{"id":4512,"date":"2019-02-11T17:48:30","date_gmt":"2019-02-11T15:48:30","guid":{"rendered":"https:\/\/www.lending-express.com\/blog\/?p=4512"},"modified":"2021-01-07T15:19:12","modified_gmt":"2021-01-07T13:19:12","slug":"how-to-get-funding-2021","status":"publish","type":"post","link":"https:\/\/www.become.co\/blog\/how-to-get-funding-2021\/","title":{"rendered":"How to Get Funding for Your Small Business in 2021"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Developing a business from the ground-up is not a task for the thin-skinned or weak-hearted. Starting a company can be the first step towards financial freedom, but achieving lift-off comes with challenges and risks. One of the most fundamental hurdles that need to be cleared from the get-go is figuring out how to get funding. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">New business owners will face a number of difficulties when it comes to securing funds in 2021.<\/span><\/p>\n<p><b>Difficulties in securing funds include:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Creating a scalable business model<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Making plans for the future, and aligning goals with the budget (and vice versa)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Determining the right loan amount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Finding investors that fit well with the business\u2019s mission statement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Building a network with strong connections<\/span><\/li>\n<\/ul>\n\n<p><span style=\"font-weight: 400;\">Below, we provide information and insights regarding small business lending trends so we can show you how to get funding for your business. Keep reading to discover more&#8230;<\/span><\/p>\n\n<h2><span style=\"font-weight: 400;\">The small business economy in 2021<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"https:\/\/www.sba.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">United States Small Business Association (SBA)<\/span><\/a><span style=\"font-weight: 400;\">, more than 627,000 new businesses set up shop every year. At the same time, roughly 595,000 business shut down annually. That\u2019s staggering, but what is more concerning is the whopping 20% of new companies that aren\u2019t able to make it through their first year in business. And while that might not sound so bad, the other 80% shouldn\u2019t let their guard down so quickly; 50% of new businesses don\u2019t make it past their fifth year in business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another interesting point worth highlighting is the fact that these statistics are rather consistent from one year to the next. In other words, the survival rate of new businesses is not dramatically affected by larger economic fluctuations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is important to note since many prospective business owners will want to wait for \u2018the right time\u2019 to make the leap of faith. The lesson is, if you\u2019re thinking about starting a business, you should be more concerned with having a strong business plan than you are concerned with the state of the economy. A successful business will weather the storms that eventually come, so focus on building a strong business foundation that can resist the sands of time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re not sure how to go about it, you can start getting prepared with the section below. Scroll down to learn more about why some small businesses fail.<\/span><\/p>\n\n<h2><span style=\"font-weight: 400;\">Why do some small businesses fail?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While it\u2019s useful to know how many businesses survive and how many fail, what\u2019s more useful is knowing <\/span><i><span style=\"font-weight: 400;\">why<\/span><\/i><span style=\"font-weight: 400;\"> some businesses do better than others. Below, we\u2019ll describe six of the top reasons why some small businesses crash and burn.<\/span><\/p>\n<p><b>Top six reasons why businesses fail:<\/b><\/p>\n\n<h3><span style=\"font-weight: 400;\">1. Lack of preparation<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">We have a saying here at Become: \u201cPreparation plus opportunity equals success.\u201d There\u2019s plenty to prepare for when you\u2019re drawing up plans to <\/span><a href=\"https:\/\/www.become.co\/blog\/best-loan-options-for-startups-and-new-businesses\/?s=start+business\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">start a business<\/span><\/a><span style=\"font-weight: 400;\">. Many small businesses flatline because they simply failed to plan ahead for the demands of running a company. And, on the contrary, every successful venture started off with a reliable strategy for how to remain in the game.