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Every day, Main Street businesses wrestle with the challenge of finding the cash to finance growth or use as working capital. The local banker often wants a credit score of 720, three or more years in business, and a fat savings account. No wonder local bankers approve only 10% of loan applications.
Getting a Business Loan: Financing Your Main Street Business shares something your local banker might not want you to knowsmall business owners have options. And this book describes those alternative lending sources in detail, as well as traditional sources of funding like banks and credit unions.
Half of all business startups dont make past theirfifth birthdayand often because they cant find the financing required to sustain their operations. Whether you own a small restaurant, a bicycle shop, a hardware store, a small manufacturing company, or a service business, Getting a Business Loan offers easy-to-understand descriptions of loan options that can keep you going, as well as practical advice on where to look for money and how to apply.
What would you do with an extra $40,000? Expand your restaurant? Hire a new employee to fulfill a new contract? Buy a needed piece of equipment? Getting a Business Loan will:
- Detail how bankers look at you and your loan application
- Explain the menu of non-bank financing options available to business owners, like asset-based lending, factoring, merchant cash advance, local hard money, and more
- Show how tolocate potential lenders via the Internet and other means
- Show how to prepare before you visit the lender or fill out an application
- How to speak to your banker about a loan
- The different types of loans available at your local bank or credit union
- How to qualify for an SBA loan
- Alternative financing options, where to find them, and how to apply
- Using the Internet to find money for your business
- What to do if you dont qualify
- Options for business owners in dire straits
Getting a Business Loan is for the 7 million+ Main Street business owners with fewer than 100 employees, the backbone of the American economy.
- Format: Pocket/Paperback
- ISBN: 9781430249986
- Språk: Engelska
- Antal sidor: 212
- Utgivningsdatum: 2013-12-09
- Förlag: APRESS