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Service Details
Business Credit Cards For Those Who Are Ready For MORE
What is a business credit card?
A business credit card is a financial tool for businesses. It lets you make purchases on credit, track expenses, and build a separate credit history. This helps with cash flow, separates personal and business expenses, and often gives rewards or benefits for your business.
How does a company credit card work?
A company credit card allows authorized people to buy things for the business without waiting for reimbursement. Cardholders, including employees or other authorized users make purchases, but the company pays the bill. It streamlines purchasing, simplifies expense tracking, and ensures smoother cash flow for your business.
Why should I get a business credit card?
A business credit card makes managing your business money easier. It keeps your personal and business expenses separate, helps with cash flow, and builds a good credit history for your business. It also simplifies tracking spending, managing employee expenses, and offers special rewards and benefits.
Features
Get all this with business credit cards from Yova
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1. Cards at your door within 10-14 days
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2. Funding up to $500K!
And that's only with one bank. Nobody says you can't go to another bank and get another $100K-$250K. Plus, credit limit increases every 6 months (if you ask for it)
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3. No interest for the first year
Yes, you read that correctly. No interest for the first year. Hold that Mr. MCA
Work Process
All you need to qualify
Startups Approved
Why not start a business on other people's money? That's what it's here for. Chase your startup dreams
Credit Score
Now, if you're going to use other people's money...you better have good credit. These CCs require a strict 730 score. (700 in some cases)
14 Days Of Patience
We'll move as fast as we can but we can't rush the mailman. Usually 14 days is all it takes
Just 3 steps to get this
funding started!
General FAQ
Frequently Asked Questions
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1. How do I apply for a business credit card?
The application process for a business credit card differs by provider. You'll need to provide personal and business details such as your business's legal name, monthly turnover, and address.
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2. How does a business credit card work?
A business credit card works the same way as your personal credit card but instead of being issued to you for your everyday household needs, it is issued to your company for business related expenditures only. A business credit card helps finance short-term needs, boosting your company’s purchasing power. Business credit cards can also be issued to your staff in charge of business expenses, with spending restrictions and thorough transaction histories.
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3. Do I need a personal guaranty to apply for a business credit card?
Yes, many business credit cards, require a personal guaranty.
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4. What is the difference between small business credit cards and corporate cards?
Small business credit cards typically offer lower interest rates, higher credit limits, and more flexible terms compared to corporate cards. When it comes to rewards, small business credit card holders earn them personally, while corporate card rewards are earned by the business. With a small business credit card, the primary cardholder is responsible for any debt and fees incurred, while with a corporate card, the company is responsible for all expenses. Additionally, corporate cards require the balance to be paid in full each month, while small business credit cards allow carrying a balance.
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5. What will the APR be on a business credit card?
The APR (annual percentage rate) on a business credit card can vary depending on the card issuer and your creditworthiness. Generally, business credit cards tend to have higher APRs than personal credit cards. It's important to read the terms and conditions carefully before applying for a business credit card. However, the first year is 0% depending on the bank!
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6. Can you build credit with a business card?
Yes, business credit cards are a great way to build credit, and there are a few key ways that they do this. One is by reporting the card activity to business credit bureaus. This helps build a credit history and establishes the business’ credit risk. Additionally, using the business credit card responsibly can help improve the company's overall credit score. Finally, paying off the balance in full each month demonstrates financial responsibility and can help boost the business's creditworthiness.