Professor Ralph Giraud Explores Financing Options for Entrepreneurs in WalletHub Feature


Rutgers School of Business–Camden Instructor of Finance Ralph Giraud, M.S., was recently featured in a WalletHub article examining the best business credit cards for new businesses.
In the article, Professor Giraud discusses the role credit cards can play in helping entrepreneurs manage day-to-day operating expenses, particularly when traditional business loans may not be available or practical for smaller funding needs. He also highlights important considerations for business owners when evaluating financing options, noting that while credit cards offer flexibility and typically do not require collateral, business loans may provide a lower-cost source of financing depending on a company’s needs.
Professor Giraud also advises new business owners to understand how credit limits can grow alongside their businesses and to carefully evaluate fees, rewards programs, and other cardholder benefits when selecting a business credit card.
His insights provide practical guidance for entrepreneurs navigating early-stage business financing decisions.