There are now A LOT of different ways you can get business loans, and most of them do not come from conventional banks.Conventional banks are great sources for low-rate and long-term SBA loans, but in most cases you can only qualify if you have good consistent cash flow and profits per your tax returns, good personal and business credit, and collateral of 20% or more of what you are borrowing.To get a business loan, first consider any positive lending strength you have. If you OR someone you know who many want to be part of your venture, has some type of collateral such as a 401k or stocks, equipment or inventory, account receivables or purchase orders, commercial real estate, or some type of other viable form of collateral, you can get approved for low-rate financing regardless of your personal credit quality or cash flow.If you do have consistent cash flow in your business of 8-10k monthly and 12 months in business or longer, you can get approved for cash-flow financing regardless of collateral or credit.If you do have good credit with scores of 700 or higher OR can find a guarantor who does, then you can usually get approved for 0% unsecured business financing up to 150k• even as a startup.If you have none of these than you have no true lendable strength and getting a business loan will be near impossible, for now. In this case business credit is your best option as you can immediately start getting credit for your EIN that’s not linked to your SSN.This is the only real type of financing you can get when you have no collateral, cash flow, or good credit. And by getting it you also become more lendable.With business credit you can start to get high-limit revolving vendor and store credit cards quickly. Shortly after you can start to get fleet and cash credit, and almost all of this is linked to your EIN and requires no credit check for approval.We welcome an opportunity to talk with you more about the exact financing you can get now, we work with all options mentioned above and many others. And we can help you with all aspects of obtaining business credit, including getting you a FREE copy of your business credit report. So we have solutions regardless of your credit, collateral, or cash flow.Here’s a guide we put together for 27 Killer Ways to Get Cash for Your Business http://www.creditsuite.com/27-ki... that outlines many ways you can get a business loan. And here you can grab a free guide that outlines the steps to start getting business credit here www.creditsuite.com/ein-credit-quoraI hope this helps!