Jason Vissers

Unfortunately, business credit cards that lack personal guarantees are few and far between. With how risky a proposition businesses are, issuers just aren’t comfortable handing out credit cards without some sort of extra backing. Still, there may be a few options out there for your business that don’t require a personal guarantee.

Small business owners and the self-employed have faced particular challenges and frustrations, as many were unable to get a PPP Loan during the last round of funding despite applying as soon as the funds became available. The good news is that on April 21, 2020, the US Senate passed a bill authorizing the addition of $310 billion to the Paycheck Protection Program (PPP), which offers forgivable loans to businesses affected by the devastating COVID-19 outbreak. Just know that once it’s signed into law, it might be another day or so before the SBA can reopen the program to new applicants.

On December 27, 2020, a new COVID-19 relief package was signed into law. This package allots an additional $284 billion for a second round of PPP funding, allowing business owners to receive a first or second loan. Applications for this round of funding started the week of January 11, 2021, and will continue through March 31, 2021.

The Ramp corporate card centers around one mission: saving its customers money. Besides its lack of fees, Ramp also includes software designed to help cut costs across the board — potentially saving companies more than just the base 1.5% cash back.

With high borrowing limits, long repayment terms, competitive interest rates, and less stringent requirements than traditional low-interest loans, it’s no wonder SBA loans are highly sought by small business owners.

Ultimately, becoming a Twitch millionaire isn’t something that happens overnight. While there are plenty of avenues to earn money through Twitch, it takes work and dedication to grow a following (with a little bit of luck sprinkled in too!). The money just won’t come unless you have plenty of eyes watching whenever you stream.

Businesses looking to cut out the middle man and make purchases directly from their PayPal business accounts can easily obtain the PayPal Business Debit Mastercard and earn 1% cash back on all eligible purchases. Combine this with the card’s lack of an annual fee, and you have a handy way to earn some extra cash with your business spending without having to worry about interest charges. Do the advantages of using the PayPal Business Debit Mastercard outweigh the disadvantages? Read the rest of our review, so you can make an informed decision that benefits your business.

BILL has made waves in the fintech scene in recent years thanks to its forward-thinking expense software. Whether the BILL Divvy credit card is any good depends on your business. That said, the BILL business credit card offers solid rewards and great perks. The BILL credit card will be best suited for businesses needing a robust spend and expense management solution in addition to a corporate card program.

This corporate credit card, issued for Stripe by the Utah-located Celtic Bank, boasts a 1.5% cash back rate alongside a strong portfolio of extra perks. Plus, as this bit of plastic is a Visa card, your team members shouldn’t have problems using the card worldwide.

Nonprofit organizations have plenty of reasons to sign up for a credit card. Because a nonprofit is technically a business, it may make sense to apply for a business-specific credit card, though there are cards available specifically for nonprofit use as well. Whether you’re looking for a card with no personal guarantee, strong rewards, or something else, discover the best credit cards for nonprofits here.