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Gizmodo Media Commerce has partnered with The Points Guy Affiliate Network for our coverage of credit products. The interest rate is the price of the loan that you pay the bank for using the money. Accepting credit cards can offer a whole new way to grow your business, offering a larger customer base and greater profits. As part of their underwriting process, lenders often perform background checks on the business owner and major guarantors. Get the information on your credit accounts ready as well because most applications will ask for it.