Guide for owners

Getting ready to apply

The mistakes worth skipping, the number worth knowing first, and the questions to settle before you sign anything.

Funding goes better when the hard thinking happens before the application, while nothing is on the line. How much is reasonable to ask for, what kind of money fits the need, and what you’d be promising personally are all easier to answer at your kitchen table than at a closing.

These guides take those questions in the order they tend to come up. None of them asks you to apply anywhere, and none promises you’ll be approved for anything.

Start here

  1. Five mistakes that cost owners before they apply for funding

    A lot of funding trouble starts before the application is sent. These five ordinary mistakes are the usual culprits, and each takes minutes to avoid.

  2. How much business funding could you qualify for?

    There is no single number, because every lender sets its own bar. Here is what lenders weigh first, and how to see the shape of your own answer before anyone asks you to apply.

  3. What a personal guarantee means for you and your business

    Many business loans ask the owner to stand behind them personally. Here is what that means, who gets asked, and the questions to settle before you sign.

Keep going

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