Choose what you want to do. Start with a focused recommendation, then compare the details and alternatives.
Find my starting point6 starting recommendations. All 33 options are available below.
Choose a goal above for a focused recommendation and an alternative. Fit matters; these are starting points, not guarantees of approval.
Build credit
For thin or rebuilding credit when you want to add installment payment history.
Best for: People with thin or rebuilding credit who want an installment account without a traditional loan application.
Consolidate debt
For stronger credit and income profiles looking to compare debt-consolidation terms.
Cal’s documented result: $51,000 approved with same-day funding. Individual results vary.
Best for: Borrowers with stronger credit and income who want to review a potential offer before completing a full application.
Find business funding
For established businesses with consistent revenue seeking working capital.
Best for: Established businesses with consistent revenue that want faster access to capital than a traditional bank process may provide.
Open a business account
For startups, agencies, and digital businesses looking for business banking tools.
Best for: Startups and digital businesses that want online banking, team access, and virtual-card features.
Set up payroll
For businesses that want established payroll, tax-filing, and HR support.
Best for: Businesses that want established payroll infrastructure, tax filing, and room to add broader HR support.
Spend Management
For businesses that want corporate cards, expense management, and tighter control over company spending.
Best for: Businesses that want corporate cards with built-in spend controls and no personal guarantee, plus tools to automate expenses and finance workflows.
Compare the complete directory. Featured providers may appear again here so you can review all options together.
Savings Accounts
Compare savings accounts designed to pay more interest than many traditional checking or savings accounts.
Best for: People who want their emergency fund or idle cash to earn more while remaining accessible.
Installment Account
A credit-building installment product designed to add payment history while providing access to educational content.
Best for: People with thin or rebuilding credit who want an installment account without a traditional loan application.
Credit Mix
A credit-building membership that combines revolving and installment-style reporting tools.
Best for: People trying to strengthen both payment history and credit mix from one platform.
Credit Account
A low-cost credit-building platform with account reporting and optional tools such as monitoring or rent reporting.
Best for: People who want a small monthly credit-building product and simple app-based management.
Secured Card
A secured credit-building card connected to a Chime Checking Account, with no annual fee advertised.
Best for: People comfortable using Chime for banking and setting aside money before spending with the card.
Credit Monitoring
A credit and identity monitoring platform with ScoreBoost™, ScoreBuilder®, financial alerts, data-broker removal tools, and fraud protection features.
Best for: People who want credit monitoring plus tools to manage utilization timing, review report issues, watch financial activity, and reduce exposure on data-broker sites.
Personal Loan
Check potential personal-loan terms for debt consolidation, home projects, or other major expenses, with available loan amounts displayed from the current SoFi data feed.
Best for: Borrowers with stronger credit and income who want to review a potential offer before completing a full application.
Loan Comparison
Use one form to compare potential personal-loan offers from multiple participating lenders.
Best for: People who want to compare lenders instead of applying separately with one company at a time.
Alternative Underwriting
A personal-loan platform that may consider employment, income, education, and other information alongside credit history.
Best for: Borrowers who want to see whether broader underwriting factors improve their available options.
Car Insurance
Compare potential car-insurance options from participating providers through one quote request.
Best for: Drivers whose credit, driving profile, location, vehicle, or coverage needs have changed since their last quote.
Debt Relief
Compare debt-relief providers that may negotiate or restructure eligible unsecured debts.
Best for: People with significant unsecured debt who have reviewed less disruptive repayment options first.
Business Funding
Explore potential business loans, lines of credit, and other financing through SoFi’s business-financing marketplace.
Best for: Business owners who want to compare potential funding options through one application flow.
Business Financing
A business-funding provider offering working capital, term loans, lines of credit, equipment financing, and other financing options.
Best for: Established businesses with consistent revenue that want faster access to capital than a traditional bank process may provide.
Business Financing
A small-business financing provider offering working capital, term loans, lines of credit, equipment financing and leasing, and other funding options.
Best for: Established businesses with steady revenue that want a fast online funding process and access to multiple financing products.
