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        Unsecured Funds Unsecured Funds No personal guarantee &
        no collateral required*
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        Unsecured Funds Unsecured Funds No personal guarantee &
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        Intro To Small Business Loans

        Small business loans are not what they used to be. In the past, the only reputable sources of funding were banks and credit unions. To qualify, you needed flawless personal credit, consistent cash flow, plenty of money in the bank, and at least two years in business. Even if you could qualify, no one had time for the notoriously stressful application process. You had to fill out mountains of paperwork and wait several months just to learn whether or not you’ve been approved.

        As you can imagine, these inconveniences did not give business loans the best reputation. Thankfully, the business financing industry responded by creating a new experience that makes business loans significantly more accessible. There are more products to choose from, the requirements are much looser, and you can access all of them in much shorter time frames.

        In this comprehensive guide, we’ll answer the following questions and more:

        Ready to grow your business? We have the
        right small business loans for you.

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          What Are Small Business Loans?

          Small business loans provide funding that can be used for a myriad of purposes. Some common purposes of business loans include purchasing equipment, ordering inventory, renovating a property, and paying off other existing debts. You can access amounts as low as $10,000 and as high as $10 million.

          With most products, the amount you are given must be paid back within a set time frame. Each business loan product has a cost, so you end up paying back more than you borrow. The amount paid back to the lender can either be determined by an interest rate or a factor rate.

          The requirements and repayment structure are different, depending on the product you choose.

          How Do Small Business Loans Work?

          The type of business loan you choose will determine interest rates, total loan cost, the loan term, and the repayment structure.

          Here is a breakdown of the different types of business loans available to you:

          Business Term Loan

          This is the most popular form of business financing. You make fixed monthly payments plus interest over a set term.

          • Higher borrowing amounts
          • Lower interest rates
          • Longer terms
          • May require a personal guarantee or collateral
          • Borrowers usually need excellent credit and at least two years in business

          SBA Loans

          The US Small Business Administration doesn’t fund these loans, but they do guarantee at least 85% of them. However, that doesn’t necessarily make them any easier to access than bank loans. The repayment structure is the same as a Business Term Loan, though the terms depend on the intended purpose of the funds. Terms usually range from seven years for working capital to ten years for buying equipment and twenty-five years for real estate purchases.

          • Offers some of the lowest rates on the market
          • Offers high loan amounts (up to $10 million) with long repayment terms
          • Long/rigorous application/approval process
          • Usually requires collateral

          Who Qualifies For SBA Loans?

          The SBA’s most popular business loan product is the 7(a) loan. Here are the requirements for eligibility:

          • A minimum personal credit score of 650
          • Minimum FICO SBSS business credit score of 140
          • Less than 500 employees
          • Less than $7.5 million in revenue on average each year for the past three years
          • Personal net income of less than $5 million (after taxes and not counting carry-over losses)
          • A personal net worth of less than $15 million
          • Corporation or LLC with at least 10 employees
          • In business for at least 2 years
          • Annual gross sales of at least $360,000
          • No bankruptcies or foreclosures within the past 3 years
          • No defaults on government-backed loans
          • US citizenship or legal permanent residency
          • No outstanding tax liens
          • No outstanding collection accounts

          Business Line of Credit

          A business line of credit gives you a credit line that you can draw from at any time. You pay interest only on the funds you draw. And as soon as you pay back what you’ve borrowed, that money becomes available again.

          • Provides more flexibility than a Term Loan
          • Typically does not require collateral
          • Can carry additional costs, such as maintenance and draw fees
          • Requires strong credit
          • Best for short-term needs
          • Best for seasonal businesses or businesses with tumultuous cash flow

          How Is a Line of Credit Different From a Credit Card?

          A Business Line of Credit is essentially a credit card with a higher borrowing limit and lower interest rate. In other words, it’s best to use a Business Line of Credit for short-term needs that are too expensive to cover with a credit card. If you used a credit card for these purposes, your credit score would plummet, and your interest rate would skyrocket.

          Merchant Cash Advance

          You get a lump sum of cash upfront. But instead of making one fixed monthly payment, you pay in the form of a percentage of your daily credit and debit card sales, or by a fixed daily or weekly withdrawal from your bank account.

