{"id":208836,"date":"2026-05-11T16:39:03","date_gmt":"2026-05-11T23:39:03","guid":{"rendered":"https:\/\/www.nationalfunding.com\/blog\/?p=208836"},"modified":"2026-04-28T16:45:22","modified_gmt":"2026-04-28T23:45:22","slug":"why-two-years-in-business-are-needed-for-loans","status":"publish","type":"post","link":"https:\/\/www.nationalfunding.com\/blog\/why-two-years-in-business-are-needed-for-loans\/","title":{"rendered":"Why Two+ Years in Business Are Needed for Loans\u00a0"},"content":{"rendered":"<p><span data-contrast=\"auto\">Most lenders will require a company to be in business for at least two years before they can get a small business loan as the lender wants to make sure the company will still be around when the loan comes to\u00a0term,\u00a0so the lender can\u00a0recoup their funds.\u00a0The risk with a company that\u00a0hasn\u2019t\u00a0reached two years is that there may not be enough history to evaluate their potential to survive as\u00a0<\/span><a href=\"https:\/\/www.bls.gov\/opub\/ted\/2024\/1-year-survival-rates-for-new-business-establishments-by-year-and-location.htm\"><span data-contrast=\"none\">20% of new businesses are likely to fail within the first year<\/span><\/a><span data-contrast=\"auto\">, and the number\u00a0rises to\u00a0roughly 30%\u00a0by year two.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Companies that have been in business for at least\u00a0two\u00a0years\u00a0show:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Enough data to display\u00a0cash flow\u00a0and fiscal responsibility over a period of time.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">How credit and debt are\u00a0managed.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">The ways a business\u00a0reaches\u00a0profitability.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Where the\u00a0business stands\u00a0now and it allows for a prediction over the next few years.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">A more\u00a0accurate\u00a0business credit score and debt to service coverage ratio.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">In addition to having more history to show how creditworthy the borrower is,\u00a0two\u00a0years in business allows the company to begin building assets that can be used as collateral.\u00a0But two years\u00a0is\u00a0not set in stone as each lender is different.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0,&quot;335559731&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Some lenders like us only require 6 months in business and\u00a0<\/span><a href=\"https:\/\/www.sba.gov\/partners\/lenders\/7a-loan-program\/terms-conditions-eligibility#eligibility-requirements\"><span data-contrast=\"none\">the SBA has no time in business requirements, only that you\u2019re operating in the USA<\/span><\/a><span data-contrast=\"auto\">, they allow the individual lenders to\u00a0determine\u00a0it.\u00a0\u00a0The\u00a0two\u00a0+ years in business model is a common threshold for what the market\u00a0determines\u00a0based on alternative or online lenders, as well as credit unions and traditional banks.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0,&quot;335559731&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you cannot get approved for a business loan because of the amount of time\u00a0you\u2019ve\u00a0been in business, your goal should be to build\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/what-being-creditworthy-means-how-to-improve-yours\/\"><span data-contrast=\"none\">your creditworthiness<\/span><\/a><span data-contrast=\"auto\">. This way you can offset the risk of a lack of history with assets and data to show that your business is a wise investment for the lender to loan money to.\u00a0Here\u2019s some more information about each of the bullet points above, and\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/bank-rejected-loan-application\/\"><span data-contrast=\"none\">alternatives to a business loan<\/span><\/a><span data-contrast=\"auto\">\u00a0if you cannot get approved.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"auto\">Financial History and Assets<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Having a couple of years in business allows time to file two sets of tax returns and displays how fiscally responsible the company is.\u00a0There will be\u00a0two\u00a0four\u00a0months of data showing incoming and outgoing cash\u00a0flow, how well accounts receivable\u00a0is\u00a0collected, and how revenue has increased and stabilized.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">When the lender has this level of\u00a0information,\u00a0they get a better picture of the cash available to make payments each month, quarter, or whatever the payment terms are so they can feel confident when providing a loan. On top of becoming stable financially, the business will\u00a0likely have\u00a0begun\u00a0accumulating\u00a0assets.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">Store displays, manufacturing equipment, even computers and office furniture can all be assets used for collateral once\u00a0they\u2019re\u00a0owned in full by the company.