How to get a loan for private entrepreneurs (without collateral and guarantors) - a guide for beginning entrepreneurs + TOP-10 ways to get private loans in cash

Hello dear readers of the Rich Pro business magazine! In this article we will tell you how to get a loan for entrepreneurs for starting and developing a business, including without collateral and guarantors in cash / non-cash.

After reading the publication from beginning to end, you will learn:

• What types of loans for individual entrepreneurs offer banks;
• What stages will have to be overcome in order to take an IP loan;
• Where can I get a loan to entrepreneurs without collateral and guarantor.

At the end of the article, we traditionally provide answers to frequently asked questions.

The article will be useful not only to the entrepreneurs themselves, but also to those who are only planning to become them. It is not necessary to have plans for obtaining a loan, but to study the publication and be prepared in this matter will be useful. Therefore, start reading right now - it will certainly come in handy in the future!

Read how to get a loan for individual entrepreneurs and where to get a loan for an individual entrepreneur without collateral and a surety in cash in this issue

1. Features of lending to IP

Individual Entrepreneurs (IP) in Russia have a special status:

• Firstly, they are ordinary individuals, therefore they have their rights and obligations;
• SecondlyIndividual entrepreneurs act as business owners, conduct entrepreneurial activities for the sake of generating income.

In different situations, such a dual status can be beneficial or create difficulties for the entrepreneur.

One side, when applying for a loan, individual entrepreneurs, as individuals, can count on appropriate programs. However, checking the solvency of entrepreneurs is carried out more strictly. Banks often refuse those entrepreneurs who fail to prove that their business is reliable.

It turns out that the issuance of IP loans is a difficult and unpredictable area of ​​lending. It is difficult to understand why creditors are immediately denied to some entrepreneurs, and others without loans are given a large amount of loans.

Not everyone understands what the decisions of banks on loan applications submitted by individual entrepreneurs are based on. That’s why it’s important to study what are the ways to increase positive solutions.

One of the main requirements of banks to individual entrepreneurs in the process of considering applications is duration of business. Some lenders require seniority not less than a yearothers enough several months. One requirement remains unchanged - the business must bring a stable profit.

If a citizen was recently employed or registered as unemployed, he will almost certainly be refused a loan for business purposes. In such situations, it’s much easier to get non-targeted loan for individuals.

However, it’s worth considering that the size of the non-targeted loan and the period for which it is issued will be minimal. Moreover, in this case, the entrepreneur is deprived of the opportunity to start a positive credit history as an individual entrepreneur. Thus, access to targeted lending to small businesses will be closed.

An individual entrepreneur must keep in mind that in order to arrange a loan for a large amount, you will have to provide security. It will become a confirmation of solvency for the bank.

As collateral, creditors accept the following property:

• means of transport;
• the property;
• land;
• equipment;
• specialized equipment;
• inventories;
• securities.

After an entrepreneur submits an application for a loan, the bank conducts full analysis of financial and economic activitiesrelated to his business. If it is recognized as profitable and successful, the likelihood of approval of the application will increase.

Difficulties with obtaining a loan arise if the entrepreneur has only recently opened a business. In this case, the show will not work. It is much better if the entrepreneur is able to document the fact of investing in a business, as well as provide competently written business plan.

The bank may require a novice entrepreneur to provide:

• various payment documents (receipts, checks), confirming the acquisition of fixed and circulating assets - materials, equipment and others;
• certificate of ownership or rental agreement necessary for doing business;
• bank statements, confirming money transfers aimed at business development;
• guarantors with a stable income, which can be both employees of companies and successful individual entrepreneurs.

For lending to businesses, including individual entrepreneurs, the following types of loans are most often used:

• factoring;
• investment loan;
• letter of credit;
• leasing.

It is important to choose the right method of lending. In the absence of sufficient financial knowledge, you can turn to professional credit brokers.

It is important to note, that individual entrepreneurs, unlike ordinary individuals, do not attract banks as customers. This is due to the high risk that a financial institution assumes when issuing a loan.

One side, banks usually do not raise questions about the purpose of obtaining a loan by an individual. As a rule, this is a major purchase, home repair, travel and others. Moreover, employees have guaranteed income in the form of wages.

In the same time, the objectives of lending to IP are not so obvious. Their profit is not provided with anything and there are no guarantees of its permanence.