          • Gives you fast cash
          • Does not require collateral
          • One of the most expensive business financing options
          • Best for businesses with high and consistent debit/credit card sales
          • Best for companies that cannot qualify for other options and need funding quickly

          Small Business Loan for Women

          Statistics show that women have a significantly harder time obtaining business financing than men. There are three primary reasons for this:

          1. Women tend to start a business with less personal funding than men, which means women usually have a lower net worth. Lower net worth gives the impression that the borrower won’t be able to make payments should the investment not go as planned.
          2. Female-dominated industries, like retail or hospitality, are seen as risky and low-growth in nature. Traditional business lenders are less likely to work with these industries.
          3. Women tend to have lower credit scores than men, reportedly around 20 points lower. Credit scores have traditionally played a significant role in the approval process.

          To combat unequal access to business loans, we have access to a suite of programs is available to female business owners who have faced these three disadvantages when seeking financing.

          Equipment Financing

          These loans allow businesses to purchase equipment by using the desired equipment as collateral. Terms typically coincide with the equipment’s life span.

          • Borrowing amount, rates, and terms depend on the value of the equipment
          • You may have to make a down payment
          • Best for a business that wants to own equipment
          • If you plan to use the equipment for at least three years, this option may be cheaper than leasing

          Working Capital Loans

          These short-term loans are designed to finance a business’s day-to-day operations and expenses such as payroll, rent, or existing debts.

          • Provides fast cash
          • Does not require strong credit or collateral

          Revenue-Based Business Loans

          This type of financing is similar to a Merchant Cash Advance, but instead of determining your funding and repayment amounts from only credit/debit card sales, the business lender factors in your total monthly revenue.

          • Gives you fast cash
          • Can qualify for more funding than a Merchant Cash Advance
          • Sometimes referred to as a “Business Cash Advance”
          • Best for seasonal businesses or businesses with tumultuous revenue

          Accounts Receivable Factoring

          A/R Factoring is a unique type of business financing. The business sells unpaid invoices (accounts receivables) to the business lender for a discount price. It is now the business lender’s responsibility to collect from your customer. When your customer pays the business lender, you receive the remainder from the first payment, minus fees.

          • Supplies fast cash for your business
          • Very easy to get approved since your customer’s creditworthiness matters more than your own
          • Can be costly when compared to other types of business loans
          • Best for a business with reliable customers with extended payment terms (30, 60 or 90 days)

          Bad Credit Business Loans

          Several types of business loans are available for borrowers with poor or little credit history. Interest rates are on the higher side, and terms usually do not exceed 18 months. The short terms and unorthodox repayment structure makes these loans very easy to repay without damaging your cash flow.

          Examples of Bad Credit Business Loans include:

          • Business Line of Credit
          • Merchant Cash Advance
          • Revenue-Based Business Loans
          • Accounts Receivable Factoring

          Do All Small Business Loans Require Collateral?

          This depends on where you apply. Banks typically require collateral for all loans, even if you have excellent credit. Companies like United Capital Source, on the other hand, have access to programs that do not require collateral. However, if you can provide collateral, it may allow you to access higher borrowing amounts, lower rates, and longer terms. Collateral can also offset issues with credit scores or cash flow.

          Small Business Loan Products Compared

          LOAN TYPES MAX AMOUNTS RATES SPEED
          Merchant Cash Advance $7.5k – $1m Starting at 1.09 1-2 business days
          SBA Loan $50k-$10m Starting at 5% 3-5 weeks
          Business Term Loan $10k to $5m Starting at 5% 1-3 business days
          Business Line of Credit $10k to $250k Starting at 8% 1-3 business days
          Receivables/Invoice Factoring $50k-$10m Starting at 5.8% 1-2 weeks
          Equipment Financing Up to $5m per piece Starting at 5% 3-10 business days
          Revenue Based Business Loans $10K – $5m Starting at 9% 1-3 business days
          Small Business Loan Funding Options The funding options are seemingly endless — from traditional business loans to merchant cash advances. The reality is that whatever type of business loan or funding you decide on, it’s important to make sure the numbers work in your favor and the loan does what it is designed to do — grow your business.
          Getting a Small Business Loan doesn't have to be difficult Getting a small business loan doesn’t have to be difficult. Anyone can apply online for a business loan, get quick approvals and funding in a matter of days. You can actually start the process with a few clicks.

