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If you’re a small business owner, you likely enjoy hearing about how well-known companies got their funding and scaled their businesses. Many successful entrepreneurs who share their experiences talk about how they financed their start-ups in creative ways, including some who used personal credit cards to fund their small businesses endeavors. While some of these stories end in success, personal credit cards, with their high interest rates and low credit limits, were never designed to be used to finance a business.
Luckily, today there is a plethora of credit card options for entrepreneurs. In fact, business credit cards can be a valuable tool for small business owners trying to build credit, keep personal and business expenses separate, and smooth over temporary cash flow issues. And as an added benefit, most business credit cards allow you to earn rewards points for certain business-related purchases and come with higher credit limits than personal credit cards.
Still on the fence? Here’s a list of advantages for using business credit cards to help finance your business expenses.
If you feel like a business credit card might be a good fit for you, explore the options, and as always, be advised that the pitfalls of credit card debt apply to business credit cards just as they do to personal credit cards, so make sure to use your credit cards wisely.
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Brandy worked in social media, publishing, and technical writing before joining the Lendio News team. She has a B.S. in Communications from the University of Utah. When she's not writing, Brandy enjoys cooking and traveling.
Blog
9 min read • Aug 15, 2022