Running your own business always involves risk. Many entrepreneurs face collapse yet BEFORE payback moment. That is why banks require the provision of property as collateral or confirmation of business success.

Large lenders often offer entrepreneurs specialized loan programs. The fact is that such services are an important line in the revenue side of the budget of credit organizations.

However, it is worth considering that the priority in approving loan applications is given to entrepreneurs who have been successfully working in their field for several years.

For start-up entrepreneurs who want to get a loan, there are 2 options:

1. get a consumer loan or credit card as an individual;
2. Do not despair and continue to look for a program for individual entrepreneurs.

It turns out that an IP to get a loan is not easy. Therefore, experts recommend that you carefully study all the nuances of such loans in advance.

Types of bank loans for individual entrepreneurs

2. What loans do banks offer for individual entrepreneurs - 4 main types

Banks lend to individual entrepreneurs in several ways. Described below 4 most popular types of loans for entrepreneurs.

Type 1. Loan for replenishment of working capital

Such loans are used to replenish the working capital of the production process.

The reasons for issuing such a loan, as a rule, are:

• intensive production growth,eg in season;
• desire to buy a significant batch of raw materials, materials or goods at a bargain price, but lack of funds for this.

Traditionally, the repayment period for loans of this type does not exceed 2 years. For its registration, the entrepreneur will have to confirm his solvency. To this end, banks are usually asked to submit business report.

After signing the loan agreement, the entrepreneur is handed out repayment schedule. It is important to strictly follow it, to make payments on time and in full.

Moreover, entrepreneurs are often provided with installment plan on 3 months (especially seasonal business). During this time, funds usually begin to be credited to the account of the individual entrepreneur.

Type 2. Overdraft

An application for such a loan can be submitted Once a year. After this, the funds can be used at any convenient time.

In most cases, overdraft is offered by banks that maintain the entrepreneur's bank account. If the turnover is high enough, collateral for obtaining such a loan is not required.

You should carefully study the loan agreement. One of the most important parameters of an overdraft is repayment period. It can be one or several months.

When the debt is fully repaid, money can be borrowed again. This principle is used throughout the year.

Type 3. Consumer credit for individual entrepreneurs

A feature of this type of loans is the non-target nature. It turns out that the bank does not check the direction of use of funds. This approach greatly simplifies the design and increases the likelihood of loan approval.

Keep in mind that a consumer loan is issued only to individuals. However, due to the special status of individual entrepreneurs, some banks may refuse to issue such a loan.

In most cases, the amount of a consumer loan does not exceed 100 000 rubles. To increase the loan you will need to attract a guarantor or co-borrower. This will allow you to get before 500 000 rubleth. If you need an even larger amount, you will have to provide a quality deposit.

Type 4. Target loan

This type of loan is issued for specific purposes - expansion of trade and production, purchase of a vehicle.

The bank will necessarily require confirmation of the direction of spending. To do this, you can provide checks, payment orders, TCP and other documents.

Usually the amount of such a loan is about 1 million rublesand maturity is about 5 years.

We told about 4main types of loans for individual entrepreneurs. Do not forget that each bank offers its own conditions.

Therefore, you should study the maximum offers in the market, compare them. Only in this case will it be possible to choose the best option.

What factors influence loan approval for an individual entrepreneur

3. What parameters do banks pay attention to when issuing loans to individual entrepreneurs?

Each bank independently develops the requirements for potential borrowers. Nevertheless, we can distinguish a number of parameters that each financial organization takes into account when applying for a loan for individual entrepreneurs.

Parameter 1. Credit history

During the consideration of the loan application for individual entrepreneurs, the bank studies credit history. This is because IP is an individual.

Problems with obtaining a loan will not arise if the following conditions are met:

• there are no delays in loans;
• IP did not declare bankruptcy;
• previously received loans are timely closed;
• there are no existing loans, or they are small;
• there are no claims from the tax office.

Should be considered, that a complete lack of credit history (when loans were not previously issued) does not guarantee approval.

To create a positive reputation, you can issue quick loan through MFIs and close it on time. It is important that the company used for lending transmits information to the BKI (credit bureau).

Option 2. Compliance

When considering applications, the Bank always examines legal status of an entrepreneur. To do this, they will definitely check the availability of debts to the budget for the transfer of taxes, as well as debts to contractors.

