If banks have seen that your business plan is promising and profit generating, the lender can grant you your loan request and they are likely to charge you with reasonable interest rate. From the banks perspective, your business loan application is just like any other application. The lender or bank will distinguish the borrower on the point of their history of repaying their loans or mortgages. One way of increasing your changes of getting approved for a commercial loan is to get in touch with small business administration that guarantees business loans. SBA played an important role in helping small businesses revive their credit history so they can get back to their feet.?
Source: http://www.danesdownunder.com/finance/get-approved-for-a-commercial-loan-now/
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