Go with cards that have the less fees and lowest rates.

As a small business owner, you should look for cards with the lowest interest rates. Make sure you also do a comparison of the rewards, offers and fees attached to using those services. View the whole package and see what makes sense and what’s important for your business. Don’t hesitate to call your credit card company for better terms.

Be wary of utilizing your own credit cards for business.

While a lot of entrepreneurs may be used to commingling business and personal funds, the habit of using personal cards for business expenses shouldn’t be taken lightly. While there are protections implemented on the consumer side, it would still be wise to follow guidelines to protect your credit score so make sure you avoid late payments each month.

Consider using a charge card.

Experts recommend that entrepreneurs us a charge cards rather than business credit cards. These cards offer rebates and discounts of one percent or more. The only disadvantage of this card is that they cannot be used to carry balances from one month to the next month.

Try peer-to-peer lending.

After the recession and credit crunch, banks are still pretty cautious about extending loans and financing small businesses. Today, there are an increasing number of borrowers looking for financing online such as peer-to-peer lending. Companies like Lending Club and Prosper provide a wide variety of loan amounts and lending services. Using a social networking format, entrepreneurs can plead their case to investors directly.

So make sure you shop around and consider all your options. Be an aggressive business owner. After all, you are your own company’s best advocate.