In addition, the bank takes into account the following points:

• timely payment of wages to employees of the entrepreneur;
• lack of administrative and criminal offenses;
• property owned by the entrepreneur should not be seized.

Parameter 3. Revenue

One of the main signs of solvency is traditionally considered income level. It is not difficult to confirm it to citizens who work for hire - it is enough to request an appropriate certificate from the accounting department of the employer.

However, the entrepreneur cannot present such a document, so he will have to familiarize the bank with accounting reports about their activities at least for 6 months.

Important! The level of solvency of potential borrowers is the most important requirement of credit organizations. Therefore, the entrepreneur will have to convince the bank that he is able to receive regular stable profits.

However, high income today is not a guarantee that the business will remain successful. Therefore, some banks consider the financial statements to be insufficient grounds for approving a loan.

Additionally, the following evidence of solvency may be required:

• primary documents;
• auditor reports;
• indirect evidence of solvency (eg documents for expensive liquid assets - vehicles, real estate).

Parameter 4. Duration of activity

If the state registration of an individual entrepreneur was carried out shortly before the moment of applying for a loan, approval should not be expected. The only chance to become a borrower in this case is to attract guarantor or provide liquid pledge.

Banks have never been charitable organizations. It is important for them to return the loaned funds with interest without any problems.

Meanwhile, it is impossible to assess the likelihood of repaying a loan issued to an entrepreneur who is working recently. That is why the experience of doing business in most cases should be not less than 6 months.

Banks without fail require potential borrowers to guarantee repayments. Entrepreneurs to obtain a loan must confirm the level of solvency. The circumstances described above are necessary precisely for this.

How to get an IP loan - a guide for a novice entrepreneur

4. How to get a loan for an individual entrepreneur from scratch - 5 main stages of obtaining a loan to a novice entrepreneur

One of the conditions for obtaining loans by individual entrepreneurs is current account. Without it, it’s difficult to track the flow of funds.

However, concluding an agreement on the account is not enough. To get a loan, you have to perform a number of actions. Below is presented instructiondeveloped by specialists.

Stage 1. Registration of a business

Any Russian citizen who has reached the age of majority is entitled to register as an individual entrepreneur.

Also important conditions are that the future entrepreneur should not:

• be in the civil service;
• be declared bankrupt less 12 months ago.

To register an enterprise, you must pay state dutywhose size is 800 rubles.

If a citizen for some reason does not want to register a business on his own, he can contact a specialized company. Naturally, in this case, the costs will increase.

One of the documents required for registration is statement. Its form is legally established. It is important to fill out the application as carefully as possible - errors and typos are not allowed. It is important to study it in advance in order to know what data will have to be specified.

The entrepreneur must understand that the so-called activity codes.

It is necessary to decide in advance what the entrepreneur will do. After that, it is important to study the laws and find the appropriate codes.

Another important stage of registration is tax system selection. If the entrepreneur does not have sufficient knowledge regarding accounting, experts recommend consider using it simplified tax system.

An individual entrepreneur does not have to use a seal in his activity. However, you can order it if you wish. Cost varies by region, manufacturer, and design complexity.

In more detail about how to open IP, we wrote in the last issue.

Stage 2. Preparation of a business plan

The probability of approval of the application is significantly increased if the entrepreneur provides the bank quality business plan. Do not take it lightly - this is a very serious document.

It is a business plan that shows the bank:

• how in the future the entrepreneur plans to develop his business;
• where will the credit funds be spent.

It is important to submit for consideration by a financial organization a concise and, at the same time, non-questioning business plan. Perfect Volume - not more 10 pages.

Read a separate article on this topic - "How to draw up a business plan - a sample with calculations."

Stage 3. Choosing a credit institution and applying

The most responsible step in obtaining a loan, many call bank choice. Today, a huge number of lenders offer programs designed for small businesses. The task of the entrepreneur at this stage is to choose the best option.

Ideally, large, reliable banks with an impeccable reputation should be preferred. It is also important that the location of the offices is as convenient as possible.

There are other important criteria for choosing the best bank:

• the term for carrying out activities in the Russian financial market;
• conditions of lending programs for individual entrepreneurs;
• proposed rates;
• reviews of entrepreneurs who have already issued a loan at a particular bank.