\u00a0\u00a0By using the assets to secure the loan, the business owner reduces the\u00a0lender\u2019s\u00a0risk and increases their chances of getting approved.\u00a0A new company\u00a0likely will\u00a0not have had enough time to\u00a0purchase\u00a0or\u00a0pay for\u00a0enough, but a company with at least two years\u00a0in\u00a0existence will have had enough time to start\u00a0acquiring\u00a0and owning assets.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"auto\">Your Profitability and Future Projections<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">With at least two years of financial\u00a0data\u00a0the business owner will be able to\u00a0more easily find operational deficiencies, growth trends, and create financial projections based\u00a0on market opportunities.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.nationalfunding.com\/blog\/how-to-write-a-business-plan-for-a-small-business\/\"><span data-contrast=\"none\">Business plans<\/span><\/a><span data-contrast=\"auto\">\u00a0that include growth opportunities and how the finances will be used are an important part of a new business getting approved for financing, and this level of data makes it easier for the business owner to be able to both say how the funding will be used and use data to show they are a company that can spend and invest it wisely.\u00a0 One example could be a\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/solutions\/working-capital-loans\/\"><span data-contrast=\"none\">working capital loan<\/span><\/a><span data-contrast=\"auto\">\u00a0when demand is\u00a0high\u00a0but output is stunted due to a lack of resources.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The\u00a0two\u00a0years\u00a0of data will show how adding a missing manager and select employees will allow for increased production to meet the higher demand needs.\u00a0\u00a0This same\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/solutions\/\"><span data-contrast=\"none\">type of small business loan<\/span><\/a><span data-contrast=\"auto\">\u00a0can also be used to\u00a0purchase\u00a0inventory or raw materials to produce more\u00a0goods, and\u00a0then create a forecast of future profitability with the ability to make loan payments.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Having two years of data lets a business owner know their demographics\u00a0better\u00a0so they can begin increasing their offerings if they have a retail store or expanding locations with a\u00a0brick-and-mortar. A clothing retailer may find out their customer base is women with\u00a0children, and\u00a0add in test products for kids like tiny hair ties if they sell hair accessories for women.\u00a0\u00a0A restaurant will know what types of foods work depending on who is dining in or getting\u00a0takeout\u00a0so they can begin advertising to similar groups of people within their region and grow their customer base.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">This is the type of information that the lender will want to see, and without having been in business long enough, it\u00a0won\u2019t\u00a0be as\u00a0accurate\u00a0or predictable.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"auto\">More Accurate Business Credit Scores and Debt Ratios<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><a href=\"https:\/\/blog.nationalfunding.com\/blog\/how-long-does-it-take-to-build-business-credit\/\"><span data-contrast=\"none\">Business credit scores take a while to build<\/span><\/a><span data-contrast=\"auto\">\u00a0and show accuracy as they track debts, payments, credit that is available to the company, and other information.\u00a0\u00a0Having two years of regular payments and\u00a0allowing\u00a0revolving credit limits to increase can show fiscal responsibility and increase the company\u2019s business credit score.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Having a more thorough idea of what the score is with two years of data lets the lender confirm their decision on companies that are good or bad to lend to.\u00a0\u00a0With two years of data the lender can see where they could have made a mistake like a company that starts out with extra debt because they had to buy equipment, but makes on time payments and is the \u201ccreditworthy\u201d and fiscally responsible type of company they want to loan too.\u00a0 Examples of what could be considered good after two years in business with 3 to 5\u00a0tradelines\u00a0being reported on are:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Dun &amp; Bradstreet PAYDEX (0\u2013100) at 80 and above.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Experian\u00a0Intelliscore\u00a0(0\u2013100) at 76 or higher.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Equifax Business Credit (0\u2013100) above 80.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">FICO SBSS (0\u2013300) for SBA loans and banks should be in the 160 &#8211;\u00a0two\u00a000 range.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">Aside from making\u00a0on-time\u00a0business credit\u00a0card, rent, and other monthly payments, see if suppliers will let you pay net 30, then report the\u00a0on-time\u00a0payments.