Apply for the Loan and Share Your Small Business Finance Experience
申请贷款,分享你的小公司的财务经验

You have a good idea and a lot of enthusiasm for a new business but you need money, probably in the form of a business loan. How do you get a business loan for a startup business? A bank loan for a new business or to buy an existing business is the hardest type to get. The bank has no business history to look at in order to evaluate your ability to repay the loan. It has no personal history about you to determine your ability or willingness to repay. Follow these steps to improve your chances of being approved for a startup loan.
你有好的想法,并且对创建自己的小公司有很大的热情,但是,你需要创业资金,也许是贷款。你怎样才可以得到创业贷款呢?为新企业创立或购买现有企业贷款的银行很难找到。因为银行没有任何关于你的商业贷款还款能力的历史依据可参考,也没有关于你个人是否有还款能力或还款意愿的私人记录可参考。参考以下步骤,可增大你获得银行给予创业贷款的机会。

1.Prepare an In Depth Analysis of the Market
准备好一份深入市场调查的分析报告

You must show the bank that you understand the market and industry in which you are about to enter. As part of the business plan that you present to the bank, you should include a detailed analysis of the market, the customer base, and the broader industry. Include a statement of how much market share you think your business can capture and how that translates into dollars. Based on similar companies in the industry, develop income, expense, and cash flow projections for the business. This will help convince the bank that your firm will generate the cash flow necessary to repay the business loan.
你要向银行证明,对于你即将进军的市场和行业非常了解。在你呈给银行的创业计划中,要包括你对市场,客户数据以及整个行业的详细的分析报告。还要包括你对自己的生意能获取多少市场份额的预测,以及这些市场份额换算成美元是多少。根据同一行业中其他背景类似的公司,统计你公司的收入,开销,做现金流量预测。这样做可以使银行信服,你的公司会赚取一定的现金来偿还商业贷款。

2.Account for Where the Business Loan is Going
注明商业贷款的真实用途

Many new business owners greatly over-estimate the amount of money they need. When you are developing your business plan, make your estimates as exact as possible and justify how much you need for each purchase. If you apply for a loan and do not justify how you are going to spend the money, you will be rejected. On the other hand, if you account for every penny in your business plan, you are far more likely to have a successful application. You should even prioritize your need for funds. For example, if you are applying for a $50,000 loan and $25,000 is for equipment, show that in your business plan. State the type and purpose of the equipment you are going to buy. Go ahead and account for the remaining $25,000.
很多创业者都高估了自己需要的创业资金数量。在你做创业计划的时候,尽量估算精确,并将估算精确到每一笔款项的用途。如果你申请贷款而不表明你要如何消费这些款项,银行会拒绝你的贷款申请。另外,如果你将每一笔款项的用途都写清楚,你成功申请贷款的可能性也会高很多。你还应该将你申请款项的用途区分出优先顺序。例如,如果你申请50,000美元的贷款,其中有25,000美元是用来购买设备,你应该在创业计划中如实注明。写清楚打算购买的设备的类型及其用途。然后再继续申请剩下的25,000美元。

3.Share your Business Experience with the Bank
向银行陈述你的创业经验

If you or any of your management team have experience in the industry, share your experience with the bank in your business plan. The more experience you or other principals have, the better, particularly in the same industry. If you have experience in the industry, the bank will have more confidence that you know what you are getting into and how to handle the financial challenges of the business, including repayment of the loan. If you have a colleague that is going to participate in the business that has experience in the industry, that will be helpful with the bank as well. If you don't have experience in the industry, but you do have management or ownership experience, be sure and include the details in your business plan.
如果你或者你管理的团队中任何人在此行业有经验,在呈交给银行的创业报告中写明这点。你和你的同伴的经验,尤其是在同一行业的经验越多越好。如果你在该行业有经验的话,银行就会对你更有信心,他们会更加相信你了解自己创业的行业情况,以及你知道如何去处理在创业中遇到的财政问题,也就会对你能够还款更有信心了。如果你有一个合伙人在该行业有经验的话,对银行来说也是一样有帮助的。如果你在该行业没有任何经验,但是你却有管理和创业的经验,也要在你的创业计划中注明。

4.Pledge your Personal Wealth
将你的个人财产作为抵押

If you are applying for a business loan for a startup business, the only way you will be approved by the bank is if you pledge your personal wealth as collateral. If you are a homeowner, you can use your home as collateral and perhaps take out a home equity loan. You can use other personal assets as collateral as well. Lenders will also expect you to make a financial commitment to the business. They will expect to see you inject cash into your new business. If you show confidence in your new business by investing in it yourself, you will have a better chance of getting approved for a business loan.
如果你申请创业贷款的话,获得批准的唯一方法就是将你自己的私人财产作为抵押。如果你有房的话,你可以将房屋抵押或得到房产抵押贷款。你也可以用其他私人资产作为贷款抵押。贷方也会期望你在事业上赚到钱。同样,他们也期望你投入资金到你的生意中。如果你通过将自己的财产投入到创业中来表明你对新事业的信心的话,你得到银行贷款的机会就更大。