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Business Loans


  What is a business loan?

These types of loans are made by many institutions and they have a set of requirements that must be met. They will typically review your financials and require a personal guarantee on the loan. Some require putting up other assets as collateral. The most common of these is the SBA (Small Business Administration) loan.

Before inquiring about financing, ask yourself the following:

How do you define your need? Do you need money to expand or as a cushion against risk?
Do you need more capital or can you manage existing cash flow more effectively?
How urgent is your need? You can obtain the best terms  when you anticipate your needs rather than looking for money under pressure.
In what state of development is the business? Needs are most critical during transitional stages.
For what purposes will the capital be used? Any lender will require that capital be requested for very specific needs.  
How great are your risks? All businesses carry risks, and the degree of risk will affect cost and available financing alternatives.
How strong is your management team? Management is the most important element assessed by money sources.
Is your business seasonal or cyclical? Seasonal needs for financing generally are short term. Loans advanced for cyclical industries such as construction are designed to support a business through depressed periods.
What is the state of your industry? Depressed or stable Businesses that prosper while others are in decline will often receive better funding terms.  
Perhaps most importantly, how does your need for financing mesh with your business plan?  All capital sources will want to see your plan for the start-up and growth of your business.




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