesses
    • Loans & lines of credit
    • Need to be in operation 2+ years
Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.

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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.

Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

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