Today it is not necessary to visit the bank office to apply. Most large credit organizations offer to do this on their website. in online mode. This option allows doubting entrepreneurs to send an application to several banks at once.

The information provided is verified by employees. Security services. After that, the bank makes a final verdict on the application. If approval is obtained, the entrepreneur must apply with the necessary documents to the nearest bank branch.

Stage 4. Preparation of a package of documents for issuing an IP loan

Experts recommend preparing a package of documents in advance. Despite the fact that each bank independently develops a list, there are certain securities that require everything.

You should remember a simple rule - than more number of documentsabove the chances of positive decision.

Most often, banks require individual entrepreneurs:

• passport;
• certificate of tax registration (in simple terms, TIN);
• extract from the USRIP should be fresh enough, usually received no more 1 months ago;
• account statement confirming all movements on it;
• tax return for the previous reporting period;
• primary documentation may also be required.

During the verification of the information provided, the bank often requests additional documents.

Worth considering! Get a loan without proof of incomeEntrepreneur is almost unrealistic.

Even if such a loan is issued, the rate on it will be a minimum 5% higherthan traditional.

Stage 5. Getting borrowed money

An individual entrepreneur is unlikely to receive a cash loan. Money under a loan agreement will be transferred to payment account.

If the loan is targeted, the funds will immediately be transferred in payment for the purchased vehicles, real estate, equipment or raw materials.

If you carefully follow the instructions developed by professional financiers, you will be able to get a loan much faster.

5. Where to get a loan for entrepreneurs to open and develop a business - TOP-3 of the best banks

When choosing a credit institution, an individual entrepreneur should not forget that he can use the programs not only for private individuals, but also for individuals.

In the face of a huge number of offers, it is not easy to choose the best option. Can help review of the best offers from bankscompiled by specialists.

1) Sberbank

Sberbank traditionally enjoys the greatest popularity among Russians. He provides loans to both individuals and legal entities, as well as individual entrepreneurs.

You can not ignore the program, which is called «The trust". It is intended for lending to small businesses and entrepreneurs.

The loan amount under the program in question may be from 30,000 to 3 million rubles. The maximum debt repayment period is 36 months. Providing collateral for a loan is not required. The rate is from 16% APR.

Among the basic requirements for the borrower are the following:

• age not less 23 and no more 60 years;
• minimum period of activity as an individual entrepreneur - six months.

2) VTB Bank of Moscow

Those who are just planning to organize their own business are best to arrange consumer credit. VTB Bank of Moscow offers many programs that differ in terms and requirements. Funds received from such loans can be spent on any needs.

In addition, there are several programs designed for lending to individual entrepreneurs.

The most popular are - “Turnover”, “Perspective for business”, “Overdraft”. The bet on them begins from 14% per annum.

3) Alfa Bank

Those entrepreneurs who need funds as soon as possible, experts recommend emphasize on credit cards of this bank.

A rather large grace period is valid for them. This means that when repaying the debt during 100 days interest will not have to pay. At the same time, the grace period also applies in case of withdrawal from the card cash.

An interesting suggestion is the map. "Twins". It combines a debit and credit card. The maximum credit limit is 500 000 rubles.

Alfa-Bank also offers specialized programs designed for lending to individual entrepreneurs. Regular customers of the bank can expect a more loyal attitude and the most favorable conditions.

For a more comfortable comparison of the banks presented, the main lending conditions are summarized in a table.

Table of banks with their conditions for lending to IP:

6. What are the conditions for obtaining a cash loan for an individual entrepreneur

When applying for cash loans to individual entrepreneurs, like any other borrower, a number of requirements are presented.

Despite the fact that each bank has the right to develop them independently, general mandatory conditions can be mentioned.

The main requirements for the borrower are:

1. age from 21 years before 60 years;
2. lack of debt on various deductions in favor of the state, including taxes;
3. registration as an individual entrepreneur not less 12 months;
4. business experience more than six months.

For a bank, issuing a loan to individual entrepreneurs involves a high degree of risk. That is why loan conditions are becoming more stringent. So, the bid will be not less than 17% per annum.

The size of the loan is affected by the availability of collateral:

• in its absence, in most cases the maximum loan amount will be not more 1 million rubles.
• when securing in the form of liquid property, the loan amount will depend on its value.

The period during which you need to return the debt is on average equal to 3-5 years. As much as he can reach 10 years.