<\/span><\/p>\n<p><b>Key points that businesses should prepare include:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Assessment of competition<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A clear mission statement, with specific <\/span><a href=\"https:\/\/www.become.co\/blog\/how-to-perfect-decision-making-in-business-and-achieve-business-success\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">goals and plans<\/span><\/a><span style=\"font-weight: 400;\"> on how to reach them<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Industry research<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Marketing and advertising<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Workforce demands<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Balancing finances<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Managing growth<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Potential obstacles and how to overcome them<\/span><\/li>\n<\/ul>\n\n<h3><span style=\"font-weight: 400;\">2. Lack of funding<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of the most common reasons that small businesses fail is a misunderstanding of how much money they\u2019ll need to keep operating <\/span><i><span style=\"font-weight: 400;\">after<\/span><\/i><span style=\"font-weight: 400;\"> the doors open. Many new businesses miscalculate their funding needs, not knowing that they\u2019ll likely need to cover the costs of their business out-of-pocket for a couple of years before the company\u2019s revenue grows enough to cover the operating costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, you\u2019re likely wondering how to get funding for your business. That\u2019s where Become comes in. Not only does <\/span><a href=\"https:\/\/www.become.co\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Become<\/span><\/a><span style=\"font-weight: 400;\"> have dozens of lending partners that your business may qualify with, but if you <\/span><i><span style=\"font-weight: 400;\">don\u2019t<\/span><\/i><span style=\"font-weight: 400;\"> qualify you\u2019ll learn <\/span><i><span style=\"font-weight: 400;\">why <\/span><\/i><span style=\"font-weight: 400;\">and gain valuable advice on how to improve your funding odds &#8211; for free! You can apply today obligation free to see if you qualify for a <\/span><a href=\"https:\/\/www.become.co\/business-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">business loan<\/span><\/a><span style=\"font-weight: 400;\"> from our lending partners.<\/span><\/p>\n\n<h3><span style=\"font-weight: 400;\">3. Poor choice of location<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As cliche as it\u2019s become, the saying remains true: location, location, location!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your startup\u2019s success depends largely on whether it\u2019s based in the right area or not. Even the most tried-and-tested business plan would fail if it were located in the wrong place. Think about what services or products you\u2019ll be providing, and whether the demand exists in the area you\u2019re looking to open shop.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><b>Questions to consider when choosing where to open your business:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Where are your competitors located?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Where are your customers located?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How successful have other businesses been in that location?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How is the traffic? Parking? Accessibility?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Is the area safe? Clean?<\/span><\/li>\n<\/ul>\n\n<h3><span style=\"font-weight: 400;\">4. Poor online\/social media presence<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In our world of smartphones and instant access to virtually everything, if your business isn\u2019t online then &#8211; for all intents and purposes &#8211; it basically doesn\u2019t exist. Okay, maybe that was an overstatement, but the principle remains true. If a potential customer were to hear the name of your business, how would he or she be able to find out more?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chances are, they don\u2019t want to make a phone call and speak with a representative just to get a clearer idea of what your business is all about. Even the most basic website design would provide clients with the standard info they\u2019d be looking for: what you do, how long you\u2019ve been around, where you\u2019re located, how to contact you, and so on. If your business doesn\u2019t <\/span><i><span style=\"font-weight: 400;\">at least<\/span><\/i><span style=\"font-weight: 400;\"> have a website, you\u2019re doing yourself a tremendous disservice by severely limiting people\u2019s ability to connect with your company.<\/span><\/p>\n<blockquote>\n<p><b>Top tip: <\/b><span style=\"font-weight: 400;\">Tools to build a website include <\/span><a href=\"https:\/\/www.wix.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Wix <\/span><\/a><span style=\"font-weight: 400;\">and <\/span><a href=\"https:\/\/wordpress.com\/create\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">WordPress<\/span><\/a><span style=\"font-weight: 400;\"> &#8211; no excuses now! There are also plenty of <\/span><a href=\"https:\/\/www.become.co\/blog\/free-tools-every-small-business-should-use\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">free business tools<\/span><\/a><span style=\"font-weight: 400;\"> that you can use to improve online presence. <\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400;\">If you\u2019ve established yourself a website, the next step is to get on social media. Facebook is the most fundamental of all social media platforms and is nearly as important as having a website. After you\u2019ve set up a Facebook page for your business, you can easily expand to other platforms such as Instagram, Twitter, and even Linkedin.<\/span><\/p>\n\n<h3><span style=\"font-weight: 400;\">5. Issues with management<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Management issues are something that most new businesses are confronted with, but many are unprepared to handle them effectively. New business owners are often inexperienced in areas of management that have a critical impact on success and survival, including finance, buying and selling, selecting employees, and so on.