What are the financial institutions the will approve me for a business credit card with only a soft inquiry

Securing a business credit card with only a soft inquiry can be somewhat challenging, as many credit card issuers typically perform a hard inquiry to evaluate your creditworthiness. However, there are a few options and financial institutions that may offer business credit cards with less stringent criteria, potentially including soft inquiries:

**Local Banks or Credit Unions**: Some smaller banks and credit unions may have more lenient application processes and might allow for soft inquiries. It’s worth checking with your local institutions.

**American Express**: In some cases, American Express may use a soft pull for business credit cards if you already have an existing relationship with them.

**Chase Ink Business Cards**: Although Chase usually conducts a hard pull, they might consider using a soft inquiry if you have a strong banking relationship with them.

**Capital One**: While they generally do a hard inquiry, they may at times offer quicker approvals that feel like soft pulls.

**Brex Card**: This card targets startups and companies without credit history. Brex does not generally require a personal guarantee and may use softer criteria for approval.

**Divvy**: Divvy is another modern fintech that offers business credit cards and may have more lenient approval processes.

**Fundbox Business Line of Credit**: Similar to credit cards, this option also typically involves soft inquiries, although it’s technically not a credit card.

Before applying, it's essential to confirm directly with the institution regarding their specific practices regarding credit checks. Additionally, maintain your personal and business credit scores in good standing, which can increase your chances of being approved for a business credit card with favorable terms.