\u00a0\u00a0After two years of working together and having a strong relationship, they might be open to it to help you out.\u00a0\u00a0The other thing to do is work on your\u00a0Debt to Service Coverage Ratio (DSCR).<\/span><\/p>\n<p><span data-contrast=\"auto\">Your DSCR is a number that shows a lender how likely you are to be able to cover payments plus interest.\u00a0 It is calculated by dividing your net operating income by your total debt service (principle\u00a0and interest) and generating a number.\u00a0\u00a01.0 means you\u00a0operate\u00a0a break even, above a 1.0 means you have extra cash and are more likely to make payments, and below a 1.0 puts your business in the higher risk category.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If your business credit score or DSCR ratios\u00a0aren\u2019t\u00a0in an ideal place\u00a0yet,\u00a0don\u2019t\u00a0worry, there\u00a0are other things you can do to make up for the lack of having\u00a0two\u00a0years\u00a0in business and lower numbers.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"auto\">What You Can do to Get Approved<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">To increase your chances of getting approved for business loans when you have less than\u00a0two\u00a0years\u00a0in business, try:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Having vendors and suppliers report on time payments including net 30\/60\/90 to the business credit bureaus.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Opening a business checking account or business line of credit with the lender to show\u00a0you\u2019re\u00a0looking for more of a commitment and relationship with them while building an immediate financial history.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Offering a larger amount of collateral or making a larger deposit down.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Making a stronger\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/an-easy-guide-to-personal-guarantees-and-business-loans\/\"><span data-contrast=\"none\">personal guarantee<\/span><\/a><span data-contrast=\"auto\">\u00a0on the business loan like an unlimited one or raising the limit on the limited version.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If none of these are\u00a0an option, newer businesses can sometimes\u00a0secure\u00a0funding from friends and family, look for investors,\u00a0try equity financing,\u00a0or explore credit-building options like a line of credit.\u00a0While a business credit card or line of credit may not offer the same amount of financing as a\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/small-business-loans\/\"><span data-contrast=\"none\">small business loan<\/span><\/a><span data-contrast=\"auto\">, on time payments can be reported to the business credit bureaus and help improve your business credit score to improve your chances of an approval.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Lenders will require a company be in business for roughly two years as a general consensus because it gives them enough financial history to make an informed decision on the borrower\u2019s risk level.\u00a0\u00a0If you don\u2019t have two years in business but do have strong cash flow or enough assets, some lenders will skip the two years qualification as you may be deemed creditworthy. Others, like us, will loan to companies that have only been in business for six months, so if that\u2019s you, <\/span><a href=\"https:\/\/www.nationalfunding.com\/application\/apply-now\/\"><span data-contrast=\"none\">click here<\/span><\/a><span data-contrast=\"auto\">\u00a0and let us know about your financing needs.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0,&quot;335559731&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"none\">National Funding does not provide tax,\u00a0legal\u00a0or accounting advice. This material has been prepared for informational purposes only. You should consult your own tax,\u00a0legal\u00a0and accounting advisors.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:195,&quot;335559739&quot;:195}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most lenders will require a company to be in business for at least two years before they can get a small business loan as the lender wants to make sure the company will still be around when the loan comes to\u00a0term,\u00a0so the lender can\u00a0recoup their funds.\u00a0The risk with a company that\u00a0hasn\u2019t\u00a0reached two years is that<a class=\"excerpt-read-more\" href=\"https:\/\/www.nationalfunding.com\/blog\/why-two-years-in-business-are-needed-for-loans\/\" title=\"ReadWhy Two+ Years in Business Are Needed for Loans\u00a0\">&#8230; Read more &raquo;<\/a><\/p>\n","protected":false},"author":38,"featured_media":208837,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-208836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans-lending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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