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Need to be a homeowner to get a small business loan?

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If you are considering applying for a small business loan to grow your business then people are probably telling you you need to be a homeowner? In this article we debunk that myth! We will look at why some lenders do require or prefer you to be a homeowner and why Clayton Business Loans is different. There are two main reasons why some lenders require - or at least prefer - you to be a homeowner. The first is as security for the small business loan. The second is as confirmation of your creditworthiness. Let’s look briefly at both of these. Secured loans If you own a property and have a reserve of personal equity tied up in the home, this can be used as security against the loan. From a lender’s point of view it means that should anything go wrong with your business then equity from the home could be used to repay the loan. Securing a loan on your property could sometimes make the difference between yes and no to the outcome of your lending decision. However, if you are e...
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Top 6 Things to Consider When Getting a Small Business Loan

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Businesses may need to spend time analyzing their cash flow to apply for a loan with some lenders. Whether you've just started your small business or have operations quickly expanding, you may need a loan to support your growth. If you are thinking about applying for small business loans, you should carefully decide which loan is right for you.* Here are the six things to consider when getting a small business loan: 1. Your current business and personal credit score  Before you submit your application for financing, you should review your personal and business credit reports. Not only can your credit standing affect your chances for approval for the loan, your costs of borrowing could be high depending on your credit history. Review both your personal and business credit reports to determine whether you should improve your credit before moving forward with your application. 2.  Whether you need collateral As you research your options for small business loans, ...
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Expanding Your Business

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When you see your business on a continual upward trend it may be time to start thinking of expanding your business into a second location. It will give you another location to serve additional customers, and an opportunity for growth. Making the decision to run your own business isn’t for the faint of heart. That is why often times when a business owner finds success with their business they will quickly look into ways to expand. For some this could mean branching out from a large partnership, but for many small business owners it could mean opening a new location. What many do not always know is that with expansion comes A LOT more work, that you may not have accounted for. There are no written rules that state when a business is “ready” to expand into a new location. For many business owners, just like deciding to open a business, it will be a leap of faith. Today we want to discuss some points that may help you determine if you and you’re business are ready to expand into a s...
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