Before I give my answer, it’s important to point out that t he hardest way to obtain a small business loan is through a traditional bank. Your best bet is an alternative business lender like the company I founded, United Capital Source . Banks have an extremely low approval rating for small business loans, primarily because borrowers must possess a perfect credit score and have a lot of cash or collateral on hand. A perfect credit score requires a significant credit history featuring no missed payments, no maxed out credit cards, and a low credit utilization rating, which is the percentage of your available credit that is being used. Banks will then examine cash flow since this determines whether your company can make monthly payments while covering regular expenses like rent and payroll. A great deal of businesses, however, tend to pay suppliers before getting they get paid themselves, giving the impression that more money is coming out than coming in. Another reason ...