In general, it should be borne in mind that the conditions for the provision of funds are most often set individually. It all depends on the characteristics of the borrower, as well as the availability of collateral, including collateral and guarantors.

Ways to get a loan for individual entrepreneurs without collateral and guarantor

7. Where and how to get a loan for individual entrepreneurs without collateral and long-term guarantors - an overview of the TOP-10 options 🗒

Not all entrepreneurs manage to get money at the bank. This process is lengthy and does not guarantee success. Meanwhile, there are other ways to get money on credit. All possible options are summarized below.

Option 1. Contacting the servicing bank

Contacting the bank that leads payment account IP or in which it is open depositsignificantly increases the probability positive decision.

These credit organizations have information that can be used as evidence of solvency.

Option 2. Registration of a consumer loan as an individual

Many banks offer consumer loans with a simplified procedure. Such loans allow you to use the funds at your discretion.

However, it’s worth considering that such programs allow you to get a small loan amount.

Option 3. Bail

One of the most realistic ways to get a loan to an individual entrepreneur is loan secured by property. Real estate, a vehicle, securities and other property may be accepted as collateral.

Important, so that the property belongs to the borrower on the basis of ownership and is highly liquid.

Option 4. Leasing

Leasing is also called finance lease. It allows you to get equipment, vehicles for rent with subsequent redemption.

The chance to get leasing from an individual entrepreneur is large enough, because until the debt is paid, the property is owned by the lessor.

Read more about car leasing for individuals and legal entities in a special issue.

Option 5. Investment funds

Rarely enough, but still found specialized fundswho spend their money on small business development.

However in most cases, they invest in unique and high-tech activities.

Option 6. Help of credit brokers

Brokers are intermediaries between the lender and the borrower. With their help, you can choose the best option, as well as prepare a loan application.

Naturally, brokers charge for their work commission. It is important not to deposit it until the result is obtained, otherwise you can lose money and not get a loan.

Option 7. Loan from loved ones

In search of funds, it is important to explore all possible options. Do not be shy to try to borrow money from friends, relatives and acquaintances.

In this case, you will not have to prove your solvency, prepare documents, wait for consideration. However, today not everyone will agree to lend money without interest.

Option 8. Private investors

Today there are many people who agree to give their money to business development. You can find them on special online forums.

But keep in mind that this option is too different high rates.

Option 9. Overdraft

An individual entrepreneur can issue an overdraft in 2 options:

1. to the current account;
2. to a debit card open to an individual.

The convenience of an overdraft lies in its renewability. It is enough to conclude an agreement 1 time, then to return and borrow money again.

In other words, the bank allows the entrepreneur to spend money in excess of the balance on the account or card within the established limit, which depends on the cash turnover for the last six months.

Option 10. Obtaining subsidies from the state

The subsidy is targeted government assistance to small businesses and individual entrepreneurs. Most often they are represented by municipal and federal programs, as well as business incubators.

Do not forget that soon after receiving the subsidy you will have to submit documentary evidence of the targeted use of funds.

If the amount is not spent in full, will have to return the balance to the state. Entrepreneurs face criminal liability for misappropriation.

An individual entrepreneur should consider all possible options for obtaining a loan. This allows you to significantly increase the chance of a positive decision.

We also recommend reading our article on how to get a loan without inquiries and guarantors, even with a bad credit history.

Useful tips on how to reduce the loan rate for a beginner IP

8. How to reduce the percentage of the loan for individual entrepreneurs - TOP-3 advice for beginner individual entrepreneurs

When applying for a loan, it is important to use all available methods to reduce interest rates. This is especially true for large long-term loans. In this case, even a few percent can save several thousand rubles a year.

Are below expert advice on how to achieve interest rate cuts.

Tip 1. Attract Guarantors

Sureties are one type of collateral. They may include:

• individuals employed and having a stable income;
• successful individual entrepreneurs;
• legal entities.

The guarantor will also have to prepare documents in accordance with the list developed by the bank. The presence of property, deposits and other assets is worth documenting.

It should be remembered that if the borrower refuses to pay the loan, the surety is also responsible for the repayment of the debt and risks its credit history. Therefore, entrepreneurs should not let people who vouch for them.

Tip 2. Offer a bank property as collateral

The pledge helps to convince the bank of solvency, as well as confirm the intention to repay the debt on time.

