无论您是新的还是已建立的小型企业主，您都可能在某个时候需要额外的资金。您可能正在翻新，将员工添加到工资单或升级设备。企业贷款可以帮助您支付大笔费用并发展公司。您需要知道如何获得小型企业贷款以及哪种融资选择最适合您。看一下小型企业贷款提示below.

如何获得贷款开始企业

You can pursue either债务基金与股票基金for your business financing. Are you considering financing your startup or small business with a loan? Follow these four steps to getting a small business loan.

1.确定贷款的目的

The first thing you need to do when getting a loan for a business is determine how you will use the money. Evaluate your need for the loan and pinpoint what you will put the funds towards.

您可以通过多种方式使用商业贷款。如果您是新企业家，则可能会贷款开始一家小型企业。或者，您可能是想发展公司的成熟企业主。您也可以使用贷款来赶上日常运营费用。您可能还想创建一个现金储备作为企业贷款的意外成本的安全网。

Once you have a grasp on your intentions for the funds, develop a detailed plan for its use. Lenders want to see that the money will go towards a specific purpose. To convince lenders you will meet financial benchmarks, create a compelling story about your business and be able to explain your plan confidently and clearly.

2.研究你的贷款方案

There are many small business loans options available. Your needs, equity, and credit history are all factors in determining which loan is right for you.

SBA loans

寻找贷款时的一个好地方是Small Business Administration(SBA).SBA loansare available to both operating companies and startups.

SBA不直接借钱。取而代之的是，SBA支持具有部分保证的银行贷款。如果您无法付款付款，SBA承担了一些责任。保证会降低贷方的风险，因此您有更好的机会获得贷款。

SBA 7(a) loan

最常见的SBA贷款计划是7（a）贷款。您可以将7（a）贷款用于各种目的，包括working capital，设备，房地产，翻新和再融资。

To secure a 7(a) loan, you must meet severalSBA贷款要求。您需要为盈利而运营，成为一家小型企业，并有合理的所有者权益, among other factors. Visit the SBA website for a full list ofeligibility requirements。

7 (a)贷款让你借500万美元。The SBA can guarantee up to 85% of the loan for loans up to $150,000. For loans over $150,000, the SBA can guarantee up to 75% of the loan amount.

SBA Microloan

对于较小的SBA贷款选项，您可以申请Microloan。微观人士是获得贷款开始企业的好途径。

Microloan计划的价格高达50,000美元。Microloan的平均金额为$ 13,000。您可以将微货量用于营运资金，inventory，设备和家具。

You can repay microloans for up to six years. Your interest rate will vary, but rates are usually between 8% and 13%. If approved, you need to go to training sessions about how to be cost effective with your loan.

其他融资机会

As a small business owner, you havesmall business funding optionsother than an SBA loan. Depending on your needs, you will want to consider different kinds of loans. The following are common small business purposes for borrowing and the loans you should pursue.

Getting a loan to open a business

It’s very difficult to secure a business loan during your first year of operating. You do not have proof that your business will make a profit, so the risk of lending to you is high. There are some startup business loans available to new business owners.

作为初创公司，您可以追求非营利性微ender。非营利性小额投资商提供小型贷款，以帮助初创企业，小型企业以及贫困和代表性不足的社区取得成功。

即使您的信用评分较差，也许您也可以获得非营利性的微货币。非营利性小额贷款是一项小型企业贷款，可能比传统的银行贷款更快。

如果您未获得贷款批准，请考虑向朋友和家人借贷，开设商务信用卡，取出个人贷款，或众筹。

获得贷款购买设备

您的业​​务可能需要投资新设备。为这些购买提供资金可以通过设备贷款完成。

Equipment loans can be used for vehicles, machines, and other equipment necessary to run your business. The loans give you quick access to money and cover up to 100% of the equipment’s value. Equipment loans have fixed interest rates, meaning the percentage of interest does not change. The payment plan lasts the life of the equipment.

Managing cash flow and daily operations

处理现金的流入和流出可能很艰难。有时，当现金低时，您需要帮助支付费用。要涵盖日常运营，您有几个商业贷款选择。

• 信用额度可让您仅借入所需的钱。类似于信用卡类似，您获得了借贷限额的批准。您可以根据需要使用这笔钱。
• 营运贷款涵盖日常支出，融资率较低。使用这些贷款在业务和几个月中进行季节性变化small business cash flowis lower than usual.
• 发票保理为您提供现金，并用于无偿发票。业务发票保理covers short-term needs when customers are slow to pay.
• Online lenders use formulas based on traditional and nontraditional credit values to decide your loan terms. Usually, online lenders provide funds faster than traditional banks and credit unions.

Growing an existing business

You can expand your company with a business term loan from the bank. Term loans have fixed interest rates. You make monthly payments over a period of years. With a business term loan, you receive a lump sum of cash upfront. Use these loans to invest in your existing business.

3. Choose a lender

商业贷款来自不同的贷方。当您搜索贷方时，请查看年度百分比和贷款的总借贷成本。总借贷成本是贷款加利息的金额。

For the smallest total borrowing cost, try to choose a loan with the lowest annual percentage rate. Also, carefully review the loan terms and be sure you will be able to make regular payments.

You can get a business loan from a bank, nonprofit lender, or online lender. After choosing a type of loan, compare options between several lenders.

• Bank loans work for businesses with collateral, good credit, and no need for immediate funds. As a small business, you might have trouble securing a bank loan. The lower your annual sales and cash reserves, the riskier you are to the bank. Usually, it takes a longer amount of time to get a bank loan than other lenders.
• 非营利性贷方或微贷方提供短期贷款。利率通常高于银行贷款。如果您未获得银行批准，请尝试从微型机器人那里获得贷款。
• Online lenders help small businesses that don’t have collateral and need funds fast. Loan amounts and interest rates vary widely, so shop around before choosing a lender. Though interest rates are often higher than bank rates, you can secure a loan with an online lender faster. It may also be easier to secure a business loan from an online lender than a bank.

与贷方建立关系通常会使确保融资更容易。您可以通过与您要从中借入的贷方开设帐户来建立信任。为了保持您与贷方之间的良好历史，请避免延迟付款和透支。

4.准备与贷方交谈

当您申请商业贷款时，请勿空手将贷方交给贷方。您需要说服他们需要贷款，并且可以偿还这笔钱。

Lenders will request financial information about you and your business. You will need to report your annual revenue to prove your business makes money. You will also need your average bank account balances to show how well you manage money.

Report both your personal and business credit histories to the lenders. And, give lenders more information about your finances by providing past tax returns.

创造正式，全面的small business planto give lenders an overview of your business’s financial health. The plan should includefinancial statementsthat report annual sales and profitability. Also, include cash flow projections that predict future influxes in funds.

Provide information about how long you have been operating your business to the lenders. You will also need a personal guarantee to secure the loan. A personal guarantee makes you legally responsible for loan repayment. Your personal property could be at risk if business income doesn’t cover the loan.

Do you need a simple way to keep track of your small business funds? Patriot’svwin.com software is easy to use and made for the nonaccountant. We offer free, U.S.-based support. Try it for free today.

This article has been updated from its original publication date (6/21/2016).