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even if you\u2019ve received formal business education, the practice of managing is a challenge for someone without real-world experience. If you haven\u2019t started sharpening your management skills, start learning today, or be prepared to outsource for the expertise you lack.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Management doesn\u2019t end there. Getting the business running is just the start &#8211; as a manager, you must stay up-to-date on industry trends, current events, the state of the market, customer data, etc. This will help you stay focused in the right direction, organized in your business plan, and in control of your company\u2019s performance. If you\u2019ve been fortunate enough to get your business established, the last thing you want to do is put it on the backburner.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Lastly, what usually comes to mind when people hear the title \u2018manager\u2019 is the person in the workplace that leads the team. The manager should be good at fostering a positive work environment by keeping the energy up, hiring employees that fit well with the team, moderating internal disputes, and continuously thinking of ways to better the business strategy in new and productive ways.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All of these skills come with time and experience, so don\u2019t put too much pressure on yourself if you\u2019re still new to business management.<\/span><\/p>\n\n<h3><span style=\"font-weight: 400;\">6. Wrong reasons for starting the business<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you were growing up, chances are high that you were taught some sort of \u2018golden nugget\u2019 of work advice along the lines of \u201cIf you love what you do, you\u2019ll never work a day in your life\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s great to enjoy what you do for a living, but the reality is enjoyment doesn\u2019t pay the bills. But the opposite is true as well &#8211; getting the bills paid doesn\u2019t equate to happiness in life. Many new business owners see their companies fail because they didn\u2019t start for the right reasons, and failed to do their due diligence before opening shop. You shouldn\u2019t go into business because you want to make a lot of money, or because you\u2019re sick of working for other people. Those are good motivators for action, but not sustainable as reasons for running a business.<\/span><\/p>\n<p><b>Good reasons for you to start a business include:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You get back up after being knocked down. A successful business owner isn\u2019t one who just avoids difficulties, but one who can bounce back stronger and learn from the past<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You show determination in your pursuits and patience throughout the journey<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You are able to deal positively with people of different walks of life<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You strongly believe in what you\u2019re doing <\/span><i><span style=\"font-weight: 400;\">and<\/span><\/i><span style=\"font-weight: 400;\"> have found a need for your service\/product<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You do well at operating independently, particularly under pressure<\/span><\/li>\n<\/ul>\n\n<h2><span style=\"font-weight: 400;\">Is there inequality in the lending industry?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The unfortunate reality is that prejudices do exist in our world, and the lending industry is no exception. Prospective business owners, regardless of race or gender, struggle with trying to figure out how to get funding for startup businesses. On top of that normal level of difficulty, the added obstacles that some people face on the basis of their identity is truly a shame, to say the absolute least.<\/span><\/p>\n<p><a href=\"https:\/\/www.become.co\/blog\/losing-the-race-race-dont-let-your-background-affect-your-business-loan-eligibility\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Inequality in the lending industry<\/span><\/a><span style=\"font-weight: 400;\"> is measurable. Findings from a<\/span><a href=\"https:\/\/www.federalreserve.gov\/publications\/files\/sbfreport2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\"> 2017 government report<\/span><\/a><span style=\"font-weight: 400;\"> on small businesses show that more than 50% of black-owned firms who applied for a loan from the bank were turned down, despite the fact that black-owned firms were the most likely to apply for a loan from the bank. Moreover, black-owned businesses were the most likely to fail at obtaining full-funding from a bank, and they were more than 10% more likely to fail than the next-highest group.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Women are also victims of prejudice, according to the same report &#8211; \u201cfemale-owned firms were slightly less likely to apply than their male counterparts but more likely to be turned down.