          Of course, the first step on the road to funding your small business is to understand how quickly you need the money, how the money will be used, and how you will repay the loan.

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            What Are The Advantages of Small Business Loans?

            The two main alternatives to business loans are bootstrapping and equity financing. Bootstrapping refers to using only your own money to fund your business. Though you won’t owe any money, bootstrapping limits your ability to capitalize on expensive but lucrative opportunities and recover from unforeseen misfortunes. You might have enough savings to carry your business through one rough patch. But what will you do when this happens again?

            Likewise, you won’t owe any money with equity financing, either. But you will have to sacrifice a portion of ownership and profits. In other words, you are no longer the sole owner of your business. And since the investor or venture capital firm has given you all this money, you aren’t exactly in the position to say “no” to their directions.

            Business loans, on the other hand, allow you to use the money in almost any way you please. You retain complete control of your business. The business loan provider is your partner, not your superior.

            Also, business loans are incredibly easy to access these days. As long as your business is alive and well, you don’t need excellent credit, massive annual revenue, or more than one year in business to qualify for several advantageous options. Most of these options can even be accessed in a matter of days. If you need money quickly, business loans are undoubtedly the way to go.

            Lenders are in the business of lending money to get a return. When you take on debt for your business, you should expect to get a return for yourself. Jared Weitz, co-founder and CEO of United Capital, states:

            “We have many repeat customers because we help our clients make the best of their business financing opportunities by embracing the concept of the Consultative Sale. If our clients thrive, we thrive. We’ve found success in building a culture, rather than solely focusing on building a company. That culture is about high integrity, it’s leaving money on the table if that’s what the right move is for the client, and it’s thinking about yourself last because you understand that if the client does well, they’re going to be your client for a long time.”

            Jared Weitz JARED WEITZ CEO of United Capital Source

            What Are The Disadvantages of Small Business Loans?

            Many business owners avoid business loans primarily because they involve debt. Yes, it’s not uncommon for young businesses to unknowingly take on debt they can’t afford to pay back. The risk of this scenario may be even higher now that business loans are so accessible.

            When banks were the only source of business loans, requirements were much more stringent. This is because older and wealthier businesses are logistically less likely to default. They have more experience with managing debt and probably wouldn’t take on loans for the wrong reasons. Nowadays, you can get a business loan with just six months in business. Younger businesses have less experience with managing debt and are more prone to premature growth. And since you can use the funds for a variety of purposes, it’s harder to tell which expenses should and should not be financed with debt.

            Lastly, though businesses can access business loans with poor credit and rocky cash flow, these products will likely be costly. If you don’t choose the right product, high payments could put tremendous pressure on your cash flow.

            Why Small Businesses Use
            United Capital Source To Find Funding

            There are many creative ways entrepreneurs and business owners use loans to grow their business. Here are some of the most prevalent ways to use business loans to achieve your goals:

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              Small Business Loans to purchase inventory Purchase Inventory Many retailers use short-term business loans to purchase needed inventory. This can be a sound way to manage seasonal dips, replenish stock, or try out new products to sell.
              Small Business Loans to purchase equipment Purchase Equipment Equipment can be one of a small business’s biggest expenses. Equipment financing programs can provide the funds to buy or update equipment NOW to help you increase profits quickly.
              Small Business Loans to get working capital Boost Working Capital It takes cash flow to pay your employees, keep the lights on, or make debt payments. Working capital loans can be obtained to help you do just this.
              Small Business Loans to refinance or pay off debt Refinance or Pay Off Debt Consolidating or paying off high-interest loans may be a priority for your small business. Refinancing is a smart way to restructure your debt, decrease your outflow, and increase your profits.
              Small Business Loans to hire staff and employees Hire Talented Staff A small business owner has to wear a lot of hats; sometimes you just get spread too thin. Something will eventually fall through the cracks, and, frankly, you may just need a day off once in a while. Investing money in talent–someone to do your bookkeeping, marketing, or customer service–may be a sound business decision. The right employees can give you time to focus on the big picture, as well as help you increase your revenue. This may very well be worth the loan costs.
              Small Business Loans to scale operations Scale Operations Almost every successful small business owner will see a chance to expand their operation. There are many potential ways to grow your business, such as a move into a new product line, or expanding your business site by relocating or opening a new location. Making these types of changes may require a small business loan so you can take advantage of these opportunities of growth.
              Small Business Loans to cover unexpected costs Cover Unexpected Costs Small business owners are often surprised by sudden, unanticipated expenses. You may find you need extra insurance, permits, or licenses. An expensive piece of equipment may break and needs to be repaired. Inventory may get lost, damaged, or stolen, which makes a small business loan essential.
              Small Business Loans to invest in marketing Invest in Marketing In order for a small business to be successful, investing money into marketing is essential. For example, new small businesses need to make prospective customers aware of their company and its products. Growing businesses must generate leads for their sales teams. Retailers need to boost sales by establishing a strong marketing posture. A small business loan may make good sense to a company’s bottom line: marking equals more sales.

