{"id":8465,"date":"2025-03-31T07:49:00","date_gmt":"2025-03-31T14:49:00","guid":{"rendered":"https:\/\/www.nationalfunding.com\/?p=8465"},"modified":"2025-05-28T14:20:46","modified_gmt":"2025-05-28T21:20:46","slug":"the-6-cs-of-applying-for-a-business-loan","status":"publish","type":"post","link":"https:\/\/www.nationalfunding.com\/blog\/the-6-cs-of-applying-for-a-business-loan\/","title":{"rendered":"The 6 &#8220;C&#8221;s Of Applying For A Small Business Loan"},"content":{"rendered":"<p><span data-contrast=\"none\">Lenders use the six \u201cC\u201ds of credit to understand your company\u2019s full story and determine your ability to repay a <\/span><a href=\"https:\/\/www.nationalfunding.com\/small-business-loans\/\"><span data-contrast=\"none\">small business loan<\/span><\/a><span data-contrast=\"none\"> as each one is a confidence builder and shows your ability to make payments each month and provide collateral so the lender can recoup their losses if you default. Choosing the right borrowers is one of the most important decisions for banks and <\/span><a href=\"https:\/\/www.nationalfunding.com\/solutions\/alternative-lending\/\"><span data-contrast=\"none\">alternative lenders<\/span><\/a><span data-contrast=\"none\"> because they make their money from interest paid on loans.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The six \u201cC\u201ds of credit gives lenders confidence that you have the background and knowledge to invest the loan wisely and can repay it in full. By knowing what lenders look for across these 6 \u201cC\u201ds you can make your business loan application stand out and increase your chances of approval.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The 6 &#8220;C&#8221;s of credit that lenders use for giving a business loan are:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Character<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Capacity<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Capital<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"none\">Collateral<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"none\">Conditions<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"none\">Credit score<\/span><\/li>\n<\/ul>\n<h2>1. Character<\/h2>\n<p><span data-contrast=\"none\">Character shows lenders the background context of a business, similar to how a resume works for job interviews. Qualities like educational history, business background, and industry expertise show your depth of knowledge about the industry you\u2019re in and how to run a business. Business acumen and experience give the lender confidence that you can adapt to changing business environments and continue to make payments throughout the life of the loan.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">On top of character, the total years your company has been in business, customer continuity and turnover, and how long you\u2019ve lived at or operated out of your current address will also factor into the lender\u2019s decision by showing them the stability of your business.<\/span><\/p>\n<h2>2. Capacity<\/h2>\n<p><span data-contrast=\"none\">Financial capacity shows lenders you have the cash flow and balance sheet to repay a loan, by demonstrating your history of debt repayments as well as the current debt you might be carrying. Lenders will look at 3 years or more of income statements, balance sheets, and cash flow statements to assess the financial health of the business.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Stable or growing <\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/business-bottom-line\/\"><span data-contrast=\"none\">top and bottom line<\/span><\/a><span data-contrast=\"none\"> numbers for the past few years show them the business can continue to operate smoothly, and healthy <\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/debt-ratios-and-why-they-matter-to-small-businesses\/\"><span data-contrast=\"none\">debt ratios<\/span><\/a><span data-contrast=\"none\"> prove you can handle new debt without risking bankruptcy.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Bonus-tip: Traditional lenders may not approve a small business loan for a brand-new business. Because you\u2019re not producing revenue, you can\u2019t show capacity to repay. If this happens, try an alternative lender or use <\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/choose-between-debt-and-equity-financing\/\"><span data-contrast=\"none\">equity financing over debt<\/span><\/a><span data-contrast=\"none\">.\u00a0<\/span><\/p>\n<h2>3. Capital<\/h2>\n<p><span data-contrast=\"none\">The third item lenders want to see is that you have capital for a deposit. This is both because it allows them to share their risk with you and because they must follow<\/span><a href=\"https:\/\/www.federalreserve.gov\/supervisionreg\/basel\/basel-default.htm\"><span data-contrast=\"none\"> regulations like the Basel framework<\/span><\/a><span data-contrast=\"none\">, which aims to keep the banking system safe and stable.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Deposits for loans are common practice across lenders, but the exact deposit required varies based on each lender\u2019s internal guidelines and other loans they have made. Don\u2019t be afraid to shop around since one lender might require a 20% deposit and another might only require 15% for the same loan.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">If you don\u2019t have capital for a deposit right now, try to free up cash with tax strategies like a<\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/a-guide-to-the-section-179-deduction-and-its-changes\/\"><span data-contrast=\"none\"> Section 179 deduction<\/span><\/a><span data-contrast=\"none\"> together with bonus depreciation. Another option is to get documents from the lender on their policy and use them to apply for an SBA loan, since <\/span><a href=\"https:\/\/www.sba.gov\/partners\/lenders\/7a-loan-program\/terms-conditions-eligibility\"><span data-contrast=\"none\">the SBA requires<\/span><\/a><span data-contrast=\"none\"> that you cannot find\/qualify for financing elsewhere. SBA loans still require deposits, but they may be lower because it&#8217;s a government-backed program (i.e., the lender is already mitigating some risk).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Bonus-tip: You can use personal capital when needed by getting a home equity line of credit (HELOC), borrowing from your 401(K), doing a cash-out refinancing, or getting a personal loan to fund the deposit.\u00a0<\/span><\/p>\n<h2>4. Collateral<\/h2>\n<p><span data-contrast=\"none\">Collateral is another way lenders manage their risk because, if you default, they can claim the collateral, sell it, and use the proceeds to recoup any losses from the loan. Loans like <\/span><a href=\"https:\/\/www.nationalfunding.com\/equipment-leasing\/\"><span data-contrast=\"none\">equipment financing<\/span><\/a><span data-contrast=\"none\"> and <\/span><a href=\"https:\/\/www.nationalfunding.com\/small-business-loans\/inventory-financing-loans\/\"><span data-contrast=\"none\">inventory financing<\/span><\/a><span data-contrast=\"none\"> have collateral built in because you\u2019re using the loan to buy an asset. For other loans, you can put up a guaranteed asset such as:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Real estate.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Land.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Business property like vehicles, machinery, or electronics.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"none\">Financial assets like stocks and bonds.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"none\">Business assets like accounts receivable or invoices.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:220,&quot;335559739&quot;:220}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Including information on the resale value of collateral and data for market demand trends in your application will build the lender\u2019s confidence that they can recoup their losses if you default. It will also make your company stand out as a more professional organization that is on top of their finances and understands business from the lender\u2019s perspective.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Bonus-tip: If the lender does a <\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/what-is-a-ucc-filing-how-does-affect-credit-score\/\"><span data-contrast=\"none\">UCC filing<\/span><\/a><span data-contrast=\"none\"> with your assets, make sure they specify which assets by using VIN numbers, addresses, and other identifiers. That way, they can only claim those specific assets vs. taking additional items, which is possible if the UCC filing uses a more general term like \u201cequipment\u201d or \u201cvehicles.\u201d<\/span><\/p>\n<h2>5. Conditions<\/h2>\n<p><span data-contrast=\"none\">Conditions are your plans for using the money, which give more context for the other \u201cC\u201ds along with external factors like the market you\u2019re in and potential demand. The future conditions can make past data less relevant, which is why lenders use the past and the future conditions when making a decision. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">If the loan is a capital injection to keep the company afloat, lenders will scrutinize capacity and potentially increase their requirements for terms like the <\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/how-debt-service-coverage-ratios-apply-to-loans\/\"><span data-contrast=\"none\">debt service coverage ratio<\/span><\/a><span data-contrast=\"none\"> to manage future risk.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Meanwhile, investments to expand current operations will make them look more closely at \u201cC\u201ds like capital to verify you have skin-in-the-game motivation going forward and character to ensure you have the background to successfully manage a larger or more complex organization. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">External factors like local or national economic trends might make loans to your industry more or less appealing for the lender, depending on potential audience growth or stagnation. Demographic shifts can alter the makeup of future potential customers, like selling children\u2019s products but population growth is expected to stall. And other loans they\u2019ve issued can make loaning you money risky even with a great application if they have too many loans in your industry.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">While you can\u2019t change what other loans they\u2019ve issued, preparing a detailed business plan that shows how your business benefits from economic trends and policy changes, and why your business is unique from others, may boost the lender\u2019s confidence and positive perception of your business.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Bonus-tip: Include a <\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/break-even-analysis\/\"><span data-contrast=\"none\">break-even analysis<\/span><\/a><span data-contrast=\"none\"> to demonstrate how quickly your business will turn a profit after the new investment.\u00a0<\/span><\/p>\n<h2>6. Credit score<\/h2>\n<p><span data-contrast=\"none\">Business credit scores give lenders a third-party evaluation of your current debts and how often they\u2019re being paid, so the lender can evaluate the risk of giving you a business loan compared with the other \u201cC\u201ds of credit. Lenders have different thresholds for scores they\u2019ll lend to, so talk with them about their requirements before applying, since loan applications can cause a short-term hit to your score.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">It doesn\u2019t hurt to check your score with major business credit rating bureaus like <\/span><a href=\"https:\/\/www.dnb.com\/en-us\/products\/dnb-credit-insights.html\"><span data-contrast=\"none\">Dun &amp; Bradstreet<\/span><\/a><span data-contrast=\"none\">, <\/span><a href=\"https:\/\/www.equifax.com\/business\/product\/business-credit-reports-small-business\/\"><span data-contrast=\"none\">Equifax<\/span><\/a><span data-contrast=\"none\">, or <\/span><a href=\"https:\/\/smallbusiness.experian.com\/\"><span data-contrast=\"none\">Experian<\/span><\/a><span data-contrast=\"none\">, so you can correct any mistakes before you apply for a small business loan. By getting an updated report before engaging with lenders, you are prepared to explain any red flags they might see in advance. Plus, doing this gives lenders another professionalism green flag, just like being prepared with collateral resale value and data on conditions.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Using the 6 \u201cC\u201ds of credit as a guide to prepare your business loan application helps you meet the needs of the lender, which may increase your chances of getting approved for a small business loan. The 6 \u201cC\u201ds of credit show why you are a strong business leader and that your company will be able to make payments on time, reducing your risk as a borrower.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.nationalfunding.com\/application\/apply-now\/?utm_source=email&amp;utm_medium=email&amp;utm_term=loans&amp;utm_content=b_eop&amp;utm_campaign=blog_lg\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-66034\" src=\"https:\/\/wp.natfundcdn.com\/uploads\/2015\/01\/16111509\/NF-footer-CTA-1-min.jpg\" alt=\"National Funding financing for small businesses\" width=\"720\" height=\"258\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Using the six &#8220;C&#8217;s&#8221; of credit analysis as a guide for when they apply for a loan, small-business owners can greatly increase their chances of finding success.<\/p>\n","protected":false},"author":40,"featured_media":192920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[64,14],"class_list":["post-8465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans-lending","tag-credit-score","tag-small-business-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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