One of the most frustrating facts about business is that its hardest to get financing right when you need it most: when your new enterprise is in its infancy.
It’s impossible to get a new business loan by walking into a bank and giving an enthusiastic rundown of your plan, no matter how good your idea happens to be.
If you really want to secure a new business loan, you’ll need a very sold and well-thought-out business plan, and preferably a fair amount of experience in your chosen field. It also helps to have references from previous business associates, or people willing to vouch for your honesty and competence.
If possible, you should find an employee or partner who has extensive knowledge of the industry you hope to enter, preferably in owning and/or managing another successful business. Another must-do is developing your own knowledge of the industry so as to project an image of confidence and experience.
Even if you succeed in promoting yourself as a skilled and competent professional, most lenders will expect to see proof that you have already invested a significant amount of your own time and money in the idea.
It’s always good to come prepared with a rundown of what you’ve already achieved by yourself, and why you need additional financing to take your idea to the next level.
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