Forbes.com:
There’s an old saw about bankers: They’ll give you an umbrella - but they’ll take it back when it rains.
Sure, banks can be notoriously cautious when granting small-business loans. But don’t despair. Follow these simple (yet surprisingly ignored) rules and you just might loosen up those purse strings:
* Get to know your banker before you need the money;
* Start borrowing small amounts to build good credit;
* Remember that banks prefer cash flow to collateral;
* Don’t try to borrow to finance a new business;
* Put together a nice loan package;
* Don’t get discouraged. Raising money can be very demoralizing - you will take your lumps. But the process can also reinforce your commitment. The next time a lending officer turns you down, just channel Winston Churchill: ‘Never, never, never, never give up.’
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