在建立业务的过程中，您可能需要在某个时候需要小型企业贷款。商业贷款可以帮助您度过困难时期或帮助资助扩展。

获得小企业贷款can be tough. It’s not as simple as applying for a small business loan and then receiving a bunch of money. It’s imperative that you don’t make any mistakes while getting your small business loan.

获得小企业贷款时的错误

在获得小型企业贷款时，您有可能犯许多错误。您的错误可能会阻止您获得贷款。或者，您稍后无法偿还贷款。使用下面的业务贷款提示，以避免在尝试获得贷款时犯错。

缺少付款

如果您错过其他账单付款，那是贷方的危险信号。贷方将看到您的错过付款，并认为您也无法支付商业贷款。

定期还清您的business credit cards，供应商帐户以及向个人或企业信用报告机构报告的其他帐户。确保您的付款准时。您想为自己建立良好的记录。

Letting your account run low

您可能需要一笔贷款，因为您的企业的资金运行较低。但是，您不应该让您的银行帐户过于干燥。

如果您的企业银行帐户几乎没有任何钱，贷方可能认为您没有足够的钱来还清贷款。而且，如果很多钱离开您的帐户，但没有太多的钱，贷方可能会认为您有负现金流量。

Applying for a lot of loans

改善瞧你被接受的机会an, you might apply for a lot of loans. If you apply for a lot, you’re bound to get approved for one of them, right?

申请很多贷款实际上会损害您获得任何贷款的机会。贷方会检查您的小企业信用评分。Each time your credit score is pulled, it takes a small hit. As your credit score gets smaller, lenders will think of you as an unappealing loan candidate.

战略性地申请贷款。仅针对您实际想要的贷款填写小型企业贷款申请。

缺乏计划

并非所有贷方都需要制定正式的商业计划。但是，您仍然应该有一个计划。

您应该了解业务的未来是什么样。弄清楚您的预计支出和增长是什么样的。

最大的商业计划的好处是可以灌输贷方的信心。您的计划表明您不会拿走他们的钱，再也不会被看到。制定计划表明您知道如何使用贷款并偿还。

Looking solely at traditional lenders

When you think about getting a loan, your first thought might be to go to a bank. But, bank loans aren’t a good fit for every business. For example, a bank loan will be more difficult to obtain if you or your business has a low credit score.

查看替代小企业贷方。替代贷方是银行以外的任何贷方。研究在线贷方，信用额度，小型企业的发票保理， 和别的小型企业资助选择。

使用现金预付款

您可以获得现金预付业务贷款。这些贷款类似于个人发薪日贷款。

You have a great potential of drowning your business in debt with a cash advance loan. These loans often have high interest rates and short payoff times. You will potentially accumulate debt faster than you can pay it off. Also, business cash advance loans often take a portion of your future sales, putting your business on financially unstable ground.

您也许可以使用现金预付款贷款并良好。但是，要谨慎，并提前知道完整的条款和风险。

误解全部费用

Comparing two loans can be like comparing apples and oranges. Not all lenders describe their loan terms in the same way, making it difficult for you know the right option for your business.

找出您要考虑的每笔贷款的年度百分比（APR）。APR是您的年费用，包括任何费用。它反映了贷款的总成本，而不仅仅是利率。

You should know the total length of the loan. A shorter or a longer loan might be a better fit, depending on your business’s needs and ability to pay back the loan.

You should also find out if there are any fees for paying off the loan early, called prepayment penalties. Not all small business loans have prepayment penalties. Make sure you read and understand the full terms of your business loan before you agree to it.

未能谈判

商业贷款并不像您想象的那样固定。您也许可以谈判更好的条款，以使您的业务受益，尤其是如果您通过银行获得贷款。例如，您可能能够降低利率或删除费用。

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