Lenders without problems accept as collateral real estate, vehicles, expensive equipment.

Tip 3. Use targeted lending programs

If an individual entrepreneur plans to spend borrowed funds for specific purposes - the purchase of equipment, working capital, and business expansion, it’s worth using targeted loan.

Such programs are not common, but the rate on them is usually lower by a few percent.

If you use the tips presented here, you can significantly increase the likelihood of getting a better bet.

9. Answers to frequently asked questions from RichPro.ru

The subject of lending to individual entrepreneurs is quite wide. Therefore, it is impossible to fully cover it in the framework of one publication.

However, a lot of questions arise. To save our readers time, we provide answers to the most popular of them.

Question 1. Where can I get a loan for an individual entrepreneur secured by real estate?

The availability of collateral allows you to increase the likelihood of obtaining approval for a loan application.

Banks offer entrepreneurs several options for secured loans:

1. Consumer loans for individuals. Their size depends on the value of the property provided as security. When buying with real estate funds received, the return period may exceed 20 years. However, some banks do not provide such loans to individual entrepreneurs.
2. Express loans. Their advantage is the high speed of approval and issuance. However, they are also characterized by high interest rates and a small loan amount.
3. Loans designed specifically for individual entrepreneurs. We have to submit a fairly large package of documents, including including financial statements. Due to the high risk, the rates for such programs are quite high.

Bank loans are always the most profitable. However, there are other participants in the financial market who lend money:

1. Pawnshop may issue money on bail. The features of such a loan are a high rate and low estimated value of the property. If you do not repay the loan on time, the ownership of the pledged property will be transferred to the pawnshop.
2. Credit union - A cooperative that has the status of a non-profit organization. It is worth joining if regular cash requirements are anticipated. Loans to members of a cooperative are issued at a lower rate.
3. Microfinance Organizations give out money quickly enough to almost everyone, without conducting a serious check. However, the stakes here are too high and can reach 1% in a day.
4. Private investors represent individuals who lend their money on pre-agreed conditions. However, in the field of private lending there are quite a lot of scammers.

Question 2. How to get a consumer loan for an individual entrepreneur?

Credits intended specifically for entrepreneurs are distinguished by a rather large package of documents. Not every individual entrepreneur wants to collect so many papers, so they decide on registration consumer loan.

However, the traditional procedure for checking solvency when issuing such loans to IP is impossible to apply. Some banks even stipulate in terms of consumer loans that they are not intended for entrepreneurs.

The situation is greatly simplified if the individual entrepreneur is simultaneously employed. In this case, it is possible to indicate exactly this place of work in the application.

Otherwise, most likely, you will have to look for programs specifically designed for business owners. However, in this case additional documents and security.

More information about providing consumer credit in our special publication.

Question 3. Is it worth taking loans to individual entrepreneurs from individuals?

Today, far from all individual entrepreneurs, for various reasons, can get money in debt from banks and other organizations. Therefore, the relevance of private loans is constantly growing.

The attractiveness of private equity loans for individuals is high speed and simplicity of the procedure for receiving money. However, in this area of ​​lending, the percentage of fraud is quite high.

Most often, private loans are issued using the following documents: receipt and loan agreement. They must contain the following information:

• passport details of lender and borrower;
• loan amount and lending currency;
• interest rate, as well as the method of calculating it;
• loan repayment period;
• attracting collateral.

When obtaining a loan from a private person, an entrepreneur should be ready for high interest rate.

The borrower must calculate all expenses in advance and understand whether he will be able to repay the loan in a timely manner. This is especially true of secured loans, because there are risk of property loss.

In addition, before applying for a loan, you should study the maximum information about fraud in the field of private lending. It is important to understand what methods are used by attackers and to learn how to calculate them.

10. Conclusion + video on the topic 📹

For some individual entrepreneurs (IPs), credit becomes the only way to expand (develop) an existing business or open their own business. Before borrowing money, it is important to carefully consider the consequences of such an action.

In conclusion, we recommend watching a video on the topic:

That's all with us!

The team of RichPro.ru website wishes its readers high profits and profitable loans!

Leave your comments, share personal experiences, ask. We will be very happy if you share the article on social networks with your friends. See you soon on the pages of our business magazine!

Watch the video: 20 Easy Ways to Get a Business Loan with Bad Credit (December 2024).