              Ready to grow your business? We’ll find the
              right small business loans for you.

              Apply Now

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                How Much Small Business Funding
                Do You Need?

                For many, the answer to how much money to request from a lender is:
                You can never ask for too much money.

                This isn’t always the best answer. A business can ask for too much money and not qualify or the company can get the loan amount requested, and then realize there’s not enough cash flow to make the payments. Remember: Small business loans cost money. Answering the following questions will help you determine the loan amount that’s best for you:

                What will the small business loan be used for? What will the business loan be used for? This is the most central question, as the answer will affect all other parameters. There are many valid reasons for a small business to acquire a loan, but the most important caveat is: Make sure these funds will help you increase your profits in the future. Generally, funding ongoing losses is a bad proposition.
                When do you need the small business loan? When do you need the money? It can take months for some funding sources to approve a small business loan. You need to determine if a lender’s timing works for you. If you need money in February, but don’t receive approval until May, this obviously will not be an effective loan for you. Take note, there are a large number of lenders out there, many of which are flexible and can fund your business loan request in as little as one or two days.
                How much will the small business loan cost? How much will it cost? Small business loan interest rates vary greatly depending on the type of lender, type of funding program, and the term of the loan. You can check your payments online by simply using a business loan calculator. Just input the funding amount and interest/factor rate. And don’t forget about the closing costs your funding source may charge.

                How long do you need the small business loan for?

                How long will it take you to pay back the business loan? This is where your small business needs to put together a simple financial model on a timetable that will help you determine when your funded project will generate a positive cash flow.

                It’s important to subtract the future loan payment from your company’s current profit to see if it can support the loan payment until you are able to show a return on your investment.

                For example, your company borrows $500,000 at eight percent interest which results in a monthly payment of $6000. The question is: Can your company’s current profit repay at this rate? Further, you could also do an additional test by reducing your profit by 25 percent to see if the monthly loan obligation could still be met if your profits dip.

                How long do you need the small business loan for?

                How much can you afford?

                Your funding source will have debt-to-income (DTI) ratio requirements. They will evaluate your company’s available cash to determine if you can afford to pay back the business loan. This is called your debt service coverage (DSCR). To calculate your DSCR, the lender will need your company’s annual cash flow profit and the monthly payment amount.

                Some lenders will require a personal guarantee and will use any shareholder’s credit score to determine loan approval. A shareholder is generally defined as any person who owns more than 20 percent of a company.

                Some funding sources may also require a shareholder’s personal DTI. They will calculate all shareholder’s total monthly income to their monthly debt.

                How much of a small business loan do you need?

                What are your future needs?

                After you obtain a small business loan, will your company need more funds in the future? This is an important question.

                Some small businesses take out the maximum business loan they can afford now, however, this may not be enough money to fund future needs. This can lead to insufficient cash to grow the company. Therefore, it’s advisable that to project cash flow needs over the next three years before a funding amount is determined.

                This is the time to consider exploring unsecured business loans with flexible lines of credit. These types of funding can be used for debt consolidation, inventory purchases, operations expansion, or increasing working capital.