\u201d And the opposite was true as well. The authors found that, despite the fact that male-owned businesses were less likely to apply for a loan than female-owned businesses, the approval rates were similar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These findings are absolutely something to be concerned about, so what can be done to lessen the effects of prejudice on your chances of getting approved for a business loan? That\u2019s one place where Become can proudly offer up a real solution. Simply put, the digital lending services provided by Become totally take the loan applicant\u2019s personal identity out of the equation, because it shouldn\u2019t have been in the equation to begin with!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our technology assesses relevant factors to your business\u2019s fundability, including credit score, monthly revenue, time in business, etc. If before you were wondering how to get funding for a business, you now have a viable course of action.<\/span><\/p>\n<p><b>See the complete list of funding factors below:<\/b><\/p>\n\n<p><img decoding=\"async\" class=\"aligncenter  wp-image-4519\" src=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Funding-Factors-1-300x161.png\" alt=\"\" width=\"654\" height=\"351\" srcset=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Funding-Factors-1-300x161.png 300w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Funding-Factors-1-768x412.png 768w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Funding-Factors-1-504x270.png 504w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Funding-Factors-1.png 1000w\" sizes=\"(max-width: 654px) 100vw, 654px\" \/><\/p>\n\n<h2><span style=\"font-weight: 400;\">Which industries are most likely to apply for financing?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Small businesses come in all shapes and from a wide variety of industries. We\u2019ve analyzed our data from 2018 and produced the graph below to show you which industries were the most likely to take out a business loan.<\/span><\/p>\n<p><b>From more than 60 industries, we provide you with the top 9:<\/b><\/p>\n<p><br \/><img decoding=\"async\" class=\"aligncenter  wp-image-4520\" src=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Top-Industries_Business-Loans-1-300x169.png\" alt=\"\" width=\"655\" height=\"369\" srcset=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Top-Industries_Business-Loans-1-300x169.png 300w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Top-Industries_Business-Loans-1-768x432.png 768w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Top-Industries_Business-Loans-1-480x270.png 480w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Top-Industries_Business-Loans-1.png 960w\" sizes=\"(max-width: 655px) 100vw, 655px\" \/><br \/><br \/><\/p>\n<p><span style=\"font-weight: 400;\">But what are the reasons that small businesses in some industries seem to know how to get funding more successfully than in others? The answer may lie in the nature of those industries which ranked highest on the graph above. <\/span><\/p>\n<p><b>Construction and renovation <\/b><span style=\"font-weight: 400;\">landed in first place, receiving roughly 17% of all loans provided. There\u2019s a constant need for this industry, as cities continue expanding and new residential buildings and offices are needed to sustain growth. This means that, in order to keep up with the demand of the industry, those companies need to hire more workers, buy more equipment, and so on. That explains why the construction and renovation industry is number one with regards to the number of loans taken out.<\/span><\/p>\n<p><b>Transportation and trucking<\/b><span style=\"font-weight: 400;\"> came in second place with approximately 15% of the loans provided in 2018. In case you\u2019re not in that industry and weren\u2019t aware, there\u2019s a huge demand for transporting not only people but goods as well. As mentioned just above, cities are constantly growing, and that requires a steady flow of both material and human resources. Since that demand is neverending, transportation and trucking companies frequently need to enlarge their fleets and hire new drivers, which is why they take out so many loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ultimately, it is important to highlight that the likelihood of qualifying for and receiving a loan from Become is not based on the industry which your business is in. The above statistics represent broad and general small business lending trends. Your individual business\u2019s chances of obtaining funding through Become are based on your tailored <\/span><a href=\"https:\/\/www.become.co\/blog\/?s=lendingscore\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">LendingScore\u2122<\/span><\/a><span style=\"font-weight: 400;\">, which assesses your credit score, the age of your business, monthly revenue, etc. in order to determine your fundability.<\/span><\/p>\n<blockquote>\n<p><strong>One important note:\u00a0<\/strong>Of course, the type of business will affect the kind of\u00a0<a href=\"https:\/\/www.become.co\/loans-by-industry\/\" target=\"_blank\" rel=\"noopener noreferrer\">industry loans<\/a>\u00a0a business needs,\u00a0as well as the specific circumstances that business finds itself in. Be sure to weigh your options carefully in order to choose the right funding solution for your business.<\/p>\n<\/blockquote>\n\n<h2><span style=\"font-weight: 400;\">How to get small business funding in 2021<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We don\u2019t need to tell you how difficult it can be to obtain funding for a startup or small business, but we will. It can be stressful, frustrating, and discouraging. So we\u2019ve produced this section to set your mind at ease and guide you towards improving your chances of getting funded. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The first thing to do is research the different loan options available to see which of them fit your business needs the best. Don\u2019t sweat it, we\u2019ve already done the research for you.<\/span><\/p>\n\n<h3><span style=\"font-weight: 400;\">Best loan options for small businesses:<\/span><\/h3>\n<ul>\n<li><a href=\"https:\/\/www.become.co\/start-up-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">Startup business loans <\/a><span style=\"font-weight: 400;\">&#8211; this is the solution for how to get funding for startup businesses right here; these are particularly helpful if you have the idea for a business, but haven\u2019t obtained the funds needed to put your plan into action. You don\u2019t need to own a business in order to qualify, which offers a great advantage for prospective owners.<br \/><br \/><\/span><\/li>\n<li><a href=\"https:\/\/www.become.co\/sba-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\">SBA loans<\/a><span style=\"font-weight: 400;\"> &#8211; The U.S. Small Business Administration (SBA) <\/span><span style=\"font-weight: 400;\">offers assistance to small businesses by guaranteeing up to 85% of a business loan amount. The \u2018safety net\u2019 that SBA loans provide to borrowers also serves as an incentive for lenders to approve loan applications. So even if you\u2019re unsure whether or not you\u2019ll be able to pay the loan back in full, SBA loans should be taken as a serious consideration.<\/span><\/li>\n<\/ul>\n<ul>\n<li><a href=\"https:\/\/www.become.co\/commercial-business-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\">Commercial business loans<\/a><span style=\"font-weight: 400;\"> &#8211; <\/span><span style=\"font-weight: 400;\">These can be used to cover the initial costs of establishing your business. As opposed to applying for multiple loans, one commercial business loan can cover all costs. Interest rates are typically on the lower end of the spectrum, and repayment terms are long (which means smaller payments).<\/span><\/li>\n<\/ul>\n\n<p><span style=\"font-weight: 400;\">Now that you have a few loan options, it\u2019s time that we explain what you really wanted to know: how to get funding for a business. Luckily for you, we\u2019ve narrowed the process down to just 5 steps to keep it simple and easy.<\/span><\/p>\n\n<h3><span style=\"font-weight: 400;\">5 steps to improve loan approval odds:<\/span><\/h3>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Understand which loan option fits best with your business profile and needs<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Review your financial profile, know your credit score\/history, and correct any errors<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Reduce your debt-to-income ratio, and boost your net income<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Arrange documents in order to provide a cosigner or collateral, if necessary<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Get rid of your existing debt as much as possible<\/span><\/li>\n<\/ol>\n\n<p><span style=\"font-weight: 400;\">Working on those steps will improve your loan approval odds and bring you one step closer to obtaining funding for your business. Yet, as short-and-sweet as that list is, we understand that it can still be a bit confusing to put those instructions to action. The plain truth is, if it were easy you wouldn\u2019t be reading this! That\u2019s why we\u2019re here to provide you with the guidance you\u2019ll need to get your business funded. Keep reading to find out how we use technology to improve your funding chances.<\/span><\/p>\n\n<h2><span style=\"font-weight: 400;\">Improve your funding odds today with LendingScore\u2122!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">LendingScore\u2122 is the name of the technology that we use to provide a financial business profile of your company. We use your company\u2019s financial profile to determine which factors are impacting your loan approval odds. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">As your company\u2019s profile is scanned by our advanced algorithms, different point values are assigned to the different financial factors in order to produce a LendingScore\u2122 (a score based on a scale out of 100). As your LendingScore\u2122 increases you unlock new and better funding opportunities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There\u2019s also the LendingScore\u2122 dashboard which shows you all of the aspects of your business profile along with all of the funding options your business qualifies for. Everything is provided in one place, so you don\u2019t need to log in on multiple websites and you don\u2019t need to click back and forth between different profile pages. <\/span><span style=\"font-weight: 400;\">Best of all, the <\/span><span style=\"font-weight: 400;\">LendingScore\u2122 <\/span><span style=\"font-weight: 400;\">dashboard also provides you with advice on how to fix the factors that are impacting your score.<\/span><\/p>\n\n<p><img decoding=\"async\" class=\"aligncenter  wp-image-4521\" src=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Dashboard-1-300x210.png\" alt=\"\" width=\"654\" height=\"458\" srcset=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Dashboard-1-300x210.png 300w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Dashboard-1-386x270.png 386w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2019\/02\/Dashboard-1.png 753w\" sizes=\"(max-width: 654px) 100vw, 654px\" \/><\/p>\n\n<h2><span style=\"font-weight: 400;\">What are the best business loan alternatives in 2021?