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How do I get my first business loan?

Start by checking your personal credit score and correcting any errors. Open a business checking account and ensure all business income flows through it. Apply for a business credit card to start building business credit. After 6+ months of documented business revenue, apply with online lenders first (easiest approvals), then use that track record to qualify for bank or SBA financing within 12-24 months.

Capital Brief

Weekly lender rates.No noise.

Every Thursday: rate changes across SBA, MCA, and term loans, fresh lender reviews from our analyst desk, and funding opportunities surfaced before they close.

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