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What Lenders Consider
Establish Your
Organization
Finance Your
Business
Tax and
Licenses
Grow and
Maintain

Capital
Lenders generally equate how much of your own funds you have invested with how serious you are about your business. Larger percentages signal to potential lenders that you are truly serious about your business venture and that you will do everything in your control to make it succeed.

Capacity
Explain exactly how you intend to repay your loan. This includes demonstrating the cash flow from the business, committing to a repayment schedule, and assuring your lender that there is a high probability you will repay the loan. Lenders will also look at your personal and business history (if any). You should be prepared to show your current credit reports.

Collateral
Lenders want to know if you have assets, such as real estate, equipment, or inventory that can be liquidated to repay the loan if you default.

Conditions
State the purpose of the loan. Will the loan be used as working capital? To pay for inventory? To buy real estate? Lenders may also look at the economic conditions within your industry to determine how much they are willing to risk.

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