                When searching for a small business loan, consider applying for 10 to 20 percent more than you actually feel you need, if you can qualify for the higher amount. Expenses are often higher than expected and revenue can take longer to generate than anticipated.

                What are your small business loan needs?

                How To Apply For Small Business Loans:

                The length of the application process depends on the product you choose. However, most products require very little paperwork and can be approved in just a few business days. Below, we’ll explain how to apply for each product, along with the documents they require:

                Step 1: Choose the Right Product

                The first step is choosing the right product for your needs and goals. This should require a decent amount of research, as each product is designed for different financial circumstances and cash flow cycles. Does your business experience occasional dips in revenue? Is your business highly seasonal?

                You should also consider the purpose of the funds. How long will it take you to pay off the loan? This will help us determine the right borrowing amount and terms for you.

                Step 2: Gather Your Documents

                Here are the documents required for each type of business loan:

                Business Term Loan

                • Driver’s license
                • Voided business check
                • Bank statements from the past three months

                SBA Loan

                • Driver’s license
                • Business license or certificate
                • Voided business check
                • Bank statements from the past three months (length of history varies)
                • Credit report/Statement of personal credit history
                • Credit card processing statements (length of history varies)
                • Personal tax returns from the past three years
                • Business tax returns from the past three years
                • Business Plan (Not in all cases)
                • Personal financial statement
                • List of real estate owned
                • Debt schedule
                • Deeds/Title/Ownership documentation for any collateral/security
                • Current Profit & Loss Statements and Balance Sheet Year-to-Date
                • A/R and A/P Reports
                • Lease/Rent documentation

                Business Line of Credit

                • Driver’s license
                • Voided business check
                • Bank statements from the past three months

                Working Capital Loan

                • Driver’s license
                • Voided business check
                • Bank statements from the past three months

                Equipment Financing

                • Driver’s license
                • Voided business check
                • Bank statements from the past three months
                • Invoice for equipment

                Merchant Cash Advance

                • Driver’s license
                • Voided business check
                • Bank statements from the past three months
                • Credit card processing statements from the past three months

                Revenue-Based Business Loans

                • Driver’s license
                • Voided business check
                • Bank statements from the past three months

                Accounts Receivable Factoring

                • Driver’s license
                • Voided business check
                • Bank statements from the past three months
                • Business tax returns
                • Account Receivable Aging report,
                • Accounts Payable report,
                • Debt schedule

                Step 3: Fill Out Application

                You can begin the application process by calling us or filling out our one-page online application. Either way, you’ll be asked to enter the information from the previous section along with your desired funding amount.

                Step 4: Speak to Representative

                Once you apply, a representative will reach out to you to explain the repayment structure, rates, and terms of your available options. This way, you won’t have to worry about any surprises or hidden fees during repayment.

                Step 5: Receive Approval

                If you’re approved, you’ll hear back from us within 24 hours. Funds for Business Term Loans, Business Lines of Credit, Working Capital Loans, Equipment Financing, Merchant Cash Advance, Revenue-Based Business Loans, and Accounts Receivable Factoring should then appear in your bank account in anywhere from 24 hours to one week. For SBA Loans, it usually takes 3-5 weeks to receive funding.

                What If I’m Declined For a Small Business Loan?

                Here’s what to do if you’ve been rejected for a small business loan:

                1. Get an Explanation

                Some business lenders are reluctant to do this. However, the law requires business lenders to mail a notice of explanation to all applicants. If the explanation isn’t clear enough, contact the business lender to obtain as much detail as possible. You must learn precisely what it is about you or your business that gave them the impression that you wouldn’t be able to pay off the loan.

                If you need money right away, you must also determine if your next business lender will reject you for the same reason. That’s why this step is so crucial. Some reasons for rejection are universal, while others are specific to certain lenders.

                To give you an idea of the areas where many potential borrowers fall short, here are some of the most common reasons for business loan denial:

                Low Credit Score

                If you’re applying through a traditional business lender, your credit score is the number one requirement for approval. And though some online business lenders have very low credit score minimums, don’t assume that every online lender works with borrowers with poor credit.

