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A Guide To Business Credit For Women, Minorities, And Small Businesses - Part I
By John Helwig
The need for funding is a critical and perennial concern
for the owners of businesses. Indeed, few things are as
crucial to the health of a small business operation. Many businesses are launched by the personal resources of their
owners. But they can quickly reach the stage where the entrepreneur
must look to the credit market for financial help in expanding
operations. The credit industry is an important source of
working funds. However, entrepreneurs may not realize that
applying for commercial credit is a more customized process
than obtaining consumer credit, and requires a great deal of
preparation by the business applicant. This brochure may help
to de-mystify the process and improve your chances of getting
the credit you need.

Types of Loans

Banks and other lending institutions can assist you by
providing funds through personal or commercial credit. Examples
of personal credit include automobile loans, credit cards, and
home mortgages. Business credit includes small business loans; here
are some of the options:

Short-term loans are one of the most common types of
business loans and are usually for less than one year. They can
provide interim working capital for a small business temporarily in
need of cash, and are typically repaid in a lump sum when
inventory or accounts receivable are converted into cash.

Intermediate-term loans are often used for a business
start-up, the purchase of new equipment, expansion, or an
increase in working funds. The maturity dates range from one
to three years.

Long-term loans generally are made for major capital
improvements, acquiring fixed assets, or business start-ups.
The term of the loan runs for periods

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of three to five years
and is usually based in pan on the life of the asset financed.
Repayment is usually made in monthly or quarterly installments.

A line of credit offers you the ability to borrow money
repeatedly, up to your credit limit, without having to reapply.
A line of credit is particularly important to businesses that
experience seasonal fluctuations. The lender generally will
perform a review once a year, at which time the borrower is
asked to provide updated financial statements.

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Stay tuned for part II of this series...

John Helwig is a consumer advocate providing educational information and resources for FREE government grants, government grants for small business, federal goverment grants and loans, and information on how to apply for government grants.. Learn more at Find The Grants.com...

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