<\/span><\/h2>\n<p><a href=\"https:\/\/www.become.co\/blog\/how-to-start-a-business-in-2019-without-a-business-loan\/?s=chase\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Business credit cards<\/span><\/a><span style=\"font-weight: 400;\">, personal credit cards, and personal loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even with all the help in the world, some prospective business owners just can\u2019t seem to catch a break with obtaining the funding they need to get the ball rolling. If you can\u2019t figure out how to get funding for your business through a business loan of one sort or another, there are alternative options worth exploring.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While you may have some reservations with the idea of using a <\/span><a href=\"https:\/\/www.become.co\/blog\/should-you-finance-your-startup-business-with-credit-cards\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">credit card<\/span><\/a><span style=\"font-weight: 400;\"> to start your business, you\u2019d be surprised to learn that even some big-name entrepreneurs have done exactly that. One of the co-founders of Google, Sergey Brin, was quoted in an <\/span><a href=\"https:\/\/www.technologyreview.com\/s\/400833\/search-us-says-google\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">interview<\/span><\/a><span style=\"font-weight: 400;\"> as saying, \u201cWhen we decided to start a company&#8230;we spent about $15,000 on a terabyte of disks. We spread that across three credit cards.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are many credit card companies to pick from, each with many types of credit cards that they offer, and each credit card comes has different qualifications, interest rates, rewards, and so on.<\/span><\/p>\n<p><b>Advantages to using a credit card as an alternative to a business loan:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ease and convenience of getting financing<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rewards for using the card<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">0% interest for the first year (for many, if not most cards)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">No collateral<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Use as-needed<\/span><\/li>\n<\/ul>\n\n<p><span style=\"font-weight: 400;\">If you\u2019ve done all your research and you still feel that using a credit card is not how you want to get funding for your business, one more alternative to a business loan is to take out a personal loan. Of course, the obvious way to use a personal loan would be to make the purchases you would otherwise have made with the funds from a business loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The less-obvious way to use a personal loan is as a way to consolidate your existing debt, reduce the interest rate on that debt, and effectively help to improve your credit score. A better credit score means a better LendingScore\u2122, and better odds at getting approved for a business loan.<\/span><\/p>\n<p><br \/><br \/><\/p>\n<h2><span style=\"font-weight: 400;\">The long and short of it<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We\u2019ve said it before and we\u2019ll say it again: starting a business is not a walk in the park. It takes dedication to the vision, grit in the face of difficulties, and creativity in finding solutions. But nothing worthwhile ever came easy, and achieving the establishment of your business will be just the beginning of the journey. We\u2019ve now given you everything you need to know about small business lending trends for you to figure out how to get funding for a business. Don\u2019t get caught in the same pitfalls that have spelled doom for so many other small businesses. We encourage you to use this information to not only establish your business but to guarantee that it thrives for years to come.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Feel free to bookmark for future reference, share with a friend, and comment below if you have any feedback!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Developing a business from the ground-up is not a task for the thin-skinned or weak-hearted. Starting a company can be the first step towards financial freedom, but achieving lift-off comes with challenges and risks. One of the most fundamental hurdles that need to be cleared from the get-go is figuring out how to get funding. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4525,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13,79,1,12],"tags":[156,140,158,142],"class_list":["post-4512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aus-resources","category-business-guides","category-uncategorized","category-us-resources","tag-existing-loans","tag-funding","tag-non-sufficient-funds-nsf","tag-small-business-funding"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Get Funding for Your Small Business in 2021 - Business Funding Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.become.co\/blog\/how-to-get-funding-2021\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get Funding for Your Small Business in 2021 - Business Funding Blog\" \/>\n<meta property=\"og:description\" content=\"Developing a business from the ground-up is not a task for the thin-skinned or weak-hearted. 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