                Little Credit History

                Young businesses tend to have a short credit history. They haven’t had time to establish long records of timely payments. The business owner may have good credit, but only because the business isn’t carrying multiple debts or hasn’t accrued many expenses. Some lenders want to see that you’ve proven your ability to manage various forms of debt and that you know which costs should and should not be covered by debt financing tools.

                Industry

                Traditional business lenders might stay away from certain industries solely because they have a higher risk of failure, or they’ve never worked with them before. Online business lenders, however, are much less likely to discriminate based on this factor alone.

                No or Insufficient Collateral

                Many banks require collateral for all loans, even if you have flawless credit. For these lenders, your collateral must also be the right type and carry sufficient value. Certain types of collateral are easier to sell. Other business lenders might only require collateral for borrowers with subpar credit or rocky cash flow.

                Your Debt Utilization Ratio is Too High or Low

                Many lenders prioritize debt utilization ratio just as much as a credit score. If your ratio is way over 30%, you’ve probably used too much of your available credit. If your ratio is closer to 10%, you probably have minimal credit history and less experience paying back debt. Both scenarios make you a risky borrower. Regardless of where you apply, all businesses should strive for a debt utilization ratio of around 30%.

                Poor Cash Flow

                Business lenders want to see that you have enough money in the bank to cover your operational expenses, pay back your new business loan, and still have plenty left over. If your revenue suggests that you can’t make this happen, traditional products may be out of the question. Instead, you may have to accept a more expensive product that lacks fixed monthly payments. Examples of such products include a Merchant Cash Advance or Revenue-Based Business Loan.

                You’re Not Asking for Enough Money

                Traditional business lenders have little incentive to approve loans under $250,000. It would cost them just as much money as a larger loan, but they’d make less money from interest. Online lenders, on the other hand, specialize in smaller loans and rarely reject applications solely because the requested amount is too low.

                Incomplete Application/Paperwork

                Bank loans require a ton of paperwork. In addition to universal requirements like bank statements and financial statements, banks want a business plan, personal tax returns, business tax returns, legal documents, and more. For this reason, it’s very common for loan applicants to forget to include certain documents or pieces of information.

                If you don’t have the time to compile this paperwork, you’re not alone. Thankfully, most online lenders require just a few documents at best.

                2. Improve Cash Flow

                You may find out that your application was declined because of cash flow-related issues. This is among the most common reasons for rejection. Thankfully, there is always more you can do to improve your cash flow. It’s time to cut expenses, boost sales, chip away at outstanding debts, etc. Not sure which area to focus on most? You can answer this question by figuring out which changes (expenses, sales, debts) would have the most significant impact on your debt service coverage ratio (DSCR). After all, this number shows you how much debt your business can afford to pay off based on its current financial standing.

                But no matter which action you take, you can’t be sure it’s working if you don’t keep close tabs on your finances moving forward. This way, you can give your next business lender a detailed explanation of the improvements you’ve made since your last application.

                3. Consider Alternative Business Financing

                Businesses that need money right away don’t have time to make the improvements mentioned above. In this case, it’s probably best to pursue alternative business lenders that have products for these types of situations. Many of them frequently work with businesses with rocky cash flow, subpar personal credit, and just six months in business. No, you might not be able to access the most favorable rates and terms. But you’ll get the money you need in a matter of days. And if you choose the right lender, paying back the loan won’t damage your cash flow even further.

                On the other hand, your needs and financial circumstances might be better suited for another financing tool, like a business credit card or even a personal loan. Both options can be accessed through UCS and are usually much easier to qualify for than business loans.

                If your credit score is preventing you from accessing financing, you should consider our credit repair services. We can help you identify the issues that are keeping your score down and develop practical solutions for eliminating them.

                Ready to grow your business? We’ll find the
                right small business loans for you.

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                    ub1

                    How Do You Compare The Costs of Different Business Loans?

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                    What Are The Most Common Fees for Business Loans?

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                    Which Factors Determine Your Interest Rate?

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                    What Do You Need To Apply For a Traditional Business Loan?

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                    Can I Get Approved For Small Business Loans With Bad Credit?

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                    When Is a Good Time To Take Out a Business Loan?

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                    What Should I Watch Out For When Choosing a Business Loan?

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                    Which Financial Ratios Should I Know Before Applying?

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                    What Are The Most Common Business Loan Myths?

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