#business-credit
Business Credit
Build and manage business credit scores and creditworthiness
Business Credit Card Sign-Up Bonuses Are Worth Up to $2,000 in 2026 — Here's How to Collect Yours Without Wrecking Your Books
Business credit card welcome offers now reach $2,000 cash or 200,000 points, with minimum spends of $3,000–$30,000 in three months. How to match a bonus to your real quarterly spend, understand the personal guarantee, and avoid the commingling mistakes that turn a bonus into an audit risk.
The Community Bank Leverage Ratio Just Dropped to 8%: What It Means for Small Business Credit
On July 1, 2026, the FDIC, Federal Reserve, and OCC lowered the Community Bank Leverage Ratio from 9% to 8%, making roughly 477 more banks eligible for the simplified capital framework and freeing lending capacity at institutions under $10 billion in assets. Here is what the change means for small business borrowers — and how to keep your books loan-ready.
The SBA Just Sunset the SBSS Score — How 7(a) Small Loan Underwriting Works Now
As of March 1, 2026, the SBA eliminated the mandatory FICO SBSS score prescreen for 7(a) Small Loans of $350,000 or less, replacing the single national cutoff (most recently 165) with lender-specific credit models and a new 1.1x minimum debt service coverage ratio — here's what changed, why approval criteria now vary by bank, and how to prepare your financials before applying.
Amazon's Business Credit Cards Moved to U.S. Bank: The $150,000 Rewards Cap and the August 14 Deadline
Amazon relaunched its business credit cards on May 13, 2026, switching from American Express to U.S. Bank on the Mastercard network. The Prime Business Card pays 5% back (3% without Prime) on the first $150,000 in annual purchases, then 1% — and old Amex-issued cards stop working August 14, 2026. Here's the blended-rate math and a transition checklist for your books.
Corporate Cards and Spend Management in 2026: Choosing Between Ramp, Brex, and the Rest After the Capital One Deal
Capital One's $5.15 billion acquisition of Brex, which closed in April 2026, adds integration and roadmap uncertainty to a corporate card market that also includes Ramp, BILL Spend & Expense, and Aspire, so small businesses now need to weigh vendor stability alongside features and pricing.
Business Identity Theft: A Practical Detection and Recovery Playbook for Small Business Owners
A 72-hour response playbook for small business owners facing EIN-based tax fraud, registered agent hijacking, or payroll account takeover — including how to file IRS Form 14039-B, place fraud alerts at Dun & Bradstreet, Experian Business, and Equifax Small Business, and harden IRS, Secretary of State, banking, and payroll footprints year-round.
Business Credit Scores: What They Are, How They Work, and How to Build Them
Learn what business credit scores are, how the major scoring systems (PAYDEX, Experian, Equifax, FICO SBSS) work, and step-by-step strategies to build strong business credit that opens doors to better financing, supplier terms, and more.