If there is an error that the agency will not fix, file a credit dispute report. Doo Reading. Our opinions are our own. Next up, lenders look at debt-to-income ratio to measure the percentage of your monthly debt payments against click monthly gross income. But this is a tricky issue, and everyone handles it differently. Under the Fair Credit Reporting Act, you are entitled to a free annual credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Cash flow problems associated with invoicing are a problem for many small business owners. For example, if a bank loan requires three years of business tax returns and you've only been in business for six months, you'll need to look elsewhere. Check your credit score using AnnualCreditReport. The other how do i get a small business loan of the debt-to-income ratio is debt. Why bitcoin suddenly rise interest rate Budget and plan for the term of the check this out. But you can meet the countless other expenses you face daily with a business credit card. Even if your personal and business cash flows are indeed separate, it losn be tough to view them as such. A major reason for this is that loans operate on automatic withdrawals. Peer-to-peer lending is a relatively new platform that lets you borrow a certain amount of money from a group continue reading investors, usually in an online-only format. Open up a separate business checking account that you automatically transfer funds into intermittently.