Spend Management
A corporate-card and spend-management platform that combines cards, expense management, bill pay, procurement, travel, and finance automation.
Best for: Businesses that want corporate cards with built-in spend controls and no personal guarantee, plus tools to automate expenses and finance workflows.
Spend Management
A business charge card and spend-management platform that brings employee cards, travel bookings, and company expenses into one Engine dashboard.
Best for: Businesses with employees who travel or spend on the company’s behalf and want centralized controls, rewards, and expense visibility without a personal credit check.
Spend Management
A corporate-card and expense-management platform with employee cards, budgets, virtual cards, and administrative controls.
Best for: Teams that want to control employee spending and automate expense tracking from one platform.
Working Capital
A working-capital product based more heavily on business revenue than traditional personal-credit underwriting.
Best for: Established businesses with consistent monthly deposits that need flexible working capital.
Startup Banking
A financial-technology platform offering business banking tools commonly used by startups and online companies.
Best for: Startups and digital businesses that want online banking, team access, and virtual-card features.
Multi-Currency Banking
A global business-account platform for managing multiple currencies, international transfers, corporate cards, and cross-border payments from one dashboard.
Best for: Online businesses, agencies, and teams that receive, hold, or send money across multiple countries or currencies.
Business Banking & Tax Tools
Business banking built for freelancers and self-employed owners, with invoicing, expense tracking, bookkeeping, and tax-planning tools.
Best for: Freelancers, contractors, and one-person businesses that want banking and basic financial organization in one app.
Business Checking
Online business checking with subaccounts, payments, debit cards, and tools for managing operating cash.
Best for: Small businesses that want online banking, multiple money buckets, and built-in payment tools.
Monitoring & Tradeline
A business-credit membership with credit reports, monitoring, checking tools, and tradeline-reporting features.
Best for: Business owners who want to watch commercial credit reports while adding an eligible reporting account.
Digital Bank
Digital business banking designed for entrepreneurs, startups, and companies that prefer online account management.
Best for: Founders who want digital banking tools without relying on a traditional branch network.
Small Business Account
An online business account with budgeting envelopes and integrations for common small-business platforms.
Best for: Owners who want to organize operating expenses into separate digital budget categories.
Online Checking
Online business checking with invoicing, transfer tools, and integrations aimed at freelancers and small businesses.
Best for: Solo business owners and small teams that want simple online banking and app integrations.
Payroll & HR
Payroll and workforce-management tools for businesses that need tax filing, HR, benefits, or more advanced support.
Best for: Businesses that want established payroll infrastructure, tax filing, and room to add broader HR support.
Accounting
Accounting software for tracking income, expenses, invoices, taxes, and other core financial records.
Best for: Businesses that want established bookkeeping software with broad accountant and app support.
Small Business Payroll
Payroll, tax-filing, onboarding, contractor, and benefits tools built for small and growing teams.
Best for: Small businesses that want a streamlined payroll experience with employee onboarding tools.
Accounts Payable
A business-payment platform for paying vendors, suppliers, and contractors by bank transfer, card, or check options.
Best for: Businesses that want more control over how and when vendor bills are paid.
Privacy Focus
A business-formation and registered-agent provider known for privacy-focused support and address protection options.
Best for: Owners who place a high priority on registered-agent support and keeping a personal address off some public filings.
Legal Services
A broad online legal-services platform offering business formation, document templates, and access to attorney services.
Best for: Owners who want a recognized provider with formation and other legal-service options in one place.
Small Business Coverage
Small-business insurance options that may include general liability, professional liability, and industry-specific coverage.
Best for: Independent professionals and small businesses comparing common liability policies online.
No matching recommendations. Try a broader search or reset your choices.
Run the numbers first. Use a free calculator, assessment, planner, or tracker to understand your position before you apply, borrow, or open a new account.
Find the tool that matches what you are trying to solve, then return here when you are ready to compare providers.
Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which cal barton cashback will earn an affiliate commission or referral bonus. cal barton cashback is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Expiration Disclosure: The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
