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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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4 myths about working capital (and why they are wrong)

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Are you interested in applying for business working capital, but have heard things about the process that make you apprehensive? We’re here to set the record straight! There are some myths about working capital that aren’t true; and the reality is that with small business working capital you’ll have extra cash to use for the areas of your business that need upgrading. Read this post, and you’ll be set straight when it comes to working capital solutions: – Myth #1 : It’s the same as getting a bank loan – Many individuals assume that applying for a bank loan and a small business loan from an alternative financing company are similar procedures. It is actually the opposite! Applying for a bank loan can often take months, and you still may not receive the financing that you need. In addition, their qualifications are usually stricter than most lenders. That’s why if you need financing within the immediate future, and don’t want to have to worry about meeting strict requirements, i...
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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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