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FDIC
FDIC-Insured - Backed by the full faith and credit of the U.S. Government.

Small Business Solutions

Schwab has the small business products and services to help you reach your goals. From retirement plans to short-term loans, the small business solutions you need are here in one convenient place.

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What small business solutions does Schwab offer?

Small business retirement plans

Schwab offers a full range of plans for businesses of any size, from SEP IRAs to 401(k)s. We can help you choose a plan that fits your small business and helps attract and retain employees.

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Organization account

Open a Schwab One® Organization Account for your business and enjoy low trade commissions, $0 monthly service fees, and quick access to your funds.1

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CDs & money market funds

Schwab offers a wide range of small business solutions to help you manage your cash and cash investments, including CDs and money market funds.

Please Note: Certain conditions must be satisfied for FDIC insurance coverage to apply. Charles Schwab & Co., Inc. is not an FDIC-insured bank and deposit insurance covers the failure of an insured bank. Please visit the Schwab CD OneSource® page for a list of insured financial institutions that offer CDs through Schwab.

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Explore Schwab's small business products and services

Margin loans

Get access to cash by borrowing against the securities in your portfolio. The money can be used to purchase securities or for a variety of personal financial needs.

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Service and support

Experience Schwab's award-winning service. As a client, you can reach our investment professionals 24 hours a day. Contact us by phone or online, or visit a branch near you.

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Investment help

Interested in ongoing guidance or a professionally managed portfolio? We can help.

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Ready to get started with Schwab small business solutions?

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An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

1. There is no fee to open and maintain your account. Most Schwab accounts have no minimums. Other account fees, fund expenses, and brokerage commissions may apply. See the Charles Schwab Pricing Guide for Individual Investors (the "Guide") and any amendments to the Guide for comprehensive details on fees.

Margin borrowing involves substantial risk and is not suitable for all investors. It's important that you fully understand your financial situation, the rules of margin borrowing, and conditions that may affect your investments. Please read the margin risk disclosure carefully.

Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio.