We break down how personal credit and cash flow drive small business lending and share the simple steps that boost approval odds. From DSCR to down payments and the role of guarantors, we show founders how to prepare documents, avoid common pitfalls, and choose smart starter products.

• why personal credit signals business reliability
• how pay history, limits, and account mix affect approval
• cleaning up collections and old delinquencies
• understanding DSCR and why 1.25 matters
• equity injection norms for equipment and vehicles
• the role of personal guarantors in business loans
• what documents to bring and why a plan helps
• when business credit bureaus matter and when they don’t
• using a business credit card to start under $5,000
• how to contact us for commercial lending support

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Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union.

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