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How to get a business loan: Everything you need to know

Getting a business loan can be intimidating. Here's what you need to know when locking in a loan for your growing business.

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Special report: The new SMB stack (free PDF)

This ebook, based on the latest ZDNet / TechRepublic special feature, helps small and medium-sized businesses build a technology stack that promotes innovation and enables growth.

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While small businesses face many challenges in today's economy, intrepid founders are still pursuing their dreams of ownership and growth. Even amid the chaos of 2020, thousands of new ventures found success out of the gate, especially online. 

Starting a business from scratch requires a mix of talent, smarts, and grit, but that's just part of the equation. Regardless of industry, all companies need capital to set the wheels in motion and get things off the ground. 

If you're like most ambitious entrepreneurs -- without tall mounds of cash on reserve -- you'll need a loan to establish your operations and start turning a profit ASAP. Luckily, in the modern era, you've got choices. There is a broad array of services and products available to you, complete with conditions, pros, cons, and considerations. 

We're here to walk you through the various types of business loans you might want to consider, and help you decide which ones are best suited for your needs based on your plan of attack. Let's begin.

Why would you need a business loan?

Business loans aren't just for the disadvantaged. No matter where your business is at in its life cycle, you might need a loan to take things to the next level, expand your operations to new territory, grow your staff, or just navigate through some roc

What types of business loans are available?


If you've got a clear idea of what your business needs to move forward from a financial standpoint, we're here to help you make the right call.&nb

What do you need to get started?


If you know which loan matches your needs, it's time to get to work. Be sure to read the fine print from top to bottom, no matter how much assurance, experience, and confidence you might have in your business. 

When in doubt, be over-prepare

Which is the right loan for your business?


We've mapped out the main points you need to know when finding and applying for business financing, but we'll include some other miscellaneous wisdom and reminders here:

Know your exact needs

Just like with consumer credit cards, it's

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